davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/year>, I filed a XXXX  XXXX bankruptcy to protect my home from foreclosure. On XX/XX/year>, I sent Macys/American Express , a payment while in bankruptcy. The payment was accepted. I never made a late payment on this account. On XX/XX/year>, I called Macys to tell them that I was going to continue to make payments on my account. I was transferred to XXXX XXXX and was told that they were an in house collector for Macys/American Express . I told them that I do not pay debt collectors because debt collectors do not provide credit to me. They assured me that they worked for Macys/American Express . I sent a payment directly to Macys/American Express on XXXX through my bill pay. I now received a letter from XXXX XXXX XXXX, that is not a part of Macys/American Express . 
I need to understand why Macys/American Express sold my account to a debt collector when I was never late. I also need to understand why XXXX XXXX XXXX lied to me and said they worked with Macys/American Express when they are a debt collector. This will damage my credit. I am attaching my payment history.
Consumer complaint received 2024-01-02
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 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.

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 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-02
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. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (DE)

In my second statement received from Synchrony Bank for my purchases at Sam 's Club only {$71.00} were made by me and $ {$140.00} were fraudulent charges. When I tried to call the number on the statement, I had no option of " disputed charges '' or something close to that and was subjected to insults and humiliation.
Consumer complaint received 2024-01-01
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. (CT)

The FDIC gave XXXX XXXX XXXX a consent order in 2023 saying the bank participated in unsafe and unsound banking practices relating to fair lending laws and XXXX XXXX XXXX failed to establish and maintain internal controls, information systems, and prudent credit underwriting practices ''. I am a VICTIM of these unsafe and unsound lending practices. This account is not mine and needs to be removed ASAP. 

I have attached the FTC identity theft report here. I have notified BOTH XXXX AND Transunion multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. 

Both XXXX and Transunion are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint serves as a formal demand for an immediate and thorough investigation into specific items tarnishing my credit report. These inaccuracies are not only false but are inflicting severe financial and emotional distress due to their derogatory nature. The items listed below demand your urgent attention for deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
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: HYUNDAI CAPITAL AMERICA (FL)

XXXX TO : CFPB RE : Complaint XXXX to Present Date Update ALL Credit Bureaus to Reflect Account Paid in Full/ Not a Charge Off-Restore My Good Name XXXX. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / New Vehicle ( AKA The chain of Names has changed : XXXX XXXX XXXX, KIA Finance America, and XXXX XXXX in my credit bureaus without advising me as a consumer ) XXXX. 
XXXX XXXX XXXX Total Vehicle Loss / Car Accident XXXX XXXX Paid in Ful Total Loss Claim {$20000.00} Check # XXXX PAID IN FULL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. 
Credit Bureaus were never updated to reflect paid in full account as closed Paid in good standing. 
The account errors to date reflect charged off closed account worst payment status, shows last payment XXXX. Balance owing {$2400.00} in XXXX and XXXX XXXX.
Consumer complaint received 2023-09-20
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. (PA)

I am refilling formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letters to them so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.Bankruptcy XXXX  XXXXdismissed Reference number : XXXX, Bankruptcy XXXX  7-dismissed Reference number : XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 



1. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, XXXX XXXX TransUnion ). Consistency in reporting is essential for accurate credit information. 

2. **Date Reported : ** The date reported varies across the bureaus, with one bureau reporting a significantly later date than the others. This inconsistency might require clarification or correction. 

3. **Account Status : ** While all three accounts are reported as closed, there's a discrepancy in the payment status. One account is reported as " Current, '' one as " Late 90 Days, '' and the other as " Closed or paid account/zero balance. '' Clarification on the accurate payment status is needed. 

4. **Creditor Remarks : ** The remarks provided by the creditors differ across the bureaus. These remarks should accurately reflect the account 's status and might need alignment for consistency.

5. **Credit Limit : ** There's a discrepancy in reporting the credit limit, with one bureau reporting a {$0.00} credit limit. Ensuring consistency in reporting this information across all bureaus is important.

6. **Payment History : ** Different late statuses ( 30, 60, 90 days ) are reported across the bureaus for specific months. Consistency in reporting these late statuses is crucial for accurate credit reporting. 

7. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies.
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (UT)

In early XX/XX/XXXXXXXX  I checked the status of my loans, which I do at least monthly and discovered that a paid off loan ( # XXXX ) had reappeared as active and at its original loan amount. Additionally, my two remaining accurate active loans ( # XXXX ) ballooned up in the amount owed. Looking further, the ballooned loan totals were because MOHELA removed my XXXX  electronic transfer payments from between XX/XX/XXXX and XX/XX/XXXX. These payments were visible in the MOHELA loan app the week prior. 

I contacted MOHELA on XX/XX/XXXX. They found my payments deep in their system and confirmed that although the payments were received and processed the credit was not applied to my account anymore ( causing the ballooned loan totals for the accurate-active two loans [ XXXX ] ). MOHELA also confirmed that their system shows complete pay off of the erroneously active loan ( # XXXX ), despite it being active and requirement payment again. They sent me a copy of the payoff letter for loan XXXX, as well as a few other previously paid off loans. 

On XX/XX/XXXX a resolutions rep looked at the XXXX XXXX XXXX XXXX XXXX and confirmed that MOHELA failed to notify the system of my loan payments in full. Therefore the national system is also not accurate. 

Since my initial call MOHELA has put erroneous loan ( # XXXX ) and accurate active loans ( # XXXX ) in payment ( federal injunction should have placed the accurate active loans on forbearance and the erroneous loan shouldn't exist ). Therefore, I am accruing interest and requiring payment on falsely inflated loan totals and I'm being forced to pay ( or be delinquent ) on a loan I paid off long ago. MOHELA is effectively stealing from me and risking negative affects to my credit and taxes. 

I've spoke to MOHELA on XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without resolution. They continue to tell me 7-14 days for full resolution without results. I've waited over 8 hours on hold during these times, costing me at my full-time employment. I would like to receive an accurate pay off total for the two accurately active loans and proof of full payment on all other loans. Additionally, I would like MOHELA to confirm that they have notified the National Student Loan Data System of my payment fulfillment and that they have notified my major credit bureaus of my fulfillment and loan closures. 

MOHELA 's negligence ( or worse ) in handling my loans is financially costing me directly in payments and potentially costing me through the negative affects of the impacts to my credit score and taxes. I've attempted to provide the information and reminders to MOHELA for them to remedy the issues and they fail to.
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

I lost my job and filed for XXXX in the state of XXXX My first check was deposited to an account that had been closed for an overdraft of {$60.00}. PNC closed my account ( I had been a customer for close to ten years ). When I learned my XXXX check had been deposited to that account, in error, the PA Treasury told me that became an issue between me and the bank. I then contacted PNC bank and was told my account had been closed by them in XXXX, 2016 and outstanding balance was turned over to collections. I asked what happened to my check and was told it was " rejected ''. This information led me to assume that the check was returned. I then contacted an individual named XXXX XXXX at the XXXX and attached the email I had received from PNC bank. She told me that PNC kept the money and I would receive a check for the difference. My two questions are as follows- 1. How can PNC keep my XXXX check when I do n't even have an open account with them? 2. Why is n't the XXXX required to obtain new account information when opening a new XXXX claim? This practice is unacceptable and very unprofessional. Thank you
Consumer complaint received 2024-06-19
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 2023-07-11
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: EQUIFAX, INC. (CA)

Im have not applied, nor signed or authorized or opened any XXXX Account. I have disputed this fraudulent account # XXXX with XXXX via mail and have not heard any feedback from XXXX. I have asked XXXX for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. XXXX did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX Tx. Ive also made a report with IdentityTheft.gov reference # XXXX. XXXX continues to report this fraudulent account on my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Looking at my 3 credit reports, they all show different and inaccurate information about an account. The account is XXXX XXXX XXXX XXXX, XXXX shows this account as NOT negative, closed, paid as agreed and last activity XX/XX/XXXX. 

XXXX shows this account as transferred to another lender, was paying as agreed and last activity XX/XX/XXXX. 

Experian shows this account with 4 different statuses... 4 late payments but 5 months of late payments are displayed on the calendar, paid off, closed, transferred to another lender and last activity XX/XX/XXXX.
Consumer complaint received 2023-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) creditors are unable to report late payments to my credit file, however TransUnion, XXXX and XXXX has reported this information on behalf of XXXX XXXX XXXX. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the Fair Credit Reporting Act compliance. I need the transactions reporting as late and any other derogatory information deleted from my consumer reports effective immediately. Furthermore, all accounts placed in collections/charge off status has been reported without the creditor mailing me a copy of my IRS form 1099-C or 1099-A, operating as a scheme to continue collecting from me even after the debt has been written off. This is in violation to 26 USC ss 6050P. I am requesting to have all derogatory account information deleted from my credit file within XXXX calendar days or I will be forced to officially file IRS form 3949A and IRS form 211 against all entities involved : XXXX XXXX XXXX XXXX or any third party Abbreviated Account # XXXX XXXX  or any third party ( currently reported by XXXX XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX ) XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX XXXXXXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX ) XXXX XXXX or any third party ( currently reported by XXXX XXXX ) Abbreviated XXXX XXXX XXXXXXXX  or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX  or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX XXXX  or any third party ( currently reported by XXXX XXXX XXXX ) In addition to derogatory accounts, there are several instances where my personal information has been reported incorrectly. The only spelling of my name should be XXXX XXXX XXXX. My only address listed should be XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. My phone number should NOT be listed on my report. My correct social security number is XXXX. My correct date of birth is XX/XX/XXXX. Please make these corrections effective immediately. 
Finally, I would like to request that the following hard inquiries be removed from my credit. These hard inquiries are from companies that denied me credit and is hurting my chances from obtaining new credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( did not authorize ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX