davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
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. (AL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I originally had Kohls charge card from a couple years ago. I did not use it for some time ( like a year I think ). Kohls closed my account without my knowledge. 
OnXX/XX/2024 I made XXXX purchases online, XXXX for {$140.00}, and XXXX for XXXX. 
Because my old account was closed, the website auto-generated me a new acct number and card number, which I was not informed of. I still thought I was using old account. Later, they claimed I was supposed to receive a new card but they never sent it. On XX/XX/2024 I made an in store purchase of {$90.00}. I gave them my name, drivers license, and social security number and they put it on the newly generated account # ( for the card I didnt have. See it supports I dont have card because I had to give them all this info. ) Since then I have received multiple paper bills about the debt. I have gone online and on the phone to try to pay the bills. At least XXXX times over last few months. Here is the problem ; MY NAME AND PHONE NUMBER IN THEIR BILL PAY SYSTEM IS STILL TIED TO THE OLD ACCOUNT WHICH THEY CLOSED WITHOUT TELLING ME. 
THE CHARGES ARE ON A NEW CARD I NEVER RECEIVED. 


When I call on the phone I give them my name, address, phone number etc, and every time they say : You have no bill to pay. Our records say you have no debt and your account is closed. 
I tell them I keep getting bills and they ask for the card number. I dont have card number bc I never received it. I TELL THEM I HAVE THE NEW ACCOUNT NUMBER ON THE PAPER BILL. The phone representatives always say they can not access via account number. They can only use name, address, social security ( which always comes up tied to old account and {$0.00} owed. ) So I decided to try to pay online. Same issue. To access the system you MUST enter card number ( which I never received ). 
I have tried to contact them every way I can and pay the bill but there is no way to do so in their system. 

KOHLS REPORTED ME FOR NON-PAYMENT. Now I have debt collectors calling me day and night from all sorts of random phone numbers to get money. But they never call from Kohls. Their numbers always come up on my phone as scam likely or hidden number and they tell me to just give them my social security number and bank account number and they will transfer money to kohls from my account. Im not giving my info to some random person on the phone claiming to work for debt company but can not even provide accurate info. Thats how people get identity thefted. 

I have called kohls many times in last XXXX months, with my paper bill in my hand, reading them the bill info, and they still say there is now way to help me without card number, even if I have account number. I have dealing with this for months. 

Please Help.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX NM XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX Account Number : XXXX please update all payment, all payment was made on time XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXXXXXX XXXX  XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2005 XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NM XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX  XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX NM XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

It started after my sisters said they were being harassed by phone for my loan. I did not put them as contacts, so Ally should not reach out to them. When I talked to Ally, they said they have their ways to find familial relationships and their numbers. They violated UDAAP as unfair because they failed to protect my information. I didnt give Ally permission to share that. I called to ask for 2-3 weeks, but Ally said they can only do 7 days. I explained that I do not get paid in 7 days but they said thats all they can do. They were not willing to work with my financial situation. I had no choice but to say yes to 7 days because they said thats how they will stop calling my family or they may discuss repossession.
Consumer complaint received 2023-12-29
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. (MS)

Someone has applied for credit in my name without my consent and my permission. My idenity has been stolen and missused without my knowledge until today when I was notified by XXXX that my credit was pulled by several other companies as well. The companies that pulled for information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking that the fraudlent inquires be removed as I dont recognize them and havent given any consent for anyone to pull my information. Please help me im so lost.
Consumer complaint received 2023-12-29
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2024-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

XX/XX/XXXX - I began receiving requests for payment from Nelnet for a consolidated loan. The problem is I don't have a record that I signed a consolidation loan. Currently, I have not paid on the " loan '' and Nelnet has not attacked my personal credit negatively. The original promissory note states the loan created XX/XX/XXXX was between XXXXXXXX XXXX  XXXX TX  and XXXX XXXX XXXX XXXX XXXX. 

Nelnet indicates we have an agreement for me to pay a consolidation loan related to US Dept. Education. Nelnet has yet to provide the consolidation loan I authorized for repayment. Additionally, any federal student loans have been frozen by the federal government. 
The loan I originated qualified under federal definition for Income-Driven Repayment Loan Forgiveness. See below : XXXX. The original loan is XXXX years old. 
XXXX. The original loan was inappropriately upcharged by a 100+ % origination fee to the student loan need.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX  XXXX Balance : {$4700.00} XXXX XX/XX/2023
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: Experian Information Solutions Inc. (WI)

Hi, I applied for XXXX  to pay for an online course, how ever, before I applied I called & asked them do they report to any of the credit bureaus. The XXXX rep. told me they only report if you are late on payments & when you pay off the loan. So I went ahead & proceeded with the loan, because I did NOT want another account on my credit to lower the score. I have been working really hard for the last 3 years to build my credit & Im extremely close to my goals. Once I received the loan, I called customer service again & asked about payments & again if they do any reporting, a different customer service associate said the exact same thing, they do not report to any credit bureaus. Then on XX/XX/2023 my sore drops on Experian & I see an XXXX account report on my Experian Credit report. I was furious, this dropped my score XXXX points which is a big deal when your are building to buy a home & new car. I then called XXXX  customer service again & The customer service rep. said it must been an error because we only report if you are late on your loan payments & when you pay off your loan, same as the last 2 customer service reps. she transfers me to a manager & the manager says " SOMETIMES '' WE REPORT, " SOMETIMES '' WOW!!! I was like why would I be misinformed 3 times!! & then I get an email that these terms are in my contract, which of course I never seen!! Im disappointed with Affirms customer service associates & the lack of knowledge & their customer service period, I waited so long on hold each time I had to call, all to get LIED TO!! They could of just not reported this loan on my Experian credit report like I was promised, & NOT GAVE ME THE " SOMETIMES '' OF REPORTING! They are unprofessional & need to stop lying to customers! This false info. is hurting my chances of future credit for a home & new car that I desperately need. & XXXX needs to take the XXXX account off my Experian credit! So far I made 2 on time payments, I have shown I'm responsible & credit worthy! I HAVE NO LATE PAYMENTS OR ANY NEGATIVITY ON ANY OF MY CREDIT REPORTS! THANK YOU
Consumer complaint received 2023-12-29
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. (IL)

XXXX XXXX XXXX Account # : XXXX I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain, Per the Fair Credit Reporting Act this is a violation of requisite Metro 2 Compliance reporting standards and I also have the right to a fair and accurate credit report, therefore ant information that is not true, accurate and verifiable is required to be removed. I demand you remove the inaccurate information immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my report showing your compliance with all FCRA and Metro 2 Reporting requirements.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-29
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. (PA)

I am writing to dispute the validity of the credit card debt associated with two accounts on my credit report. I have carefully reviewed the statements and records related to this account, and I believe there are inaccuracies that warrant further investigation. 
Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt associated with my account. Please provide documentation that proves the legitimacy of this debt, including the original agreement and any subsequent amendments.

Discrepancies in Reporting : I have observed inconsistencies in the reporting of this debt to the credit bureaus. I request that you review and correct any inaccurate information that may negatively impact my credit score. 
I kindly request a thorough and prompt investigation into these matters. As per my rights under the Fair Credit Reporting Act ( FCRA ), I expect a response within 30 days of receiving this letter. 

Please provide written documentation of the results of your investigation, and if any inaccuracies are identified, I request the immediate correction or removal of the disputed items from my account. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2023-12-29
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. (MO)

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 XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.