davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

My son attended XXXX XXXX and XXXX  in XX/XX/XXXX. As a parent, I assisted with his student loans debt. This college is no longer in operation. My understanding is as early as XXXX, XXXX XXXX was under investigation and violation of their fact sheet and ethical principles and practicesas noted in the XXXX student report ( XXXX ) for reference. Lawsuits were filed against XXXX XXXX which is noted in the report mentioned above. In the meantime, students and parents such as myself have continued to pay on the student loans. My student loan is with AES loan # XXXX XXXX XXXX. My monthly payment is {$270.00}. I am looking to have this entire loan removed.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (MA)

I was alerted by my credit card with XXXX XXXX  that my credit score dropped XXXX XXXX. When I checked to see why, I noticed that XXXX different banks conducted credit checks on me, none of which I requested. They were all conducted on XX/XX/XXXX. I tried to contact XXXX XXXXXXXX XXXX several times and was told by an automated recording that " due to extenuating circumstances we are unable to help you right now. '' I spoke to someone at XXXX  XXXX and they were unable to help me because I don't have an account with them ( that is part of the problem, why are they running a credit check on me if I don't have an account with them ). At that point I stopped trying to call banks because none of them would help me. I froze my credit on all three credit bureaus and asked for a fraud alert to be put on my account for a year. I need these fraudulent inquiries removed from my report so my credit score can go back up. I used to have excellent credit. 

To summarize, on XX/XX/XXXX, the following banks conducted unauthorized credit checks that were not requested by me : XXXX. " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They all have a removal date of XX/XX/XXXX. 

Lastly, my personal information was compromised in a data breach from my employer this past spring. Yesterday I received a letter from XXXX XXXX  ( a company with which I have a credit card ) stating that they declined an application from me because they are concerned that someone is using my information fraudulently.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/year> I applied for a credit card and was denied regardless of the reason for being denied. I have the right to credit, withholding my access to my securities is securities fraud, discrimination, violating the ECOA and consumer credit protection act. 

I have no intentions to gift nor abandon my original issue in our consumer transactions/trade. 

They are using the ECOA for the FRCA to deny me credits.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These are not my accounts. I have no knowledge of these accounts. 15 USC 1681b. 
Please DELETE the following accounts from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian refuses to remove a collection account from XXXX, XXXX, and XXXX. They also are miscalculating my XXXX XXXX which is hurting my credit. Please assist me in rectifying this important matter.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT. 

ACCORDING TO 15 U.S.C 1692c ; YOU HAVE VIOLATED MY RIGHT BY IN LAWFUL COMMUNICATIONS. PLEASE REMOVE THIS COLLECTION ACCOUNT FROM MY CREDI REPORT. 


ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX XXXX, XXXX STATUS UPDATE : XX/XX/XXXX BALANCE : {$200.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX STATUS UPDATE : XX/XX/XXXX BALANCE : {$4900.00}
Consumer complaint received 2024-09-26
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. (MO)

I am in disagreement with the item listed below which still appear on my credit report, even after your investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number XXXX Furthermore, in accordance with the fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my refilling of my complaint to TRANSUNION was the after effect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I recently discovered that my personal information was compromised due to a security breach within the systems of the three major credit bureaus ( XXXX XXXX, Equifax, XXXX ). This breach allowed unauthorized parties to access and misuse my personal data, which has led to inaccuracies on my credit report. These inaccuracies are directly impacting my financial reputation, and I am requesting immediate action to correct the errors resulting from this incident.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am submitting a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which restricts when and how companies can access my credit report. Below are the details of each unauthorized inquiry, including the company name, date of the inquiry, and actions taken so far. 

Company Name : CAPITAL ONE BANK USA Date of Inquiry : XX/XX/XXXX Description of the Unauthorized Inquiry : On XX/XX/XXXX, I discovered that Capital One Bank USA conducted a credit inquiry on my report without my authorization. Under FCRA, 15 U.S.C. 1681b ( a ), a company must have a permissible purpose to access my credit report. I did not apply for credit or give permission for this company to perform a credit check. This unauthorized inquiry has caused damage to my credit score and personal financial reputation.

I have contacted CAPITAL ONE BANK on 8/5/24 to request the removal of the unauthorized inquiry, but as of today, I have not received any resolution. The company 's actions ( or inaction ) are negatively affecting my creditworthiness and are in direct violation of federal laws governing credit inquiries.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-11
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. (GA)

I put the company on notice and advised under U.S. Code 1681e TransUnion has illegally blocked all access to me pulling my credit report online. I called and wrote into the credit agency and they refuse to respond and or honor my request to lift the internal block.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX  XXXX - I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease and Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. thank you
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 84
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MA)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX and the following inquirires as well CXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is not an acknowledgement or admission of debt owed. 

This is a report that Portfolio Recovery Associates continues to report XXXX accounts as collection accounts that have passed the statute of limitations for reporting of negative information, as defined in 1006.26 Collection of time-barred debts.. Attempts to resolve this matter directly have been unsuccessful. 

Namely, the accounts XXXX is reporting are as follows : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, opened XX/XX/year> reported to XXXX, XXXX and XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX and XXXX ; XXXX XXXX XXXX a result, I have suffered damage to my credit and lack of access to affordable credit options, or access at all.
Consumer complaint received 2024-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Dave Operating, LLC (GA)

I have been waiting on a response from this company about a dispute I submitted back in XXXX. I have requested updates and the only thing I have been told is what is documented in the uploaded document which means wait longer. Its gong on XXXX. ********* After reading many XXXX reviews, I saw a trend in which Dave will finalize the dispute but close your account so you can't access the funds due to you, and I want to make sure this does not happen to me. I have not been sent an new debit card as one would be sent when your account has been compromised, so I don't feel as if they are going to do right by me. ************ I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as the XXXX XXXX XXXX XXXX XXXX  and I sent the documentation over to them along with my identification card. *********** XXXX XXXX XXXX ( XXXX : XXXX ) is a leading XXXXXXXX XXXX and XXXXXXXX XXXX serving millions of everyday Americans. XXXX uses disruptive technologies to provide best-in-class banking services at a fraction of the price of incumbents. XXXX partners with XXXX XXXX XXXX XXXXXXXX, a XXXX  member. For more information about the company, visit : XXXX For investor information and updates, visit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX  XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX