davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute the presence of a charged-off account on my credit report. I believe there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681eb. 
I have reviewed my credit report, and the aforementioned account is adversely affecting my creditworthiness. I am disputing the accuracy of this information for the following reasons : 1. Lack of Verification : I request that creditor provide verification of the charged-off account in question, including the date of first delinquency, and any other relevant information supporting the accuracy of this entry.

2. Non-Receipt of XXXX  Form : As of XX/XX/2024 I have not received a Form XXXX  (
Cancellation of Debt ) from the creditor for the charged-off debt. According to IRS guidelines, creditors are required to provide this form when a debt is cancelled or forgiven. Failure to do so may violate tax regulations. 
3. Violation of 15 USC 1681eb : I believe that the reporting of this charged-off account without proper verification and documentation may be a violation of the Fair Credit Reporting Act, specifically 15 USC 1681eb . I request that the creditor investigate this matter thoroughly.

Please provide a detailed investigation into the accuracy of the reported charged-off account, and if it is found to be inaccurate or incomplete, I request its prompt removal from my credit report. 
Additionally, I request that you investigate the failure of this Creditor to provide the Form XXXX, as this may have tax implications for which I am not currently informed. 
I appreciate your attention to this matter and expect a timely response within the 30-day period stipulated by the FCRA. If you are unable to complete the investigation within this timeframe, I request that you inform me of the delay.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3400.00}.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (NY)

I deposited my paycheck into my new SoFi checking account ( XX/XX/24 ). I then went to make my rent payment and it said I couldn't due to 'security reasons ' ( XX/XX/24 ). I spoke to the online help service and they couldn't tell me what the issue was, nor how long it would take to resolve. 

It has been two days and I am worried they have my funds and I can not access them.
Consumer complaint received 2024-08-08
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. (FL)

" According to 15USC 1681 I, e, b a consumer is entitled to fair reporting. The accounts in question are not reporting accurate. The FCRA rules ensure accuracy and these accounts violate the law. Fines per each violation are in excess of {$1000.00} per violation and there are over 100. Legally these accounts must be removed. ''
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I wasn't able pay my monthly payment for a couple months and they came and repo my vehicle XX/XX/XXXX and went get on XX/XX/XXXX I had pay XXXX half on XX/XX/XXXX and XX/XX/XXXX to get it back and they charge XXXX for the repo and made my monthly go up to XXXX on the XXXX every month
Consumer complaint received 2024-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

Radius Global Solutions LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I have tried to communicate with Radius indicating the charges that they are trying to collect are invalid from the dental office. All funds have been paid to the dental office. 
They repeatedly send the same letter with the same billing. I have responded back with my rights and to provide judgement indicating a valid debt. They have failed to do so. 

They are now stating they have received a prior dispute with the same allegations from me and will not be conducting any new investigations. There has been no prior dispute from me and appears that they won't go back to the dental office to clear my account. 

It appears in order for this to go away, I must pay a debt that I do not owe. As a consumer, I'm powerless dealing with this debt collector.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied for Capital One Quick Silver credit card that advertise a bonus promotions of {$200.00} after spending {$500.00} within 90 days after opening account. Once I meet the requirement I find out from customer service that I was issued a regular quick sliver credit card that did not have the bonus promotions. I am positive that on the application page the promotion bonus was being offered. I am very upset because why would you have two of the same cards one offering a bonus and one that did not. I feel that is very misleading to the customer.
Consumer complaint received 2024-05-30
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 (DC)

Reported fraudulent charges on my Barclays Aviator Advantage card. Barclays credited back the charges, but one of the merchants also credited back to the card. Now Barclays is charging me for their mistake. Put a debit of {$120.00} to make up for the double credits. That {$120.00} is now showing as my monthly payment. When I told them I am not paying for their mistake, they said they will charge interest and late fees. Ive spoken to them twice over the last few days. I didnt make any charges of {$120.00} and do not owe them that money. They are crooks.
Consumer complaint received 2024-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I contacted Navient in XX/XX/XXXX to ask how many more payments I have on the private student loans I cosigned. I'm having problems getting a definitive answer. They wrote back that I will owe XXXX payments when the deferment ends in XX/XX/XXXX. I made full payments since XXXX and throughout the deferment. A statement from Navient in XXXX said I had XXXX payments as of XX/XX/XXXX.
Consumer complaint received 2024-05-30
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: GOLDMAN SACHS BANK USA (MN)

There is an XXXX XXXX installment balance on my Apple Card of {$790.00} with no date and is not paying down. Goldman says theres no record of the transaction on my account so they cant remove it from my installments but Apple can. Ive tried 3 different times with Apple and 3 times with Goldman and nobody seems capable of resolving my issue,
Consumer complaint received 2024-08-08
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)

oIn 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 u.s.c 1681. 

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 XXXXXXXX ... 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 an account without my written instructions.. 15 u.s.c 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reprt by more than seven years. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2024, I learned that an address I did not enter or authorize was on my XXXX credit report. 

XX/XX/2024 XXXX informed me of fraudulent activity. Closed account and issued a new card. 
XX/XX/2024 I learned an XXXX online membership account was created. Not authorized by me. 
XX/XX/2024 Credit monitoring system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 I learned a phone number was added to my XXXX credit report. Not authorized by me. 
XX/XX/2024 Credit monitory system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 XXXXXXXX XXXX emailed & text that I applied for multiple accounts. Not authorized by me. 
XX/XX/2024 XXXX called if I applied for a XXXX XXXX credit. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX XXXX informed me of application for loan. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me.
Consumer complaint received 2024-06-11
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. (OH)

've tried numerous times to fix errors on my credit report to no avail. It's crucial that you take action now to delete the following accounts.I urge you to conduct a thorough investigation into these accounts and take prompt action to remove them from my credit report. Failure to do so will leave me with no choice but to escalate this matter further, seeking legal recourse as necessary. 

I expect a swift and decisive response to this urgent matter. Thank you for your immediate attention to this issue. Here 's the list of accounts and inquiries I want to delete XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

CONSUMER PORTFOLIO SVC Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX 
XXXX XXXX  Date of inquiry : XX/XX/XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TX)

I transferred debt to this company based on the 18 months no interest promotion. I transferred {$18000.00}. Multiple times I set up autopay to pay {$1000.00} a month. The payment kept not going through and I would go back online and make sure it was set up correctly. The payment continued not to post. I called in and set up payment information with a telephone operator. The payment posted to my US Bank account but did not come out of my checking account. I then got a letter that the payment had been returned. I called US Bank and was told that since I had made multiple late payments that I was going to be charged late fees and interest. I had the supervisor check the information I had provided and found out the previous person had put my account information in wrong. The supervisor told me she would see if she could reverse the late fees and interest and would call me back. She did not call me back. I called in and I was told she left a message for me that the interest and fees would be credited back to my account. I then went back to autopay and yet again it did not work and my payment was late. In XXXX I just prescheduled payments as far out as the online system would allow. I do not receive paper statements so I went back to my account several days ago and noticed I have been charged interest. After discussing with supervisors for XXXX minutes they told me they would not reverse the interest fees they have charged to this point but would reinstate the 0 % interest. Then she told me autopay can now be set up on the phone. I really do believe these are fraudulent practices to promote a 0 % interest and then make it difficult to make payments in order to revoke the promotional interest rate.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (GA)

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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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 informationisinaccurate.
Consumer complaint received 2024-01-30
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. (MI)

I am writing you as the Beneficial Owner of the reporting account, chose-in-action with you as the National CRA and reporting unlawfully converted chose-in-action accounts with the data furnishers, each associated with my social security administration card number, you are the resulting trustee based on the maxim a trust will not fail for want of a trustee. Meaning you are the trustee by default without the need of a formal appointment. As fiduciary, I am witnessing you aiding, abetting racketeer-influenced corrupt organization data furnishers involved in involuntary servitude, peonage, and debt bondage with unfair and deceptive trade practices in violation of the 2022 National Defense Authorization Act. CRAs, like many organizations with user, terms of use, account, and any other public-facing agreements, are crafted and executed by the unauthorized practice of law by a corporation or trust as a systemic-wide custom. 

As fiduciary, you have not held up to the duty of loyalty, prudence, and disclosure. 

Currently, there is a breach of good faith and fair dealings with your implied agreement for the use of my personal private information, a breach of trust, a breach of fiduciary duty, and a conflict of interest between you as fiduciary and myself as the beneficial owner of the account. The estate nor beneficial owner of the reporting account benefits from your adverse reporting of any detail, other than paid as agreed or paid-in-full in the revenue-generating reports sold to members and subscription holders known as data furnishers. 


12 CFR 1022.142 - Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking. Failure to block/remove specific adverse information such as payment status is a violation of the FCRA Section 605C.
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello, in XX/XX/XXXX I experienced a XXXX XXXX XXXX called XXXX XXXX. this caused me to be XXXX for most of XXXX which of course impaired my ability to work. I have now recovered and Im doing better and have also recovered my income by running out of my XXXX bedrooms and my daughter who lives with me, XXXX XXXX quit her XXXX XXXXn and took on a full-time job to help me. I am now able To pay payment.
Consumer complaint received 2024-01-30
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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