davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-18
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. (TX)

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 months that are reported late to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Consumer complaint received 2024-07-18
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. (KY)

TransUnion is frivolously reporting a bankruptcy on my consumer report that has not been validated or verified in accordance to the law. XXXX bankruptcy court has assured me that they do not validate any public records.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I had intentions to build my credit with this credit card but I lost my job and couldn't make my payments. The credit card debt is hurting my credit report. Debt collectors are calling me but I'm unable to make payment.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.
Consumer complaint received 2024-07-18
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. (GA)

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 Number : XXXX and list of Inquiries. 

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 2021-07-26
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. (MI)

On XX/XX/2021, at XXXX XXXX I tried to call XXXX at XXXX since they have a collection on my report for {$1700.00}. 
I was on hold for 20 minutes as they could not find my account. I gave them my social security number like 2 times and they could not still find my account. I was transferred to XXXX and hung up after 35 minutes. 
I have called back on XX/XX/2021, at XXXX XXXX and they still can not find my account under my social security number. I asked them to send me a letter to have removed my report and they say they can not do that. Yet their collection is not accurate on my report and I want it removed or closed. 
They ask for the account number and what the credit report says, is not an account number of theirs. 
I have disputed this and the reporting agency will not remove this from my report. I want this off my report as the company has no record of my account with my social security number.
Consumer complaint received 2024-07-18
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. (CA)

I am writing to file a formal complaint against TransUnion and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XXXX XXXX, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-07-13
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. (CA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-07-12
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: EQUIFAX, INC. (FL)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

I'm not sure what happened. I was terminated from my job so I pulled the remainder of my XXXX so I could feed my family till I got a new one. Once I received my check i tried to mobile deposit it like I had XXXX times before and the very next day they closed my account and said they were not refunding my money. {$2800.00}. In my account and {$3000.00} XXXX check, and they are keeping it? How is this legal. We are going hungry right now because of chime. My XXXX, my money. I've been a customer for XXXX years and this is how they say thanks?? Please help me. I earned what's left of my pension and they take it away like it's theirs? Shouldn't be legal, we ( i got XXXX little ones and a fiancee ) haven't ate in XXXX  days. This is some kind of sick joke?
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-12
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. (GA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MoneyLion Inc. (LA)

Years ago I had a prepaid account with money lion. I stopped using them. I then noticed there were 3 different entries on my credit report from that company. 2 of the account show that I paid them off but its charged off. One of them shows a balance history that says collateral released or something & the historical balances I cant make sense of. I have disputed them with all the bureaus. I have called and spent countless hours on the phone with moneylion with no progress. I am trying to get my credit In order to buy a home & this is a huge impairment. I dont know what else to do.
Consumer complaint received 2024-09-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AZ)

I was promised an apartment at XXXX at XXXX in XXXX, Arizona, in XXXX by rental agent XXXX XXXX She pretended to befriended, told me her life story, showed me her new car and videos of her ex on social media during our visits. She promised me and my child the unit, even allowing me view it unattended and promised to send me measurments for barstools in email conversations. When they got my money to secure the rental, they denied the application out of nowhere and refused to refund any of my money. The manager told me I am supposed to be legally refunded and she needed a certain amount of days, and they refused to return my money even after I called and spoke with the manager and their Corporate office. I gave up my lease because XXXX promised me this unit, knowing my child and I were in danger where we lived. Corporate refused to return my calls until I started making public complaints and agencies started contacting them. I made an Attorney General complaint and a XXXX complaint and spoke with their rental office with no movement. Finally, I got the refund from my bank, and they sent out a check that I have in my possession for {$200.00} of the {$250.00} owed to me after sending me a statment with the apartment number for MOVE OUT fees. Since the bank refunded me, I paid it no attention and kept it just in case. Months later, I get rude and harassing calls from IQ Data. We had several heated arguments because they wouldn't let me talk ; they kept yelling in the phone, hanging up on me, and eventually I cursed them all out and told them I called a lawyer. I asked for proof of the debt to be sent to me in the mail, and the zesty and sassy manager flat out said, " No. Write in a request for it. '' I asked for the number to corpoate and an adress, and about 8 agents refused, only giving the number to the same office I called, different toll free numbers. These people at XXXX illegally sent me to collection to harm me out of retailiation for reviews and reporting them to the states Attorney General and XXXX This should be illegal, and I want it investigated.
Consumer complaint received 2024-09-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

This company radius global solutions has been reporting in accurate information on my report. I previously disputed them because the collection is not mine was removed from my report and they had placed back on there. They are not licensed to operate in my state therefore, there are infringing on my rights ; as well as operating and attempting to do business in a state they are not licensed to do business in.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I was contacted by a company called points payment management in XX/XX/year>. They offer marketing services to timeshare owners who have extra vacation time to advertise this time to corporation. Their scheme is to charge a timeshare owner a XXXX time fee for this marketing and advertising and guarantee that they will pay up to {$1600.00} per week that is booked by a corporation who wants to use the various locations and times available that timeshare owners have access to. I was charged {$1700.00} on XX/XX/year>. The agreement was that the company would market and advertise my time to these corporations and that if there were no successful offers redeemed, they would continue to market and advertise on my behalf, and that they would eat the cost. None of the offers sent to me were able to be redeemed and in XX/XX/year> they stopped communicating entirely. They refuse to return calls and emails. I could not have known that it would turn into this. I have disputed the charge on the credit card used, issued by Barclays. They did nothing to assist, simply stating that they didnt not receive notification within XXXX statement cycles. There was no reason, within XXXX cycles, for me to dispute the charge, as the company was actively communicating and sending offers. Barclays did nothing to assist. I have filed complaints with the XXXX, FTC, and NYS Attorney General regarding the company XXXX XXXX XXXX. Please assist.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (GA)

XX/XX/2024-XX/XX/2024 I was accessing my mobile online app now I cant and money was in my savings and checking they falsifying responses and reasonings they hacking my accounts through online banking and back office of the SoFi bank and they never called me and still havent and its been almost a month now
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (IL)

I found out that being in the XXXX program. I shouldnt be getting emails and stuff about payment cause its in litigation. MOHELA are already screwing up this payment pause and sending collection notices to people who enrolled in XXXX. Ive already had two conversations with them. And its been every month for the last couple.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (AZ)

in accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX : XXXX XXXXXXXX  # 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
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CT)

I initially purchased a double recliner sofa from the merchant XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX for {$4000.00}. I was offered by the merchant XXXX XXXX to finance this purchase by applying for a Synchrony credit card, which I opted to do. A new Synchrony credit card was opened under my name and I authorize the {$4000.00} charge on my newly created Synchrony credit card account. 

I returned to the merchant XXXXXXXX XXXX to purchase a twin mattress and day bed for {$1100.00} on XX/XX/XXXX. I did NOT use my synchrony credit card for this purchase and used my XXXX XXXX credit card to finance this purchase of {$1100.00}. 

I had a dispute with the merchant and reached out to XXXX XXXX to settle the dispute. I believed the matter to be resolved and closed. 

On XX/XX/XXXX, I received a transaction amount of {$1100.00} on my synchrony credit card. I never authorized synchrony to charge this amount to my Synchrony credit card. I called Synchrony on XX/XX/XXXX to inform them I never authorized the merchant XXXXXXXX XXXX  to charge this purchase to my Synchrony credit card account. Synchrony informed me that they opened up a dispute claim and that I would be inform in 60 days regarding the dispute claim. 

On XX/XX/XXXX, Synchrony emailed me to state that they declined the dispute, siding with the merchant XXXX furniture and stated that I would be responsible for the disputed charges. I called Synchrony on XX/XX/XXXX twice and I tried to ask them how could Synchrony charge me for a purchase I did not explicitly authorize. I reminded Synchrony that the merchant had charged me {$1100.00} on XX/XX/XXXX for the purchase and I never used my synchrony credit card on XX/XX/XXXX for the {$1100.00} transaction. And I mentioned that it did not seem legal that synchrony charged me on XX/XX/XXXX for the {$1100.00} transaction, which was nearly two months after my original purchase date. Synchrony representatives stated that they can no longer assist me with this dispute since it was marked closed and I would be responsible for this charge.
Consumer complaint received 2024-09-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mr. Cooper Group Inc. (CA)

Nationstar XXXX has been Resurrecting a FALSE DEBT by using Identity Theft of a FORGED INTERNAL LOAN MOD that was never agreed to and never known to exist ; In XX/XX/XXXX - Presented a FORGED Signature lifted off a SHORT TERM AGREEMENT that was PAID. The NOTE was ACCELERATED by LENDER XXXX XXXX XXXX XXXX XX/XX/XXXX. Nationstar XXXX ADMITS in XXXX to having known of the Accelerated NOTE from OVER XXXX years ago. Nationstar XXXX was named on XXXX XXXX XXXX in a Bankruptcy Filed XX/XX/XXXX resulting in DISCHARGE OF THAT DEBT on XX/XX/XXXX. Nationstar XXXX brought forth a NEW FORGED NOTE for a different Principal Balance claiming FALSE DEBT IS OWED knowing that no Reaffirmation Agreement and also that the MATURITY DATE is recorded as XX/XX/XXXX last date XX/XX/XXXX and never decelerated. On XX/XX/XXXX Filed a NOD with a false DEBT claimed OWED for either XXXX XXXX OR XXXX XXXX and NEITHER is true. I have no DEBT owed. That I filed an Identity Theft Affidavit Filed XX/XX/XXXX WITH THE XXXX XXXX XXXX as informed by a Letter received in XX/XX/XXXX ; and with the FTC for IDENTITY THEFT XXXX XXXX On XX/XX/XXXX Nationstar XXXX XXXX that " They already determined '' there was NO FRAUD ; Despite that a FORGED disclosure was already Evidenced by A Federal Judge on XX/XX/XXXX ; and ADMITTED as FORGERY OF MY SIGNATURE and a Forged Note Affidavit once a new internal Loan was claimed to exist and falsely claimed to be recorded in XXXX XXXX RECORDS -- NO DEBT/LOAN is recorded and this is IDENTITY THEFT. 

Nationstar XXXX has not responded to the issue of FORGERY but for claiming they " At some earlier '' point before having received the AFFIDAVIT OF FORGERY to state that they decided it was already decided where never has this been brought forth until XX/XX/XXXX AS IT DID NOT EXIST. I in XXXX, having received THAT odd response where the FORGERY WAS PROVIDED, and called Nationstar and informed that I needed to FILE A POLICE REPORT with AFFIDAVIT. I am Attaching that IDENTITY THEFT AFFIDAVIT provided here. The Identity theft Affidavit.