davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Dave Operating, LLC (PA)

The company cash advance system is Rigged! I applied for an advance XXXX weeks ago for {$400.00} and paid it a day early. It is still processing to settle. The website states that it could take up to 5 days. The advance paydate was XX/XX/. I paid it XX/XX/XXXX XXXX XXXX I have multiple tickets open and still haven't heard anything I was told that i would get reimbursed 3 months credit worth of membership fees. However, I am still getting charged. Nothing anyone says that works there is true.I even read the reviews and noticed that a simular situation happened with another member back in XX/XX/XXXX XXXX They are reporting to the credit bureau that the payment is late. This is False!
Consumer complaint received 2022-11-25
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. (KY)

account. 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, 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 vears. 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
Consumer complaint received 2021-02-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

Navient. Has contacted me four times outside of normal operating hours, on XXXX XX/XX/XXXX, at XXXX, once on XXXX  XX/XX/XXXX, and twice on XXXXXXXX  XX/XX/XXXX. I have never agreed to them being able to contact me during these periods. This is in violation of FTC guidelines. 

Furthermore, they were notified on XX/XX/XXXX that I would be stopping payments due to being affected by the Coronavirus pandemic. While private lenders are not required to stop loan payments, Navient has put a program in place to address this. They have, instead, opted to harass me by phone and add late fees.
Consumer complaint received 2024-06-01
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.

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the XXXX  data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (MI)

I had a balance of over XXXX with this company that I PAID OFF like most responsible adults. Once the card with paid off, I locked it and put it away in my filing cabinet. All of a sudden I get something in the mail saying I had a XXXX balance. I spoke to numerous reps which some said it was resolved and others said investigation is still ongoing. In the meantime Barclay sold my debt to a third party without contacting me nor did they have an XXXX call me regarding this. My history is proof, I paid off their balance, never missed a mortgage payment and pay all other bills on time. This negative report has prevented me from refinancing my house with XXXX at a XXXX % interest rate prior to the inflation. How much money did I lose from this? Someone should be held accountable but I'll settle for it removed. Please contact me with further?
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I have made a total of XXXX calls to Navient Customer Service starting XX/XX/XXXX through XX/XX/XXXX to attempt to get a resolution on my student loans. On XX/XX/XXXX I was notified via Email that my College, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was closing effective immediately. I was currently enrolled in their Bachelors program as a XXXX XXXX XXXX. I was told that the school would be sending us transcripts and attempting to transfer our credits to other Colleges. I checked online and the federal government website states that " If youre a student loan borrower ( or a parent who took out PLUS loans on behalf of a student ), you may be eligible for a 100 % discharge of federal student loan funds borrowed to attend your school under any of these circumstances. Your school closed while you were enrolled, and you did not complete your program because of the closure. If you were on an approved leave of absence for purposes of the federal student aid programs, you are considered to have been enrolled at the school ''.

Therefore I submitted my documentation to the Federal Department of Education to have my loans Discharged. Since Navient is the Provider for my private loans, I contacted them to obtain more information about my options to discharge them as well. The Customer service representative said that they had not heard of any school closing but that they can escalate my case to their management in order to reach a resolution. Every time that I have called after XX/XX/XXXX ( XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX ) I have been met with another Customer Service Representative that states that their case notes provide no resolution, that my case has been escalated with no updated information. On the last attempt to speak to customer service they stated that I have no remaining Forbearance or Deferment options so I am forced to continue to pay while a decision is being made on my account. I was given no other options or information other than " My account was put under review and will be updated in a week '' prompting my search for other methods of assistance.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (OH)

On Friday XX/XX/2023 somehow I was approved for PayPal credit account for XXXX  XXXX credit limit. While trying to figure out how to work and use the account I noticed PayPal had fraudulently had suspicious activity charged in the amount of over {$700.00} but wouldnt explain that. And I havent used PayPal in many years probably more than XXXX. As I continued to set up this account I could never access and use any of the credit limit. After verifying bank account debit cards my license ID EMAIL i attempted to pay for my services it stopped me and wanted to verify my phone number to make sure it was actually me. However it wouldnt allow me to go past that saying the number wasnt supported. I spent over XXXX hours making phone calls the customer service reps were rude. Hanging up on me kept sending me to dead end automated calls. They made me verify info about XXXX times it was a complete joke to the company. Made me listen to XXXX  options and I only speak XXXX. Once they had all verifiable information I could no longer do anything with the account. I cant even remove my bank information they are COMPLETELY FRAUDULENT.
Consumer complaint received 2024-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: BWW Law Group, LLC (MD)

BWW LAW GROUP IS ATTEMPTING FOR THE SECOND TIME TO ERRONEOUS FORECLOSE ON US BASED ON SOMEBODY ELSES HOUSE. THEY HAVE SET A SALE DATE ON XX/XX/year>. IF THEY HAD BOTHERED TO VERIFY WHAT THEY ARE DOING, THEY WOULD SEE THAT THE NAME, BANK, NOTE, AMOUNT, ETC, ARE ALL DIFFERENT FROM THE SAME INFORMATION ABOUT OUR HOUSE. IT APPEARS THAT, BECAUSE MY MOTHERS MAIL IS BEING FORWARDED TO OUR ADDRESS, A MIX UP HAS OCCURRED AND OUR ADDRESS HAS BEEN CONFUSED WITH HER ADDRESS, WHICH IS DIFFERENT. MY MOTHERS HOUSE IS IN FORECLOSURE, AND THIS HAS BEEN CONFUSED WITH OUR HOUISE, RESULTING IN THE SAME SALE DATES BEING GENERATED FOR BOTH HOUSES. I HAVE HIRED A COMPANY TO HELP ME WITH RESTRUCTERING OF THE MORTGAGE. THEY HAVE STARTED THE PROCESS, WHICH IS CURRENTLY ACTIVE. NO FORECLOSURE ACTIONS SHOULD BE OCCURING DURING THIS PROCESS. THIS IS A VERY SERIOUS ERROR THAT MUST BE ADDRESSED IMMEDIATELY. IN ADDITION TO HAVING THE SAME EXACT THING HAPPENING LAST MONTH, I RECEIVED A DOCUMENT JUST BEFORE THE CURRENT EVENT STARTED SHOWING HOW THE INFORMATION HAS BEEN MIXED UP. THE DOCUMENT IS ATTACHED ALLONG WITH A TIMELY SENT AND RECEIVED NOTICE OF ERROR.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, Section 604 A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please also review USC. This is a violation of 15 USC 1681a ( 2 ) exclusion.

" ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. "
Consumer complaint received 2024-06-03
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. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My US mail is currently being forwarded to my second home address in Montana. Yesterday in my forwarded mail I received a new credit card from Bank of America labelled as an Allegiant rewards card. Also in the mail were three identical notices that Bank of America sent stated that they " detected suspicious activity on your credit card and as a precaution, we've temporarily suspended your account. '' They also stated that they tried to call me but I have no record of those calls. They gave an 800 number to call them right away. These letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called the 800 number yesterday and Bank of America did locate my account with the number that was on the credit card and closed the account calling it fraudulant. They advised that I call the three credit bureaus and social security administration to put " watches '' on my profile.

I recently flew with Allegiant Airlines and while using their website to check in for flights, I noticed that most links that I clicked on threw errors. I suspect that this card was opened due to their website being hacked. I can not contact Allegiant as they do not publish any phone numbers to contact them.
Consumer complaint received 2024-08-30
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. (NY)

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

Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ABOUT A MONTH OR SO I RECEIVED A LETTER FROM XXXX XXXX  ( XXXX XXXX ) SAY THAT MY ANUAL FEE WAS GOING TO BE COMIND DUE, AND IF I WANTED TO I COULD CANCEL THE CARD TO AVOID THE FEE, SO I CANCELLED THE CARD BY PHONE. ITSSTILL SHOWING UP AS AN ACTIVE ACCOUNT, INSTEAD OF SAY CLOSED AT CUSTOMERS REQUEST, ITS HAD A XXXX BALANCE FOR AWHILE SO THERE SHOULD E NO PROBLEM.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (WI)

POA is attached with this complaint. Credit Management LP has ruined my reputation by way of reporting false and misleading statements that hinder my ability to obtain personal goods and services for my household needs. Credit management never had a binding contract with my person. 
Thier must be mutual assent and valid consideration for a contract to be binding. I need a certified copy from the Secretary of State signed and sealed stating Credit Management lp has the authority to act on behalf of XXXX XXXX XXXX 
I demand a swear statement under penalty of perjury that XXXX XXXX Lawfully owes this debt. 

I request that Credit Management Cease and Desist all further attempts to collect until this matter is addressed point by point in the notice given below.
Consumer complaint received 2024-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-03-20
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you please review the documents? Several of the listed accounts contain inaccuracies, causing me considerable unease.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I sent the 3 credit bureaus a letter asking them to remove this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly remove the following accounts : XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed:XXXX XXXX XXXX XXXX Balance Owed:XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7600.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-27
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: I.C. System, Inc. (OH)

Unknown collections on credit report from an agency called IC System. I have one thats been open since XXXX XXXX asking for {$450.00} and another from the same company open since XXXX XXXX asking for {$100.00}. I have disputed these collections and the dispute was remarked 4 months ago stating Account information disputed by consumer, meet FCRA requirements. These collections are still on my credit report stating that Im required to pay them. I have no knowledge of these collections or what theyre for. Im not satisfied with the results of my dispute and would like further assistance with getting these unknown collections off my credit report.