davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is inaccuracy in my consumer reports and 15 USC 1681 ( B ) protects me XXXX XXXX XXXX as the consumer, my Transunion report claims I owe XXXX XXXXXXXX XXXX XXXXXXXX while my XXXX report shows the balance at XXXX paid in full and my XXXX claims another amount this is considered Inaccuracy on my customer report which is also against the law as XXXX XXXX XXXX Terms and Conditions page XXXX stated they will not give out or sell my information to Non-Affiliates XXXX XXXX parties. Transunion, XXXX and XXXX arent affiliated. These corporations are also violating the Privacy Act of 1974, its illegal to report Transactions History but I am still seeing it present on my consumer reports. A charge off is considered Income why then are there charge off accounts reporting on my consumer reports these are all violations as I have not given written nor verbal consent to Transunion, XXXX nor XXXX to report on behalf of XXXXXXXX XXXX XXXX XXXX  XXXX, etc. Under 15 USC 6802 I have a right to Opt Out of anything on my credit report I OPT OUT of XXXX XXXX XXXX  reporting to my statement and all other 3 rd party non affiliates reporting on my consumer report without my consent Charge Off are considered income and can not be reported on my credit report kindly remove them all a certificate of indebtness is my income why do you continue to use it against the consumer thats also a violation of my rights.
Consumer complaint received 2023-04-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In accordance with the fair credit Reporting act Bank of America has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

denied an extension of credit by XXXX XXXX XXXX. XXXX applied for a credit card with XXXX XXXX XXXX  As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ).

has violated my federally protected consumer rights.

1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 proof and evidence that I have been discriminated against, you are also criminally liable.
Consumer complaint received 2023-03-15
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. (PA)

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 2019-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts from my credit.
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC. ()

Hello, I would like to raise a complaint about the XXXX XXXX XXXX coinlist.co. I had around XXXX units of a XXXX  called $ XXXX that I wish to withdraw. 

On XX/XX/2024 I submitted the request and it went immediately into a pending state and the balance of coins was removed from the wallet. No transaction ID was given and after 5 days the transfer has yet to occur. The transaction is still listed as pending on my account today XX/XX/XXXX. 

I have submitted support tickets and attempted to use the chat bot feature within the site and have had no response or acknowledgement. I have also tried to post on the sites X account.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Lowe 's consumer card and through the processing of the application I had to go through a fraud verification process. Through that process I kept getting transfered and asked questions over and over again. With each attemp to verify my information, they pulled my credit bureau. This resulted in 5 inquiries from SYNCB in a short matter of time, which significantly reduced my credit score.
Consumer complaint received 2024-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (MN)

In XXXX of 2023, we made a one time, electronic payment via loan depot website for our XXXX mortgage payment. They debited two payments without authorization. They admitted to the error and said they would take care of any fees, over drafts, etc. We took out advances to cover the expenses since it took almost a week for them to refund the monies. We had pending payments at the time the they took the double payment, and were attempting to prevent overdrafts and late fees for other pending bill payments we had made. They would not help with those advances or overdrafts.
Consumer complaint received 2024-01-03
Product: Credit card — Store credit 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 (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Re : Syncrony Bank/Amazon credit card ending in XXXX HELP!! 
In XXXX of XXXX, I inadvertently pushed the button twice and made duplicate payments to my Amazon account in the amount of XXXX. 
One of the two payments was rejected by Synchrony and credited back to my checking account by XXXX XXXX XXXXXXXX ( Page 1 ). 
Subsequently, over the last year and a half, this XXXX has been credited, and been credited and debited from my Synchrony account numerous times. Not having computer statements accessible prior to XXXX, I can only estimate this happened 2 or 3 times prior to the information I am enclosing. 
XXXX statements I could access show a credit of XXXX on XX/XX/XXXX ( page 2 ), A correction on XX/XX/XXXX of XXXX ( page 3 ), a credit of XXXX on XX/XX/XXXX ( page 4 ), and finally a correction on XX/XX/XXXX of XXXX. It seems to start getting muddied up in XXXX when they start calling the XXXX a promotional purchase ( page 6 ). 
Since the onset of this dilemma, I have spoken with a number of Synchrony employees in various positions of authority. Each seems to interpret what they see on there computer screen differently. I have also sent statements ( registered mail ) verifying payment. 
Lastly, on the advice of my banker, we tried to coordinate a 3-way call in an attempt to have my banker give them proof of payment. The answer we were given was that only the XXXX XXXX department could handle such an issue. I was informed that I would be contacted by said department within the next 7 - 10 business days.nothing. I called again and was told 2 letters had been postednothing. 
All my attempts have been fruitless. I am hoping that with your authority, a resolution might be possible. 

Thanking you in advance, XXXX XXXX
Consumer complaint received 2024-04-27
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. (MI)

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 Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (MT)

XX/XX/2024 To Whom It May Concerns, My information was bought and sold illegally because I was a victim of the XXXX XXXX breach. I want these items removed from my credit report effective immediately. I am attaching proof that XXXX has done nothing. Please help me delete these item from my report. I am listing all my information below. I am attaching proof that XXXX has admitted to the data breach and I was a victim and my information was leaked. 


Account XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (AR)

I applied for the save plan. Last month XX/XX/XXXX my payment was XXXX. In XX/XX/XXXX is saying I owe over XXXX for my monthly payment. But Im on the save plan and it not being applied this month.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NY)

My account was flagged for fraudulent membership. Once I provided proof if everything they still have not taken the restrictions off my account. I have not been able to access my money this month and I need it. I need to eat my fur babies need to eat and still I don't have my money
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

Mohela has not been sending me statement and also have delayed the processing of my student loan forgiveness. It has been over 12 weeks since the forms were sent back and showing that my company was approved and still I have not recieved any updates or any type of information.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (MN)

I received an umprompted call from a caller claiming to be from Synchrony Bank. I had recently opened a savings account with Synchrony Bank. They asked for personal information including answers to my security questions. Because I had not reached out to Synchrony Bank and had no reason to believe the caller was actually from Synchrony Bank, I declined to provide security information to the caller on the phone. 

After I declined, I logged into my account for Synchrony Bank and saw that my account was restricted. This was around XXXX XXXX XXXX. I reached out to Synchrony Bank and they assured me this issue would go away within 2-3 days. I have logged in periodically to check to see if my account restriction is removed and reached out to Synchrony Bank customer service twice and have been told that there is now a second review and they can't give me a timeline as to when they will remove the restriction. 

I have never experienced this from any financial institution. Synchrony Bank should not be calling consumers unsolicited and asking for private security information, and then locking their accounts indefinitely when they don't want to give information out to strangers over the phone. I informed Synchrony Bank that I'm an XXXX  and will be closing my account with them as soon as I can finally get access to my funds. I want my funds unrestricted so I can withdraw my money and close my account. Thank you. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

Was to take a trip to XXXX on XX/XX/20 to XX/XX/20 Due to the President of the US and the XXXX XXXX of XXXX shutting down the countries I was unable to go on the vacation. Citi Cards has not been cooperating nor has the XXXX XXXX XXXX XXXX Not being able to get through to either of them. I'm disputing the amount of {$1200.00}
Consumer complaint received 2024-04-27
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. (AZ)

I have been a victim of identity theft, I made XXXX, XXXX and Equifax aware of this since XXXX of XXXX. They Have ignored my notices and request to remove the fraud from my consumer report. The 30-day and 60-day time frame for a reasonable investigation as past. If items can not be verified within 30 days it must be removed. failure to provide proper validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ), debt collectors are required to validate debts when requested by the consumer. Also 15 USC 1681 c- 2 they must block all item that came from fraud in 4 business days which has also passed. I am requesting all Items be deleted immediately. I demand that the following account be verified or removed immediately : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the law when a charged off is reported its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report. 
XXXX Affiliate marketing opt-out and exceptions. 

as per 15usc 6802-6805 obligations with respect to disclosure of personal information, XXXX XXXX bank is in violation of this very code. 
I also have a right to opt out and wasn't aware of any disclosure from this company. 

XXXX XXXX is also in violation of the Privacy act of 1974. 
this was sold to a 3rd party debt collector, violating its own agreement therefore this should be removed from my personal credit report.

Also, 15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished.

See attched credit report for inaccuracies on all 3 reports.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation (FL)

To all this may concern, This complaint is to identify fraud that has occurred with XXXX and Fortiva. 
On XX/XX/2023 at XXXX XXXX eastern I was notified by XXXX that my credit score dropped XXXX points. I immediately started investigating my report. To my surprise I saw that a company named Fortiva reported that I was delinquent in payments for over XXXX  days. I was shocked to see this for XXXX main reasons, I have never taken out a line of credit with Fortiva and I didnt know they have been withdrawing money for my bank account for over a year. At XXXX XXXX  eastern I reached out to the Fortiva company and asked them why were they reporting this account to my credit report. A representative by the name of XXXX stated that a company called XXXX financed their XXXX XXXX XXXX through Fortiva and thats how I became their customer. I explained to them that I never agreed to open a line of credit with them and this had to be fraudulent. I demanded that they present me with the original loan documents so that I can see what was going on. The Fortiva representative demanded that I paid what was owed in order to transfer me to customer service. Under duress I paid XXXX dollars and the Fortiva agent thanked me for my payment and told me unfortunately since the account is closed I can not get the documents. They essentially scammed me for this transaction. The Fortiva agent then told me to call XXXX because this will be the company that has the XXXX and all documents to send me. I immediately hung up the phone and called XXXX. The agent at XXXX explained that she couldnt find any information that describe or show my authorization to open up a line of credit with Fortiva. The agent at XXXX sent me a purchase agreement that I will attach to this complaint. The purchase agreement that XXXX gave me has absolutely nothing on it that says I am financing equipment through Fortiva. The XXXX agent kept apologizing and said she will transfer me to the fraud department but after holding for XXXX minutes she told me no one can talk to me and that the only document she has was the one I will attach to this complaint.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Under federal law, you have thirty ( 30 ) 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 fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) 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 fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

The Navy Federal Credit Union ( NFCU ) mortgage department made an escrow adjustment and transferred the credit to my savings account. Then the mortgage department attempted to apply the adjustment as a payment and before they could, the NFCU Charge Off Department XXXX  my savings account out due to a past due closed debt. I was reassured multiple times by the mortgage department that escrow are protected funds and that they could not be touched.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (UT)

I am so confused about the status of my student loans and its balance as of today. On XX/XX/2023, I received the attached response from Nelnet after disputing its current balance. 

I am particularly confused about the 4th paragraph from the bottom ( highlighted with a yellow box ). 

Does this mean that Nelnet or the US dept. of Education has not finished with the process of discharging my loans? 

I also need to know if loans numbers XXXX and XXXX are all loans from other schools either than XXXXXXXX XXXX i.e. are they mostly from my XXXX schools attended.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I try to call XXXX they tell me the account is old and they can not find information on this account but they are still reporting it to all three major credit departments. 

I would like these two account remove from my credit report.