davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Same name different accounts and name has hired different collections agencies whom also request Same amount money. That l don't owe. XXXX Has different names. Notice due to these XXXX 's alias which is shown on my account. .has effect my credit scores. I have proven to Experian, XXXX XXXX XXXX these accounts l don't owe.. .verification wi driver 's license I sumitted information CFBF instead of there credit bureaus remove these items. They are allowing me to continue to be denied credit.. I have tryes to remove these companies with credit specialist.who has waited over 90 days .. Something .needs to be done .Government? Due to lm not able to get credit, nor housing constantly denied. I proven.. Now the credit bureaus has placed alias on my account l don't used nothing but XXXX XXXX. As a name. Which's isn't fair attached information denied Letter due to credit reporting. Attached Wisconsin drivers license is attached
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance 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 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF OMAHA (OR)

I opened up a new account with XXXX  which is associated with FNBO Direct where I also have an account. Soon after I opened up the account they restricted my access to my funds and did not notify me. I only noticed when I logged in and it stated my account was restricted. They do not have anyone available to speak with and you have to use chat where they get back to you in 2-3 business days. 

They have not responded to why my account funds are frozen. They came from a bank they are affiliated with and I have had for years, FNBO Direct. 

This bank seems like a scam and should be shut down.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-07
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: Maximus Federal Services, Inc. (TX)

Department of Education and XXXX continue to violate my consumer rights. The debt they allege I owe I do not. They failed to address my previous concern about rather they are trading the promissory note for profits this is a yes or no answer. If they are not selling the note why did they submit documents to the SEC which outlines their business dealings. Failure to properly address my concern will result in my taking legal action for the illegal selling of this security and not rightfully compensating me as an investor in their company. The Department of Education never loaned me anything of value and there risked no loss what they are attempting to do is extortion and racketeering which are serious offenses. I will not pay an illegal debt that is fully paid from my investment unless XXXX can prove by federal law that I actually have a legal obligation to pay.
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report dated [ XX/XX/year> ], I noticed the aforementioned collection account. I have never opened an account with [ XXXX XXXX ] nor have I authorized or engaged in any transactions that would result in the creation of this debt. It is clear that my personal information has been compromised and used without my consent.
Consumer complaint received 2023-09-21
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a report on my credit report from a medical service that does not belong to me from XXXX XXXX XXXX. I do not live anywhere near this facility and have never even visited or been near this facility. This is fraudulent charges and probably idetity theft. This has been on my credit report for months and for months I've been disputing them. This is preventing me from getting a loan. I've been very patient but no one is helping me. They just send me online. Please help me. I need them to correct this information and remove the fraudulent charges and any history of it. I've disputed this on all of the credit reporters. I don't have any documents like Receipts or anything as this is NOT my bill.
Consumer complaint received 2023-09-21
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-18
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

On XX/XX/2023 I contacted Mohela to ask about my account balance, SAVE plan, and loan repayment. I was informed that my account was in the process of being updated and that no payments would be due for the months of XXXX through XXXX. I had already made my XXXX payment and inquired about a refund. The representative said I was absolutely entitled to a refund and placed a request ( Request # XXXX ). 

I called today and asked about the status of my refund. I was informed the request was canceled because the refund would make my account delinquent and that no refunds were allowed to be given from payments made before my loans were consolidated. I requested to speak with a supervisor to assist with the situation and was placed on hold for 2 hours. I gave up holding when business hours ended as I assumed my call would not be resumed after the office was closed. 

The consolidation was applied for in XXXX and wasn't completed until XXXX. Their delay in processing was the reason the payment was made before loan consolidation. Additionally, I did not receive notice of my account being in forbearance until after the payment was made. If I was informed of my account status I would not have made the payment.
Consumer complaint received 2023-11-08
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 Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-21
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. (NV)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MI)

On XX/XX/XXXX. XXXX  around XXXXXXXX XXXX  in the XXXX  my account with Cash App was cashed completely out to a debit card that was linked to my Cash App account called XXXX XXXX XXXX  out of XXXX XXXX Cash App claims that I linked this debit card to my account over 2 years ago. I reached out to XXXX XXXX XXXX  to find out where my money went. They claim that no such transaction occurred and there was no transaction associated with reference number Cash App gave me. I reached out to Cash App several times to investigate and open a case, they open the case for a few days but close it out without telling where my funds were. {$990.00} was taken from me plus instant transfer fee. I need help. I never owed an account with this bank and where is the transfer at?
Consumer complaint received 2024-05-07
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)

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am submitting this complaint against Portfolio Recovery Associates , LLC for fraudulent behavior and harassment towards a debt account on my credit report that does not belong to me. I have submitted multiple electronic disputes with all three credit bureaus, XXXX, XXXX, and XXXX against Portfolio Recovery Associates , LLC within the last couple of months. I am a victim of fraud and I have been harassed by Portfolio Recovery Associates , LLC. On XX/XX/ I contacted the Portfolio Recovery disputes department at XXXX. I spoke to the supervisor XXXX and he could not provide me any information or documentation on this account. He stated that all he has on this account is the transfer information from the bank. He asked me to provide my most recent home address and phone number. Since that day I have been harassed day and night by Portfolio Recovery Associates. I receive multiple calls and voicemails from this company every day. Since that day, I decided to take action and I filed the complaint with the Consumer Financial Protection Bureau on XX/XX/. After I disclosed my personal information to this company, they fraudulently added that information to the account and claimed they had taken all the proper steps, which is incorrect. Portfolio Recovery Associates fraudulently added the information that I disclosed over the phone on XX/XX/2023, and added it to this account. This company did not have any of my information prior the call on XX/XX/XXXX. Once I filed the complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, Portfolio Recovery submitted copies of a letter dated XX/XX/2023 with my information. This clearly shows that the letter was sent after my complaint with the Consumer Financial Protection Bureau to protect themselves from any further actions. This company has lied and fraudedly claimed that they have had this information. This is unacceptable behavior from this company and I am a victim of fraud. I hope the Consumer Financial Protection Bureau takes this complaint seriously.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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.

has violated my rights. Or a 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 2023-11-30
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: NAVY FEDERAL CREDIT UNION (NV)

They reported late payments and didn't follow law accordingly 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

I applied a XXXX XXXX credit card from Synchrony Bank on XX/XX/2023. I used the promotion link which I indicated that I would receive XXXX XXXX XXXX miles after {$3000.00} spending in first 3 months. I met the {$3000.00} spending requirements within 2 months, and received the credit card statement which stated I would receive XXXX XXXX XXXX XXXX  on XX/XX/2023. But I have only received XXXX XXXX  until XXXX. I made XXXX phone call with the customer service, they said the XXXX XXXX XXXX XXXX  will post to my XXXX XXXX account on XX/XX/2023, but it was not posted until today.
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: EQUIFAX, INC. (WA)

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 XXXXXXXX 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.