davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PR)

The Fedloan Servicing, US Department of Education Federal Student Loan Agency stop to send me letters after I was on bankruptcy. Then on XXXX they send me a letter but I dont have how to pay the loan and I wait, but Huracane Maria pass through XXXX XXXX and I move to XXXX, then to XXXX  and I lost communication with the Agency. My complain is that the Agency fail to contact me again when I return to XXXX XXXX and also fail to communicate that they pass the debt to a privacy company that I dont know the name. My address fromXXXX XXXX still the same and my telephone number is the same, so why they fail to contact me to make a deal and pass my case to a Private Agency that retain illegally my Federal Refund with out previous notice. The law said that they have to contact me to inform that they are going to retain my refund. The law said that the private company have to contact me to let me know that they have my case. That I have a debt with the Fed Loan Company, and they have the intention to collect the money to apply to the Federal debt payment. They never do that, all they do is not under the law. So I want my refund back and I want my case with Fedloan again. Thats my complain. 

My name is XXXX XXXX XXXX Fedloan Account : XXXX My email is XXXX XXXX
Consumer complaint received 2024-05-28
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. (AL)

In account to the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCT # XXXX DEPT OF ED/XXXX XXXX # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I received an email alert regarding an inquiry of my credit report that I haven't authorize. I don't recognize that inquiry. I call TransUnion and they said they can not erase that inquiry from my credit report. I asked them to start an investigation and they refused. 

The inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested on : XX/XX/2019
Consumer complaint received 2024-05-25
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)

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 Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2024-05-28
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. (PA)

Theyre are several mishaps on my credit report that I did not give written consent to furnish my information or to obtain my information and according to the law 15 U.S.C 1681 there should not be any damages on my report its a defamation of my character.
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PR)

National Credit Systems Collection Agency have reported to the credit bureaus a collection account that does not belongs to me. 

I was in XXXX in Puerto Rico from XXXX thru XX/XX/XXXX and this debt is dated XX/XX/XXXX. There is no way I can rented an apartment while been XXXX. 

The debt creditor is XXXX XXXX XXXX for the amount of {$2100.00} and the collection agency is : National Credit sysytems XXXX XXXX. XXXX XXXX XXXX, GA XXXX I am trying to get everything straight with my life, getting things done in a responsible way and do not need negative things to stop me to achieve my goals This collection agency refused to remove this debt which does not belongs to me.
Consumer complaint received 2024-05-25
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. (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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2024-05-28
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. (PA)

Theyre are several mishaps on my credit report that I did not give written consent to furnish my information or to obtain my information and according to the law 15 U.S.C 1681 there should not be any damages on my report its a defamation of my character.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. I PULLED A COPY OF MY REPORT AND NOTICED THE ACCOUNTS BACK LISTED UNDER FCRA 15 USC 1681I ( 2 ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B. 

EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB.

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I recently reviewed my credit report and I noticed there were some unauthorized hard inquiries that I did not authorize on my credit report. I'm requesting these inquiries on Transunion be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks for your time!
Consumer complaint received 2024-05-28
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. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (PR)

I have a XXXX debit card. After I used it a couple of times, there was a problem with my physical address. The company asked for certification from an official government document. After a couple of months trying to get it, I finally did. I send the document in an email and waited 48 hours to contact them. To my surprise the number on the back of the card is suspended. I tried another number but the representative told me that it was another department and he could not help me. I tried accessing my account online and the card is inactive. So I want to talk to them to resolve this matter but don't have a way to do it.
Consumer complaint received 2022-11-23
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. (FL)

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. 

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

15 U.S.C 1681 Section 604 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 take 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 2024-05-28
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. (NY)

Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX  XXXX XXXX Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-13
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: SG and Associates (GA)

In accordance with the Fair Credit Reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Dispute made with XXXX. Report XXXX XXXX Date Generated XXXX XXXX XXXX - Advising to contact the entity who originated. But this entity is no longer in business and has never contacted me. There is no way to contact this company so how was this able to be purchased. FRAUD. 

ACCOUNT NUMBER : XXXX ; {$410.00} ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A : States I have a right to privacy 15 USC 1681 Section 604 A : Section 2 : Also, state a consumer report agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : No consumer report agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 USC 1681s2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2018-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I just tried to link my Capital One 360 debit card to my XXXX account to use their service called " Pay with XXXX ''. However, when trying to link my Capital One account using my Capital One credentials I got a message stating " Capital One is blocking you from enabling external applications ''. This is something that I didn't have issue with when I had my XXXX XXXX XXXXXXXX account. Capital One shouldn't be blocking this as many people out there utilize 3rd party services which allow them to keep track of their finances, help in paying off debt, budgeting, etc.
Consumer complaint received 2023-03-21
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. (NC)

After numerous disputes with credit bureaus, the company, two complaints to XXXX, and this is the second complaint to your agency. I have provided documents to all the credit bureaus and every time this company either auto verifies or validates inaccurate information on my file as accurate. They have violated FCRA several times. The credit bureaus and this company are in collusion. They have validated on two or more occasions information as accurate. I then submit proof showing they deliberately continue to report inaccurate information on my file. They report the account as closed, they reported the balance incorrectly, the type of account, and payment history to all the bureaus. XXXX, TransUnion, and XXXX continue to act blindly and do not enforce FCRA statutes. All the investigations from bureaus regardless of the documents provided go back to this scum bucket company that validates or takes my proof to then update the information to be accurate thus the collusion because the bureaus allow it happens and leave this fraudulent information on my file. This item has been disputed over 7 times since 2019. I have never even entered into a legal agreement with this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been told by the employee of this XXXX LLC  that every time I dispute it is just a click of the mouse saying the record is accurate. On some occasions the dispute would be resolved in XXXX hours with the bureaus. Time and time I have followed the FCRA guidelines identified the inaccurate data but yet for over 3 years this item has remained on my file affecting my life negatively. My credit score has taken a toll which affects my financial situation at home because my rates on loans and other items using the credit score are affected. I have not been able to purchase a home or other transactions due to this company 's refusal to do the right thing along with the bureaus. FCRA just asks that a company reports accurate and truthful information to the bureaus. They have made this personal since they acquired this debt which is illegal. They are the scum of the earth and because I told them to XXXX XXXX, they continue to report false information.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Khol Account number XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX My Khols account was reported late in XX/XX/year>, however I made a payment on my account at the Khols store. When I disputed it with Khols they said the payment was made, however, something about the billing cycle that I did not understand. The payment was made after the previous payment due and for more than the required minimum.
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Im not in collections and using my credit card. I have not been notified that Im in collections because Im not. So I dont understand why I keep receiving calls from this number and another similar number about debt that isnt owed. Im using the credit card normally. Its never been late. No voicemails left either. I only know it might be Capital One because I googled the number not because I answered. I dont answer spam calls. I google them before answering them.