davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: College Ave Student Loan Servicing, LLC (GA)

Im trying to get studaent loan forgiveness. In XXXX my grandma died in XXXX, That summer I was supposed to Take classes, because of Covid I couldnt. I was on schedule to graduate in XXXX of XXXX. In XX/XX/XXXX I tried to reenroll, all of my class were on line. I was diagnosed with XXXX XXXX  and XXXX  I dont do well on line because I cant stay focused, I need an instructor to keep my attention, all of this was due to Covid. Well I failed those classes. After that I had several XXXX XXXX and XXXX. I went XXXX XXXX in XXXX because my parents couldnt afford a XXXX. I have not been able to keep a job no more than 4 months because of XXXX XXXX, I would just start crying, not even sure why but they would send me home. I would then eventually get fired. Im getting harassing calls, Im just asking for student loan forgiveness because I cant afford to pay the loans. Thanks
Consumer complaint received 2023-10-19
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. (SC)

In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number 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 an account without my written instructions.
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Over {$2200.00} was " defrauded '' from my account when I received an phone call from an authorized Bank of America call XX/XX/2022. I was convinced by the CSA to move my assets to another account because I had received another authorized text from BOA that I was going to have a XXXX transfer of {$3500.00} that same night. I deleted that text and received another XX/XX/2022. I was duped, scammed, whatever you'd like to call it. I called the real Bank of America and got no results. As a matter of fact, I was denied so fast it was insulting. Then I received a phone call from their escalations department and was told that clients like myself had been getting " defrauded '' consistently. And BOA, could do nothing to stop it. They found where the money went and closed the account, allegedly. Some fictitious account that belonged to XXXX XXXX. Another bank that has been in hot water alongside BOA. I need help resolving this matter and want whoever was responsible held accountable.
Consumer complaint received 2023-10-19
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. (SC)

In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number 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 an account without my written instructions.
Consumer complaint received 2023-06-17
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)

XXXX 15 U.S. Code $ 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 identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-03-14
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. (CA)

I have recently been a victim of identity theft due to a data breach. During this identity theft two accounts where opened under my personal information on which do not belong to me. The following accounts are a result of that Identity theft and do not belong to me in no shape or form. Please block this account asap. Thank you -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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. (PA)

16 late payments reported to my Equifax report from domestic relations for child support when I had and have still a wage attachment from my job which takes it out every week Dates : XX/XX/XXXX thru XX/XX/XXXX Thats a total of 16 late payments I have included 2 pictures of paystubs from XXXX app as well to show the child support garnishes from the beginning of the late payments till the end and cand provide all of them if necessary which I did to Equifax I sent them and faxed them pay stubs In letter and PDF forms this is really hurting my credit Im trying to buy a house for my family Thanks you for the help and attention to this complaint Blessing
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (MS)

XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX claims I submitted an application with XXXX XXXX XXXX  in XXXX  when I did not. They have lied twice about this and the cfpb is allowing them to get away with this. you XXXX  and the cfpb continue on this course after I submitt my evidence, I will go the the attorney generals office. XXXX XXXX KNOWS I didn't submit a credit application. and it's time they tell the truth.
Consumer complaint received 2023-10-19
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: SYNCHRONY FINANCIAL (GA)

A payment was made on my Paypal Credit/Synchrony Bank for {$580.00} and posted to my account on XX/XX/XXXX. The check has cleared my bank and I am attaching a copy of the cancelled check for proof of payment. My account number of XXXX XXXX XXXX XXXX is also on the face of the check so it would be applied properly to my account. 

Prior to the payment posting I requested research as to why my payment had not been posted to the account as it was sent in earlier in XXXX. Apparently XXXX disputes were started for the same issue on the same day and a Dispute temporary credit issued twice for {$580.00} on XXXX 

On XX/XX/XXXX, the payment finally posted to my account for the {$580.00}. 

Then on XX/XX/XXXX - THREE reversals were made for {$580.00} on my account- all of which are listed as PAYMENT CORRECTIONS. Only the XXXX temporary credit amounts should have been corrected, not the actual payment made that cleared my bank for {$580.00}. 

Then on XX/XX/XXXX ANOTHER charge shows up on my account for {$580.00} and is listed as a purchase. There is no such purchase and this is a fraudulent charge. 

I now have XXXX {$580.00} amounts showing on my account that are NOT CORRECT and need to be fixed. My payment for {$580.00} on XX/XX/XXXX needs to be posted back to my account and the charge for {$580.00} on XX/XX/XXXX needs to be removed for a total of {$1100.00} credited back to my account for these error to correct the balance on my account. 

I have made multiple attempts to call Synchrony Bank/Paypal and am either transferred to " billing '' and the call disconnects or no one ever answers the call after very long hold time. It is impossible to try and resolve anything with this company via phone or chat. 

Their billing practices really need to be formally investigated as something is very wrong here and consumers are being negatively affected. They also are reporting incorrect balance to the credit bureaus based on these errors that also needs to be corrected immediately. It is unacceptable to be told it will take 1 -2 billing cycles to correct their very large errors and have my credit negatively affected and incorrectly reported under the FDCPA. I need this corrected immediately. This is almost {$1200.00} in errors!!!! I do NOT owe these amounts.
Consumer complaint received 2023-10-19
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. (SC)

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX account number 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 an account without my written instructions.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX IXXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-07
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. (OH)

I have unknown inquiries from XXXX XXXX XXXX XXXX XXXX and XXXX on my Equifax credit report that shouldnt be there and I want them removed. And multiple on my XXXX and XXXX  dating back to 2021
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I pulled my credit report while house searching the other day and noticed there is a charge off on my credit from Capital One. I am requesting that this account be removed/deleted from all 3 credit reports. 1 ) I did not receive a 1099 C Form for this debt. Please send the 1099 form and full and complete letter of validation for this debt. 2 ) This account is showing on my credit as a charge off with all 3 Credit Bureaus ( XXXX, XXXX and XXXX. ) and all 3 credit bureaus are reporting differently which is inconsistent & inaccurate and illegal as well as in violation with the FCRA. 3 ) All 3 credit Bureaus are supposed to be 100 % accurate/consistent. 4 ) A charge off is considered income by IRS. Income can not be reported on a consumer report 5 ) Late payments are associated with this account as well as past due amounts which is illegal/inconsistent. 6 ) The last date of activity is different/inaccurate in all 3 bureaus. I have filed a complaint & disputed this with BBB this month and was told by Capital One it had been verified as accurate. That cant be so, as I have looked and found several inconsistencies amongst all 3 bureaus. 8 ) High balances are showing up different on all 3 bureaus which is inconsistent info. Please remove/delete this account from all 3 of my credit reports as it is in violation with FCRA Section 611, 15 USC 1681 S-2 ( a ) ( 1 ) ( a ) Thank you!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX XXXX XXXX ) days of the completion of your re investigation.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit reporting act. XXXX  account # 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 an account without my written instruction. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

On XX/XX/2020my wallet was stolen which included my FL Driver 's License, Social Security Card and my credit cards .... I called my creditors and informed them what happened and received new account numbers .... On XX/XX/2020, I received a call from XXXX  XXXX fraud dpt asking me if I tried to open a XXXX   credit card with XXXX  XXXX, I explained to her about the theft on XX/XX/XXXX and the application was cancelled and noted as fraud. The XXXX  XXXX representative gave me the numbers for XXXX, XXXX XXXX and Equifax, ,also the identity theft.gov where I filed the complaint on XX/XX/XXXX ... 
I have been successful in getting a credit freeze with XXXX, and XXXX ; however, I tried calling Equifax on Saturday the XXXX, and they were closed. On Sunday the XXXX, I tried getting a freeze on their website and before I could finish I needed a pin number and I could call, or they would mail it to me. I decided to wait until Monday to call and speak with them, but it is an automated system which apparently could not verify my identity after I gave them my name, DOB, and SS # ... .. I emailed them informing them of my situation and if credit card was opened fraudulantly, they would be responsible due to their negligence ... .. They are the worst, they should be shut down ....
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Card was issued and began reporting to credit bureaus on or around XX/XX/XXXX. As of XX/XX/XXXX this card is in default in the amount of {$2600.00}. This card never should have been issued due to previous credit history of Chapter XXXX bankruptcy in XX/XX/XXXX. Summons and compliant was issued in XX/XX/XXXX and served on XX/XX/XXXX. It is unclear from this documentation how much of the consumer debt at issue is amounts spent versus interest and penalties accrued on the card. The issuance of this credit account appears predatory in nature given the fact that the account was issued only a year after bankruptcy filing.
Consumer complaint received 2023-10-18
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. (WI)

Once again after months of battling this fraud, I'm addressing Trans Union is reporting fraud accounts on my credit report. Trans Union continues to violate my rights & have failed to provide legal proof. I requested actually physical proof months ago, starting in XXXX, XXXX & XXXX & I still haven't received anything back. Trans Union investigated with the companies reporting fraud & say it's verified but shows no actual proof, any one can show a credit bureau a bill & my info, that some one stole from me! They pay these credit bureaus to report fraud & it needs to stop!! I been a victim of ID theft for years & I'm exhausted from this disaster & Tran Union refuses to provide support. Trans Union is breaking the law over & over & so are these companies reporting fraud! I Will proceed with a law suit if Trans Union doesn't stop breaking the law. These accounts are FRAUDULENT!! XX/XX/XXXX XXXX acct # XXXX {$2200.00} &. XXXX XXXX XXXX XXXX acct # XXXX {$2800.00}. Trans Union nor these companies have supplied me physical lawful proof in the 30 day time frame & now 5-6 months has passed & this is way passed the legal time, therefore Tran Union must remove them! I have NOT received any documents I requested months ago. I have also submitted a complaint to theXX/XX/XXXXXX/XX/XXXXI HAVE FILED A COMPLAINT WITH THE ATTORNEY GENERAL! Trans Union has 14 days to remove or I'm filing a law suit, my attorney will be contacting you soon. 
Thank You!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Last year and a half or so I have checked my credit reports. I found disputes with XXXX and XXXX and transunion regarding during the pandemic I was on forbearance and they said that I would not get any kind of late penalties or anything show up on my credit report. I had paid on time for 15 years and I didn't think it was an issue I'd ask him every month whether anything would affect my credit while I was in forbearance. They said no. This bank was XXXX XXXX XXXX 

Second one was XXXX XXXX  and arrangement with them and I was not late I arranged on how much I could afford to pay and they accepted it. When I probably dispute on the incorrect information that I had late payments with one of the three credit bureaus if not all three it came back that they added an extra month of late payment. No information was ever given to me on who to contact and how to get in touch with anybody at the bank itself. 

The third was XXXX XXXX  loans again I had arrangements made with them and they were reporting that I was late on payments delinquent in fact. 

Nothing was ever resolved there's no information for me to contact anybody at these Banks. My account was closed at all three because I paid everything off when I sold my house. even though all accounts are paid all these late and delinquent payments keep showing up. Like I said I thought during the pandemic the mortgage company was supposed to work with us. Also I have recently gotten XXXX  card and they constantly offer loan consolidation products and things like that saying " don't worry it won't affect your credit " but it did affect my credit. Several times. To the point where I've had seven inquiries into my credit in a short period of time. Is things like car loans and loan consolidation or trying to maybe see if you qualify for a mortgage or pre-qualified. 

I was not really aware of these things until I put an application to rent my rental that I am in now. They would not rent to me because of my poor credit report. And I had no idea about that. I've been trying for almost 2 years to try to correct this. And it's a specific person like a XXXX XXXX loans that I have to catch at a certain time of day from the month or the week. Very strange. Very difficult to speak to someone who could help with this. Anyway I actually had cash so I told the landlord I'd give him six months rent up front. 

I'm denied rental places to rent because of the credit report, I'm not being able to consolidate any loans, I get pre-qualified often but then they say they're sorry but they can't help me. I need to buy a car but I don't think my credit is going to let me buy a car.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX