davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank has continued to harass me about an alleged debt which they have failed to prove is mines nor did they present valid information for me to validate the debt pursuant to title 15 USC 1692g. I have made sent numerous correspondence to Synchrony Bank attempting to get the information required on their part to prove my obligation to the alleged debt. Synchrony Bank has written this alleged debt off as a lost of profit and is now report it as such on my credit report. But Synchrony Bank has now gone even further and is now attempting to get payment for this same alleged debt account which they failed to validate and wrote off as a lost by way of the small claims court system.
Consumer complaint received 2024-04-23
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)

I have reviewed my Consumer Reports and noticed that I have a late payment on account that I was never late for.Consumer Reporting Agencies have a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX XXXX XXXX # XXXX opened XX/XX/2020 Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated as they should be to on time as they should be as I WAS NEVER LATE.. Thank You
Consumer complaint received 2023-11-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RAB, INC. (TX)

This company RAB Inc has harassed me with phone calls and text messages. Calling everyone I know. To name a few : my employer, my broker, my mother, my colleagues, etc. The guys name is XXXX XXXX and he sends text messages and leaves harassing voicemails. He still has been unable to furnish paperwork on the alleged amount owed and has not mailed me written notice of the debt or information that the debt belongs to me. If I could attach the voicemails I would. He threatens to take my real estate license and that he will be in contact with my real estate company I work for. He said he is prepared to play a game and come for everything I have. He called my broker and all the realtors in my office harassing them, it has gone too far. There company comes off as a fraud because they have sent no paperwork or facts but just harass and call you through phone calls and texts making false allegations.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation (AL)

XX/XX/2018 XXXX XXXX is trying to charge me for a returned check fee that was drafted out of my checking account for a check that was written to XXXX No XXXX. I tried explaining that the returned check charge had already been paid and the lady argued with me telling me that it was my bank charging me. I continuously explained that it was not my bank and the lady told me it would not be removed and I would have to pay it again. I have a bank statement clearly stating the payment to XXXX for a returned check charge of XXXX and the one from my bank in the amount of XXXX. I am getting multiple calls everyday even after they have been told not to call me.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I've been trying to remove the derogatory status of my XXXX account on both transunion and XXXX reports and I have a letter from XXXX stating the account was nor derogatory, but can not access the derogatory mark or upload the file through the dispute process on transunions site nor access XXXX  site for disputes as their system states it can not connect to its servers.
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

Upon trying to get XXXXXXXX XXXX cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over a XXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX Also a account for XXXX, LVNV FUNDING LLC XXXX and XXXX XXXX that i did not authorize.
Consumer complaint received 2023-08-08
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Reviewed most recent credit report from TransUnion and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 
After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (TX)

In the summer Great Lakes Loan service ended their company? And transfer every to Nelnet XXXX XXXX. 
I've been emailing Nelnet on their forms online, letting them know that I can NOT make a large amount of payments each month ( over {$300.00} ). 
They have either ignored me or denied me or both. Which I don't know why. I did a lot of forms for forbearance and/or low payments on FAFSA/Student gov XXXX. And yet Nelnet is not helping me. 
I'm a single mom with XXXX kids, and receive no child support ; I'm the only income coming in my household. I desperately need help with lowering my payments or putting them on freeze. 
Because I do not need my wages garnished in any way. Please help. 

XXXX : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the presence of inaccurate information on my credit report, specifically regarding late payments that are erroneously attributed to my account. Despite previous escalations and attempts to rectify this matter, the inaccurate information persists, and I am requesting your immediate attention to correct this error. 
Upon careful review of my credit report, I have identified discrepancies related to late payments on my account. I wish to emphasize that there has been no instance of missed payments on the account in question. I have consistently met all my financial obligations in a timely manner, and it is disconcerting to see information on my credit report that does not accurately reflect my credit history. 
I have previously brought this matter to your attention, and despite my efforts, the inaccurate information persists. I have attached copies of the previous dispute letters and correspondence related to this matter for your reference. 
I kindly request that you conduct a thorough investigation into the inaccuracies on my credit report and take immediate action to rectify the following issues : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: M&T BANK CORPORATION (MD)

On XX/XX/23 i recorded a promotional balance transfer from XXXX XXXX  ( another credit company that I have a credit card account with them ). I performed this balance transfer of {$130000.00}. XXXX XXXX  XXXX a check to my M & T Credit Card and charged me a balance transfer fee. At that time of the balance transfer my balance on the M & T credit card was only about {$1100.00}. Once the balance transfer went through and settled my M & T credit card had a negative balance because of the overpayment. I contacted M & T lending office and asked them to transfer my over payment of about {$11000.00} to my M & T checking account. They stated we can not do that and we will send the original payment from XXXX back to them. Although this is not correct and the overpayment is my money I agreed to that. But its been 18 days and they still holding my money. I have contacted them numerous times to resolve this issue but every time they just apologize and stating we will send an email to the back office. Please help me to get my money
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I am writing to dispute a series of unauthorized and disturbing credit inquiries that have devastatingly appeared on my credit reports from XXXX, XXXX, and TransUnion. These inquiries were made by companies I have never heard of and did not give permission to access my private credit information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am absolutely certain I did not apply for any credit products with these companies, nor did I authorize these inquiries in any manner. This appears to be a case of potential fraud or identity theft that is already doing severe damage to my credit score and financial life.

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, credit bureaus are prohibited by federal law from providing my private credit report information without a legitimate, authorized purpose stemming from my own application and approval. These unauthorized inquiries violate the FCRA.

Furthermore, 15 U.S.C. 1681i of the FCRA requires that your agency immediately conducts a reasonable investigation into these disputed inquiries and removes any that are found to be inaccurate, incomplete, or unverifiable from my credit file. The existence of these illegitimate inquiries casts doubt on the entirety of my credit report and its accuracy. 

I am extremely distressed over the impacts these unauthorized inquiries are having on my credit standing and the potential identity theft implications. Every day these derogatory inquiries remain on my report is causing irreparable harm. I demand that your agency immediately investigates per the FCRA and removes any inquiries found to be fraudulent or inaccurate without any further delay. 

Please protect my good name and credit standing, which I have worked so hard to maintain responsibly. The urgency of this matter can not be overstated. I am counting on your agency to enforce my rights.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2023-09-26
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. (FL)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' let 's be clear that I am not asking you to validate or verify anything. So please don't respond by telling me that cause that would be a waste of my time. Some of the negative accounts have been placed in Collection/charge-offs, late payments/ other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns relating to the Cancelation of indebtedness by certain entities. If this derogatory account information is not deleted from my consumer reports within 30 days I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for award for original information overview with the IRS against ALL entities involved
Consumer complaint received 2023-11-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NJ)

I called Citibank on XX/XX/2023 to close my certificate of deposit account and ask for the check to be mailed to the address on file. This was after the certificate of deposit matured and during the grace period where there would be no penalty fees for closing the XXXX. The check did not arrive after XXXX business days, so I called again and asked them to reissue the check. The check still did not arrive by XX/XX/2023, so I called and asked them to reissue the check to a different address. They said they had everything taken care of and the check should arrive at the new address in XXXX calendar days. I know the address was changed properly because I received an email showing the new address on file. However, as of XX/XX/2023, the check still has not arrived at the new address. I called on XX/XX/2023 to inquire about the status of the check and they said it has already been issued to the address on file, so I would need to visit a branch for more information. It is difficult for me to visit a branch because the nearest XXXX is very far away, and I let the customer service representative know about this, but they were unable to provide an alternative solution.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On or about XX/XX/year>, I pulled my Experian credit report and saw that Experian has several names and addresses listed for me that are not mine. Experian continues to report the incorrect spelling of my name and incorrect addresses listed for me, that are incorrect. This is harmful to me because it makes me susceptible to fraud and identity theft. Also, I can not receive my mail at incorrect addresses to take care of my business that may be time sensitive. 

See attached
Consumer complaint received 2024-04-24
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau (UT)

The company was dissolved back in 2020 due to identity theft and fraud issues, the business reported all incidents to the local slc authorities however XXXX refused to honor valid and active police reports. The debt is due to fraud and identity theft under a LLC that has been dissolved. It is illegal to obtain or seek debt collection of an LLC alleged debts from any of the members personal assets. XXXX has tried to go around the law to seek alleged collections from a dissolved LLC to obtain collection from members personal assets. Trying to enforce the law by indirectly breaking the law. The balances Knights collection are seeking there is no record of this alleged debt.
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: CCF Intermediate Holdings LLC (ID)

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.