davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Credit reporting 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. (FL)

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX My only name XXXX XXXX My only address XXXX XXXX XXXX XXXX XXXX florida XXXX My only date of birth is XXXX My only employer is XXXX  You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Consumer complaint received 2023-11-22
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: Bread Financial Holdings, Inc. (TN)

I hope this letter finds you well. I am writing to bring to your attention some concerns I have regarding the accuracy of the information related to an account with your organization. After reviewing my credit report, I have identified discrepancies in the reported Date Opened and High Credit on the account in question. 

To ensure the accuracy of my credit information and to address these concerns, I am formally requesting validation of the debt associated with the account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and supporting documentation. Please provide details regarding the accuracy of the Date Opened and High Credit, and any documentation supporting this information. 

Furthermore, I would like to inquire about the status of any insurance claims filed in connection with this account. If insurance has been claimed, kindly provide details of the claim and its resolution. 

In addition, I am seeking clarification on whether a Form 1099-C, Cancellation of Debt, has been filed in relation to this account. If so, please provide documentation related to the filing and any relevant information about the canceled debt.

I would like to draw your attention to the importance of accurate credit reporting, as outlined in 15 U.S. Code 1681n. This section establishes civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). It is crucial for creditors to ensure the accuracy of the information they report to credit bureaus, as inaccuracies can have serious consequences for consumers.

Moreover, I wish to highlight 15 U.S. Code 1692e, which prohibits false or misleading representations by debt collectors. Providing accurate and verifiable information is essential to maintaining the integrity of the debt collection process and ensuring fair treatment of consumers.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

There were several fraudulent. Mobile deposits to my account while I was XXXX in XXXX. Along with a lot of fraudulent charges. The bank has now held onto my funds for over a month and I have no access to any of my accounts or funds. In fact they are stating that I am no longer able to do banking services with them, however, have my accounts open. I reported the identity, theft and fraud to all Credit bills, and all resources that were available to me. I also received a letter from the IRS stating there was identity theft. I provided all documents to Usaa but have to receive my funds or reopen my account and I have been with them for over 19 years.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (VA)

XXXX  in the amount of {$240.00} I asked them to provide me with ATTENTIVELY REVIEW my format writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX to COMPLAINT reporting. FEDERAL laws dictate that any and all derogatory or potentially injured reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACts ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
Consumer complaint received 2023-11-22
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: CITIBANK, N.A. (IN)

Today I received a letter from Citi about the disputed charges they have removed from my account. But they have since nearly DOUBLED the amount of original charges. So instead of disputed XXXX charges ( XXXX of which have been refunded ) there are now XXXX charges. 

As artifacts, I am attaching : - the original statements of the disputed transactions. 
- the analysis of the new transactions ( XXXX total ) placed on my account compared with the original transactions ( XXXX total ). 
- the letter from Citi saying that the issue is closed and RESOLVED. 

This issue is NOT resolved.
Consumer complaint received 2023-04-19
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. (TX)

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. 
XXXX  Account # 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 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 2018-05-22
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. (AR)

I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted Experian, XXXX, and XXXX  via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX XXXX XXXX XXXX in the amount of {$550.00}
Consumer complaint received 2016-04-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

Navient refuses to lower my monthly payment on my private loan ( such as lower/no interest rate/lower monthly rate ) so that I am able to pay them while meeting my other obligations. I have already informed them that my income of $ XXXX/month does not allow for nearly any discretionary income, but instead merely pays my bills. My student loan principal has already accrued 50 % interest on top of the original amount, but Navient wants more money ( Currently pay them $ XXXX/mo interest only for a year only and then $ XXXX/mo ) and will not negotiate a more reasonable income based repayment plan.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TX)

MY PHONE & WALLET WERE STOLEN. AFTER STOLEN SOMEONE USED MY XXXX XXXX TOO SEND XXXX $ to themselves TRUIST IS BEING UNFAIR BY NOT RECOVERING THE FUNDS FOR ME SFTER I SUBMITTED A DISPUTE
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (CA)

I am not liable for this debt XXXX. I do not have a contract with that company. I have contacted Experian regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (MD)

As I was reviewing my credit report, I noticed an unauthorized inquiry and inaccurate account that are reporting to my name. I am terrified that someone out there has my information and has been using it. This has been making my life XXXX. My credit has taken a toll due to the reporting of the inaccurate information. I am stressing out that my information is being used without my consent, please help! I want to get this issue fixed as soon as possible. I can not literally do anything with my credit looking like how it is. Please help!
Consumer complaint received 2023-05-04
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/2022.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc. (ME)

On Saturday, XX/XX/XXXX at XXXX was using the Crypto.com App. While using the app, I refreshed the " XXXX XXXX XXXX page and suddenly an option to buy XXXX crypto ( for the amounts you'll see in the screenshot attached ) popped up. XXXX XXXX %! I acted quickly and purchased only {$25.00} knowing thatd still be an incredible amount. The transaction was successful the balance was in the millions! It was so many numbers! I could hardly contain myself! I was thrilled! 

I took the screenshow of the page to show my wife while it was still showing the XXXX % Then went to the account to take a picture of that as well. Thats when i noticed a massive discrepancy. Instead of millions, I received around {$20.00}. " Oh well '' I thought. It was a ton of money. The system was probably still catching up. Thankfully I had the screenshot for support, and could show them that I had just purchased the XXXX XXXX due to my receipt. I'd just explain. 

Having evidence on my side, and knowing it must be a mistake, I instantly contacted Crypto.com customer service. I explained honestly what happened. Showed them the screenshot. They explained that they don't offer refunds, to which I responded that I didn't want a refund, I wanted what I had been advertised. I wanted what I paid for, and asked if they could look at my evidence, and fix the transaction for me... 

From there I have endured lies, harassment, false promises, challenges to take them to court, potential fraud, customer service reps claiming authority to deny my evidence on behalf of the Crypto.com Board of Directors and Investors ... its been a mess. 

I have recorded conversations with Crypto.com customer support which supports every single word I say. I would not go through all of this trouble if I didn't have the truth and the Lord on my side. I request your assistance. Please. 

I have already informed the AG of Maine, the XXXX the FTC, and now you. I have sent the recorded conversations to the AG and XXXX I will send them to you as well, whenever you request such information. 

Currently, I am waiting for someone named XXXX from the Crypto.com Complaints Team to contact me regarding a decision on what Crypto.com will do about this situation. She said it may take up to 15 days, and that worries me. That's a lot of time, and many things can happen between now and then. I am asking for someone to contact them on my behalf and act as mediation. I'd like to settle with Crypto.com privately and compromise. I do not want to go to court if it can be avoided, and I want nothing more than the amount I thought I was going to receive for my {$25.00} investment. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

on XXXX XXXX i got my tax return sent to my chime account for the first time, the funds was deposited into the account without any issues after paying my employees i got a emailing stating that my accounts had been closed. I reached out to chime via email and made several phone calls, i got a response from XXXX telling me i need to verify my identification and proof that the funds was issued to me. i provided my ID and my tax return info. they then later email me saying i violated there terms for deposits and i am not eligible for a refund? ive asked why and ive called, emailed all there support emails and i dont get a response.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (NJ)

The following were unauthorized hard inquiries that were made to my credit report. 

XXXX ( Finance ) XX/XX/2023 XXXX FIN XXXX XXXX Bank ) XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-04-06
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. (FL)

This account is not mines it say its open account thats falling off in XXXX of 2024 XXXX XXXX XXXX is no an open account this is fraud XXXX IS NOT MINES THIS IS FRAUD
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (FL)

Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (AZ)

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 inructions 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 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX 2016 XXXX XXXX XXXX/XXXX reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (KY)

My student loans were previously serviced by Great Lakes. Without my request or consent my loan was transferred to be serviced by Nelnet, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX On Sat, XX/XX/XXXX, at XXXX I was sent an email by Nelnet stating : " Our records indicate that you are currently in bankruptcy, and Nelnet provides this notice for informational purposes only. This communication is not an attempt to collect a debt and shall not be construed as a demand for any payment. '' I attemtped to call and could not get through. 

I am not in bankruptcy and this was a complete error on their part. I want to understand if I am still liable to them for any funds. 

Sat, XX/XX/XXXX, XXXX - A correction notice was sent but this is highly confusing and not a clear resolution to the error on their end. 

I have made many attempts to call but I have been unable due to what they state as high call volume. 

I sent an email to them regarding the issue in hopes of a resolution as I have not been able to get anyone on the phone. 

Thank you, XXXX XXXX
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I am not liable for this debt with charge off, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. This account is on my credit report for more than 7 years and 3 month. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt