davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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. 
Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights. 

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 2023-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (KY)

I applied for a loan, and I was approved by Upstart. I was told to confirm my banking account information by using a system that Upstart uses called XXXX. I logged into my banking account and Upstart notified me that my account had been approved. I was told that my loan money in the amount of {$5000.00} with a XXXX loan fee would be dispersed to my account within 1-3 business days. The disbursement date according to my portal on Upstart was XX/XX/2023. 
I never received the funds. I contacted Upstart and they told me they released the funds. However, it for some reason went to the wrong account. I was told an investigation would be conducted. I have NEVER received any feedback about the process or what's going on. It's now XX/XX/XXXX, and I have not received a dime. However, the loan is listed on my credit report. The portal shows active payments coming due for this loan... 
I have called and emailed several times with no assistance.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There are actually several problems. I have inaccurate personal data showing up on my report as well as a collection that I have asked to be removed, even having provided a letter from the creditor asking for the collection to be removed and it is still there, and several inquiries that were fraudulently placed without my asking. I have provided the documentation several times but the information never gets corrected.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a Simply checking account with Capital One, and I disputed transactions that a company I have never used, The bank credited my account back with the dollar amount, and a few days later my account was in a negative status. I spoke with an agent at the bank and I was told the funds were taken back because the company showed proof that I authorized the transaction. I was never notified of the reverse, nor was I asked for any documents or proof that I have never used the company 's establishment. A week later my account was closed, Spoke with the agent asking how can we resolve this issue. I was told we can't and I do not owe anything. I went to XXXX XXXX to open a bank account, and I was declined, reason because I have a negative red flag on me because of the closed account with the bank mentioned above.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2023 I received a copy of my credit report from XXXX, XXXX and Experian. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, XXXX and Experian on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. Experian received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and Experian showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, XXXX and Experian on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Complaint ID is XXXX. Experian Responded on XX/XX/2023. XXXX Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and Account Name : XXXX Fin Fka Sc Telco Account Number : XXXX, everything is wrong! This one really takes the cake you guys. Please don't make me dispute this again. Look at it. You know you are wrong and it is really insulting to tell me that it is accurate. Give me a break. First the same account is being reported as XXXX completely different accounts. XXXX, you barely have no information at all. Experian, you have some more information, but its all completely different than what XXXX has. If you do nothing to resolve this, I'm going to know that your dispute investigations are bogus and I'm getting a lawyer because this is ridiculous. LOOK AT IT AND TELL ME IT '' S NOT INACCURATE!
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have created over 5 disputes with Experian, everytime I get the results back they can never give me information on the dispute. XXXX is showing the account as closed, but when I reach out to Experian they tell me I have to submit a dispute and they never close the account to match XXXX.
Consumer complaint received 2023-05-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This is being filed as the company failed to adequately respond to the XXXX complaint regarding medical debt. 
The company is outside the law when it comes to reporting medical debt. They are not allowed to report medical debt until it is at least 365 days past due The provider of the loan is irrelevant as to the definition of medical debt The legal definition of medical debt is debt that arose from the receipt of medical services, products or devices. See attachments Debt that arose from the receipt of medical services can not be reported until its at least 365 days past due. 
After a life-threatening illness I was forced to have medical debt/ debt that arose from the receipt of medical services
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, 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. (SC)

I have a freeze on all my credit reports Equifax which Ive tried to get help with for months has giving me a hard time. They are reporting 5 inquiries on my report. Which I did not do business with the other companies which is unauthorized unrecognized fraudulent. Which I only ran credit with XXXX XXXX. Also Equifax. Id report my credit usage incorrect every month its XX/XX/2023 & they claim that they havent received any update from the credit card company which the card company reports every XXXX of the month & my other 2 reports got the updated which is reporting had 100 % credit usuage which is incorrect & Equifax does this every month.credit one bank updated on XX/XX/2023. Also they report an account from XXXX XXXX  which has been deleted from all my reports expect Equifax a forgiven debt which went through irs. They updated the balance to XXXX XXXX after calling but still on there. They keep reporting wrong information, never been interested in credit the way I am now so trying my best to be responsible but companies make it hard
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-20
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00}
Consumer complaint received 2023-05-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX : {$330.00}.
Consumer complaint received 2023-11-01
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: Experian Information Solutions Inc. (LA)

To Whom It May Concern My XXXX credit card history has not updated on my consumer credit report since XX/XX/XXXX On my billing cycle for XXXX I had a new balance of {$3800.00} the payment was due by XX/XX/XXXX I paid the balance in full on XX/XX/XXXX from my personal bank account ending in XXXX. 

My account number thats on my billing statement and the balance latter is XXXX but the account number thats being reported to XXXX, XXXX XXXX EXPERIAN is XXXX XXXX XXXX XXXX has been reporting this inaccurate account number to XXXX, XXXX & EXPERIAN since XX/XX/XXXX. 

My credit score has been negatively impacted due to the inaccurate reporting for the past two years. 

Please ( UPDATED ) the correct account number XXXX to XXXX, XXXX XXXX EXPERIAN immediately to a XXXX balance!!! 

Also my credit card statement from XXXX has a new balance of $ XXXX I have reached out to XXXX credit card support team on several occasions for balance letters while inquiring when the credit card XXXX balance will update not knowing XXXX has been reporting the incorrect account information on my consumer credit report. It has already been 2 full months and 2 week since XXXX last update to my consumer, credit report which includes Experian, XXXX, and XXXX. 

Ive notified XXXX support services XXXX, XXXX, Experian through a certified letters with tracking to support my claim. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U. S. C. 1681s-2 et seq., including but not limited to : Accuracy and fairness of credit reporting according to 15 U. S. C. 1681 Section 602 ( a ) Reporting information with actual knowledge of errors : 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. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency. 

( i ) If the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( 2 ) Duty to correct and update information : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * Accurate Account Number # XXXX Thats on my statements each month for the past 2 years. 

* Inaccurate Account Number # XXXX thats reporting on my consumer report for the past 2 years. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report. I am attaching my credit report showing the discrepancies in the data reporting along with the dispute letters mailed which are dated and time stamped. Please send me everything you have on this account ensure accuracy or remove this account within 15 days : XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

Im a XXXX  student at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  slated to graduate in a few weeks. Prior to the XXXX school year, I have had no outstanding Federal student loans. 

This school year ( XXXX ), I elected to borrow {$20000.00} in Federal Direct Unsubsidized Loans ( the annual allowable maximum ), but my Nelnet account shows a balance of {$30000.00} for these loans. 

Specifically, there was one loan for {$10000.00} disbursed via Great Lakes Borrower Services on XX/XX/XXXX, the start of the fall semester. XXXX returned this loan on XX/XX/XXXX because the Master Promissory Note ( MPN ) expired and a new loan for the full amount of {$20000.00} was disbursed on XX/XX/XXXX. 

My balance with Nelnet does not reflect that XXXX returned funds on XX/XX/XXXX, even though XXXX account ledger reflects the funds returned and XXXX has also supplied me with proof that they've returned funds through the NSLDS.

I've attached all documentation, including XXXX 's email response to Nelnet.
Consumer complaint received 2023-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

In review of my XXXX credit report on XX/XX/2023, I noticed a " collection '' account being reported by a company by the name of Synerprise. I do not know who this company is and why they have placed a collection on my credit file. I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. 

* Contract : provide me with a contract agreement between SYNERPRISE and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. * Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). 

* Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted. 

Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

I had total XXXX XXXX on XXXX XXXX. My state XXXX insurance allows for XXXXXXXX XXXX sessions. I went to XXXX XXXX and the 3rd party billing was handled by XXXX XXXX XXXX XXXX XXXX ). I went to XXXX  2 times a week from early XXXX until mid XXXX and was told I didn't need to pay anything since my maximum out of pocket was hit. About 6 months later I received a bill for approx. {$3000.00}. I asked XXXX to provide a detailed record of visits and billing so I could reconcile with my insurance company. XXXX provided 3 separate bills indicating roughly 7 visits. I called XXXX again and asked for specific dates since XXXX couldn't reconcile properly. I never received the information needed. XXXX then sent my account to Medical Data Systems for collection. I spoke with them in XX/XX/2022 and they put one of the bills in Insurance status and I gave them the name of the person I spoke to at XXXX. Now they sent my number 2 of 3 bills out to collection ( all 3 for the same XXXX  provider ). I called Medical Data Systems and they can't do anything. I have not received paperwork from XXXX XXXX, just a phone call. I have been trying to clear this up for more then a year. Not sure what else to do. 

Thanks, XXXX XXXX