davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service (FL)

Military Star Card contacted my military command via paper mail directly to my Commanding Officer, which caused disciplinary problems for me. According to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. XXXX XXXX, a Customer Response Technician responded by saying " Hello XXXX XXXX, Thank you for contacting the Exchange Credit Program. To address your concerns, on XX/XX/2023 you were mailed a letter referencing the past due status of your MILITARY STAR account. Please review the attached document. If your account is past due 3 or more payments, this reflects a delinquent status. Therefore, a system generated letter will automatically be sent to your Unit Commander ''. This is a clear violation of 15 U.S. Code 1692c ( a ) ( c )
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX ....
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I have been attempting to get my report for way over a month, I've called I've written emails and the company is throwing up every roadblock there is. When attempting to pull my report, I get asked questions on accounts I never opened that aren't on any of the other credit reporting sites. I know that Equifax got hacked, and I believe that there is incorrect information on my report and that they are covering it up. The other possibility in they're incompetent, in that case they should not be allowed to operate a credit reporting agency.
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (TN)

I am filing this complaint becasue Diversified Consultant Inc is attempting to collect a deby they are not legally able to collect and have reported it illegally to my credit report. I sent this company a letter asking for VALIDATION or PROOF that I ever signed a binding contract with them, but they responded with a letter stating that they validated the account with XXXX. Legally, my contract would be with XXXX and not Diversified Consulatnats Inc, and per FCRA, they are obligated to remove their negative account from my credit report. I will be sending a second letter fiving them another chance to properly validate this account with me and not with their third party client.
Consumer complaint received 2018-07-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (AL)

I enrolled then 2 weeks in I decided to drop the classes I was taking and withdraw. I was told by XXXX University that since I didn't complete the course I was under no obligation to repay the loan. I also was lead to believe I was getting a federal grant that I would not have to repay. I stressed this to the financial aid office due to me being on XXXX and knowing I wouldn't be able to pay back any type of loan. I was told I wouldn't have to.
Consumer complaint received 2018-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

THERE IS A {$1500.00} DEBT SHOWING ON MY CREDIT REPORT FROM XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History I HAVE HAD THIS PROBLEM WITH THIS COMPANY BEFORE TRYING TO COLLECT ON A BANCKRUPCY OF OVER 20 YEARS. I HAVE NOT RECIEVED ANY NOTIFICATION IN WRITTING OF THIS DEBT THAT I DO NOT KNOW WHAT IT IS FOR. WHEN I CALL THEY INSULT ME SAY STOP TRYING TO GET OUT OF YOUR DEBT YOU OWE AND YOUR GOING TO PAY NO MATTER WHAT. THEY SAY IT IS FOR A MEDICAL BILL BUT THEY ARE NOT TELLING ME FROM WHERE. I HAVE MEDICAL INSURANCE SO THERE IS NOT A BALANCE OR DEBT. AND IF THIS IS FOR A XXXX DOCTOR THAT I CANCELED MY APOINTMENT DUE THAT MY MOTHER WAS ILL THEN THIS IS WRONG AND THE DOCTOR 'S OFFICE ARE REALLY UNPROFESSIONAL AND THE VISIT WOULD HAVE BEEN {$60.00} BUT I CANCELLED MY APOINTMENT AND IF IT IS FOR AN XXXX, THE DAY I HAD TO GET AN XXXX THE MACHINE WAS BROKEN. THAT WOULD BE THE ONLY MEDICAL SITUATION I CAN THINK OF. I RECIEVED A BILL FROM THE DOCTOR, I CALLED AND THEY TOLD ME IT WAS A MISTAKE AND THAT I OWE NOTHING.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Today XX/XX/18, I called Nissan Motor Acceptance Corporation to discuss my account and asked if it had reported on my credit report as late. The representative rudley said yes, uhhhh your 32 days late. He then asked why I was late but shocked by his rude response it took me a minute to get myself together and respond. I asked if I could make a payment over the phone to bring it up to date and he explained all the fees. Since I felt he was rude i hung up as i could not finish the conversation. I then called back and talked to XXXX who i explained the situation to and he left me on hold for over 20 minutes. I then called back a third time and spoke to XXXX who explained that i can call XXXX  and tell them to tell Nissan to remove it. I asked him that if Nissan is the reporting agency, XXXX  will tell me to call Nissan so why would I even call them? He then transffered the call to the supervior ( i didnt get his name ) who explained they couldnt remove it and doesnt even know if it has been reported or not since their department doesnt do the credit reporting. I asked if you dont know, why did the first reperesentative tell me that it did? He was not apologetic at all and then when I said it wasnt right for the rep to give me false information, he said it wasnt false which contradicted what he just explained by stating they dont know what is reported as a collection agency. He then was talking over me as i was speaking and the phone call eneded when i told him that it was XXXX. I understand that I was late but the way all of the reps went about it was rude and unprofessional and I will do everything in my power to not do buisness with them ever again and to get my current loan out of their name.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Debt was initially legitimate. Debt was paid in XX/XX/2014 to law firm collecting on behalf of debtor, XXXX XXXX XXXX. I don't know what XXXX XXXX XXXX did with the money, or was it misapplied, but now 4 years later I am being repeatedly contacted by XXXX XXXX  XXXX, law firm, for same debt. I have disputed, and Capital One simply sends me evidence of original debt. I had 2 judgments, both were paid in one lump sum to XXXX XXXX XXXX for the benefit of 2 Capital One accounts. My money was processed by conversation with XXXX XXXX of XXXX XXXX XXXX in XX/XX/2014, at XXXX, to cover both accounts in full. I appreciate your assistance in getting to the bottom of this.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has come to my attention, that XXXX XXXX, has transfer an account to XXXX XXXX XXXX immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$910.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (TX)

I opened a propser credit card but I am not able to log into the account. I have called them emailed and advised them I can not get into the account. I could not see the statement nothing. They finally sent me a paper statement on email two weeks after I should have received it. It has been almost a month and I am still unable to log into the account. I can't see the purchase I can't even make a payment. They are not trying to fix the problem. I get generic emails from them when they do email. When I call I am told to wait on the email. They NEVER reach out to me. I also have to contact them.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that cred it reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
Bankruptcy XXXX XXXX - Discharged : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX  : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX  XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (NC)

I was charged an overdraft fee of {$20.00}. My account was never negative. When I made the transfer to my XXXX account on Navy Federal transfer screen at XXXX XXXX EST  said I had {$160.00} and a couple hours after the transfer of {$160.00} it said I had {$7.00}. I was in the positive the whole time on my end until Navy Federal charged me an overdraft fee of {$20.00} which then made my account negative. Later on Navy Federal charged me a fee and thats when my account became negative {$12.00}. If I didnt have the funds available the system on my Navy Federal app on the transfer screen should not have said {$160.00} in black bold numbers at XXXX XXXX right after I made the deposit in the ATM so I went ahead and transferred which left me with {$7.00} positive balance. I should not be charged a fee if what I saw on my end that funds was available even to transfer. The agents that I spoke to and explained all this to them were extremely rude and made me very upset. They did not help me at all they just made things worst. Thank you for your time.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Someone has my social security number and tried to open bank accounts and credit cards with my number, Ive managed to put a security freeze on tbe accounts, Ive contacted the capital one company and told them I never had gotten the card or applied, customer service was very rude and upsetting.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX