davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX this debt it outside the statue of limitations according to Texas law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and last date of activity was XXXX Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the Dodd-Frank Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TN)

I tried to make payments using the Mysynchrony App but it stated " We are unable to complete your request at this time. Please try again later. '' I eventually went to through the online portal to make the payment. The online portal also has user interface issues frequently. The payment I made in XXXX showed that it went through. I traveled out of the country on business for several weeks. In XXXX it showed that my account was late. I made the payment and called the company trying to resolve the credit reporting issue with no luck. The last XXXX times my call was dropped while waiting on hold for more than XXXX XXXX mins each time. 

In accordance with the Fair Crediting Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681 Section 602 states that I have the right to privacy.

15 U.S. Code 1681 Section 604a Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S. Code 1666b, a creditor may not treat a payment treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

DEAR BANK OF AMERICA ; I have disputed this item with the XXXX XXXX XXXX and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

With the restart of loan payments and being a member of XXXX, I called MOHELA to ack about recalculating my monthly amount. The agent in the phone helped me to submit a request for recalculation and submitted a one month forbearance for me while the request was processed. She said to check back in XXXX as it was a one month forbearance only and I would need to request an additional month or two if my paperwork was not processed. 

I recently received a statement saying I didnt pay the > {$400.00} owed in XXXX per my regular statement and that I additionally owed for XXXX and have an outstanding balance of >> {$800.00}. 

I will call again Monday to attempt to correct.
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

Hello, My name is XXXX XXXX, I live in XXXX, Arizona. I'm an XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX and I work at XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I've done multiple terms with XXXX and amassed a sizable education benefit that I've been trying to use toward my student loan payments since XXXX. I was never invoiced for XXXX so found out in XXXX that I was past due. I followed the process to send payment from my XXXX education account immediately, but MOHELA rejected the payment. 

On XX/XX/23 I called them and navigated a phone tree for 45 minutes before it dead ended and ended the call. I called again and tried different options and waited 50 minutes to speak with someone. She couldn't figure out why the payments were rejected, so she escalated me to a supervisor. 

That supervisor walked me through resubmitting the payments through XXXX with a slight change in how I did it last time. She assured me it would go through and she said that it was an issue that comes up sometimes with XXXX payments. 

I sent 3 payments that day to catch up my account. 

Today, I received a past due notice of {$1200.00} with threats that I will be sent to collections. They again rejected my 3 XXXX payments even though they walked me through it, and said I did it correctly. 

I'm desperately trying to fix this. I can't get sent to collections because we plan to buy a house soon. I have the money in my XXXX education fund that I worked hard for. I'm trying to pay them, they are very, very difficult to get a hold of, and I need help please. 

I've called and spent multiple hours navigating their phone tree just trying to reach a live person, but I keep hitting dead ends on the phone tree that end the call. I've only been able to actually speak to someone that XXXX time when they walked me through doing the payments ( which still got rejected ). 

Is there anything you can do? Any way you can help me to be able to speak with someone there who can help me? All I need is a way to talk to someone and see why they keep rejecting my payments. 

Their phone system uses social engineering to make it extremely difficult to reach someone. They force you to listen to recorded messages that are over 4 and over 5 minutes long before offering an option on the phone tree which then takes you to another lengthy recording. They bounce you back to the AI assistant and some of the options are just dead ends that don't offer any way forward but to hang up. 

You can try the number yourself to see what I mean- it's XXXX. 

I'm trying to do the right thing, please please help me to reach them. I feel completely helpless and so stressed out. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act
Consumer complaint received 2024-04-12
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. (OH)

When I recently check my credit score on XXXX XXXX I notice these fraudulent account : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-31
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. (NC)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-04
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/ I made a purchase of mens clothing totaling {$240.00}. The cashier ( # XXXX ) informed me that I could save 10 % of that total if I signed up for the TJ Maxx rewards card. I clearly told her No.. that sounds like a credit card. and that I didnt want/ need any hard inquiries on my credit file. The cashier assured me that it wasnt, and that it would only be a soft pull on my credit. I then asked to view the paperwork to ensure that what she said was true she stated that there was no paperwork and proceeded to ask for my i.d . I, naively, went to my car to retrieve my drivers license and handed them to her. After returning home and viewing my credit report online, I see that I have a new hard inquiry on my file.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (MD)

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.
Consumer complaint received 2023-11-03
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. (CA)

I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed.

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MA)

Good afternoon, About 2 years ago I had phone service with XXXX. When I signed up for the service I received a new phone. I specifically asked if there were any contracts or cost for the phone. She said no, the phones were free as part of the current promotion & the service was month to month. I signed up for 2 lines, one for me & one for my husband. My husband does not use anything but a flip phone so I paid for a flip phone for him. Everything was good for awhile until a monthly bill arrived with a new phone for over {$300.00} on it. I called them to find out what that charge was & she said " you bought a new phone ''. I told her that I had not purchased any new phone as I got a new phone when I signed up for their service. I asked her to please remove that charge for that phone as I had not purchased anything. Three months went by & the charge was still on my monthly bill. I called back to again ask them to remove that phone from my bill. They didn't, so I canceled my service & I got a new provider. 

I never got another bill or heard from them again so I assumed that they finally removed that charge & closed my account. Now it's probably a year & a half later & I get a letter from a collection agency looking for more than {$600.00}. I called them & the man said because I didn't keep the service for at least 2 years that I now have to pay for the phone that was given to me free when I signed on for the service plus a monthly fee for all the time since I closed my account. The collection agency man was extremely rude to me & said said I could settle for some amount over {$400.00}. I said I wanted to see copies of those bills & to send them to the correct address. They sent it to my legal address instead of my mailing address. Our property is in XXXX, but we receive our mail through XXXX XXXX because most of our street is XXXX XXXX property. 

It's been three months & I heard nothing so I assumed perhaps they closed the case. Wrong, the other day I got a bill from XXXX, again mailed lto the wrong address. I called them & the young lady said she couldn't help me because it's in collections. My credit score is over XXXX & I am so stressed out over this since I asked many questions before I signed on with them. I may be elderly but I'm not ignorant. I feel very abused right now. On that bill it also says that I have 4 handsets. I had only 2, one for myself and one for my husband. 

Can you help me with this before I have a breakdown? I'm losing sleep over this. 

Thank you, XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX, MA XXXX Legal Adress is : XXXX XXXX XXXX, XXXX, MA XXXX
Consumer complaint received 2022-11-15
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. (NJ)

i when to XXXX XXXX XXXX, looking to purchase a vehicle. 
i was under the impression, that my credit will be run once. 
now i have A lot of hard inquiry on my credit report. this is stopping me from purchasing a home or Vehicle. 

Shared with out my consent, credit Inquiries from unknown soucrces. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (RI)

I contacted avant and explained I had fraud transactions on my account and there were purchases in Arizona and I live in Rhode Island... .they were/are not my charges ... .they did investigation and sent me a letter that these charges were found to be valid..I did not hear from avant with copies of my signature and the original receipts. I do not have access to enter stores in Arizona As I live in Rhode Island..
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-24
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. (KY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Everything was perfectly fine until the day after my XXXX paycheck deposited. Then my card stopped and i couldnt access my money. I was never notified of what was going on i had to call and was told it's usually resolved in 24-48 hours and they do t usually have to contact you ( how y can not need to contact me when your freeze my account i do t know ). A specialist from the XXXX bank was handling it and I never talked to these people. I was told they don't have phones. No one had any information for me or an adequate explanation. It ended up taking XXXX6 hours and my card worked for 1 day then stopped again. I was told they had decided it was something with fraud and were closing my account in 30-60 days if i washed my money i needed to go to a branch. I still have no idea what this alleged fraud is AND how it was committed. And I find it quite interesting this all happened right before a bonus {$300.00} was paid to me for opting the account.