davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
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: SANTANDER HOLDINGS USA, INC. (CT)

The presence of a derogatory rating on my account is deeply concerning. I am worried about its potential impact on my credit, as it has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

A few years back someone committed fraud on my bank accts. I reported the transactions to the banks as fraud but they denied my claim and made me reliable. Because of this I can not open any major bank accounts. This is making problems for me.
Consumer complaint received 2018-08-03
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: ENCORE CAPITAL GROUP INC. (FL)

We fell into desperate which caused us to fall behind in our bill payments impacting our credit scores to be bad. We have worked real hard to move forward in paying our Bill 's on time and have seen our scores impacted for the positive. We were shocked to find collections added to our credit file from a debt from XXXX which caused a huge drop in our scores. With this being said, creditors are maneuvering reporting just to drive our scores down and making the hard work that we have done to improve our scores to be of non effect. This should totally against the law causing middle class Americans to never get ahead. One young lady has a debt on her account from XXXX which the credit agencies refuse to move. What should be done to create a law to protect us and keep companies from using this tactic hoping for payments. 

XXXX XXXX XXXX
Consumer complaint received 2018-08-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

I am being contacted by Citizens Bank about a private student that was in my bankruptcy that was discharged in XX/XX/2018. When I called back to tell them it was in my bankruptcy the man argued with that private students loans can not be discharged in a bankruptcy, I asked him to stop calling my work number. I told him I would have my lawyer call them back, he told me I needed to give written consent for my lawyer to discuss this matter. I sent written consent but Citizens Bank told my lawyer they needed to have a power of attorney to discuss the matter with them. They have been calling me at my employment number every day even after I told them I can not take the calls, please stop calling my work number. And every action I take, sending written consent, etc they change what they require to have my lawyer tell them this was discharged in my bankruptcy and to stop contacting me about this. They are going to great lengths to avoid being told this is an invalid debt. Its getting ridoulous that this is continuing after they have been informed several times.
Consumer complaint received 2024-05-08
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: Continental Finance Company, LLC (AZ)

My credit card was stolen at the end of XXXX XXXX. I called XXXX XXXX to inform them that there were unauthorized charges and my card was compromised. They agreed to dispute the charges and send a replacement card. I received my replacement card. The charges, however were not disputed. I sent a letter in XXXX as well with a copy of the police report to the XXXX XXXX XXXX XXXX XXXX XXXX XXXXddress. I followed up on XX/XX/XXXX as to why the charges still appeared on my account. The representative transferred me to another department, who could not help me and transferred me back to the original department. Nobody on the customer service line seems to be able to understand that I need to dispute these charges, as they were not mine.
Consumer complaint received 2024-04-08
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. (TX)

I reviewed my consumer reports and I noticed that I had XXXX late payments on an account I was in fact never late on. The consumer reporting agencies have assumed 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 the accounts that I have included screenshots of inside this complaint, on dates XXXX of XXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Consumer complaint received 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional  distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (WA)

XX/XX/year> XXXX XXXX XXXX charged my cashapp {$230.00} for a reservation that had already been canceled within the allowed time frame of free cancelation. This charged overdrafted my cashapp {$140.00} For the past 76 days I have been emailing back and forth between XXXX XXXX XXXX XXXX XXXX & also chatting with Cashapp. XXXX XXXX has been telling me it has already been refunded, they understand my frustration but it has been taken care of as far as they were co concerned on their end & they recommend contacting my financial institution in regard to the refund not being back on my card balance. So cashapp was telling me the same thing, they seen no pending refunds from XXXX XXXX or any other merchant, recommending me to once again contact XXXX XXXX XXXX. Then this afternoon I get a email from XXXX XXXX XXXX with a reciept ( finally after asking approx. XXXX times ) stating my money was voided and the money was to be refunded back to my card. Now cashapp says they can nor help me any longer. I need to wait XXXX days to dispute this. XX/XX/XXXX was 76 days ago. Long over the XXXX XXXX days they say I have to wait. I am so frustrated with this situation. Please help me!
Consumer complaint received 2022-12-04
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: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-30
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. (NJ)

I recently disputed the personal loans account on my credit report, and I received the dispute result on XX/XX/XXXX. Unfortunately, despite my dispute, the account in question still remains on my credit report. I am concerned about the accuracy and impact of this account on my credit profile, and I am seeking further assistance to rectify this matter and ensure that my credit report accurately reflects my financial history.
Consumer complaint received 2023-05-07
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. (MO)

Dispute of Double Reporting I only had one acct with world finance in XXXX  Acct XXXX you have 2 accts on my credit report for the same day and year and amount i only the first office sent me to XXXX XXXX Mo so i think you guys put two Acct but only got one i included my credit report so you can see XXXX the other ACCT number as you can see i got double reported for 2 accts i wouldn't be able to get 2 loans same day please see to credit Agency to delete i will file legal actions also file CFPB against XXXX XXXX i spoke with XXXX XXXX Chief Complaince Officer
Consumer complaint received 2024-04-08
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)

I am writing to dispute the following inquiry listed on my credit report, which I did not authorize, and request its removal in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681e : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Please have this unapproved inquiry removed from my credit report within XXXX days, as its presence is adversely affecting my ability to obtain new credit. Additionally, I kindly request a copy of my credit report once this issue is resolved. 

As per the FCRA, consumer reporting agencies are required to maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. This unauthorized inquiry violates these provisions. 

I expect prompt action to rectify this matter within 15 days and appreciate your cooperation in resolving this dispute swiftly. Enclosed with this letter are copies of relevant documents supporting my claim.
Consumer complaint received 2023-04-22
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: DISCOVER BANK (MA)

Discover Bank reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

Discover Bank did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX & XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that Discover Bank wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.
Consumer complaint received 2024-04-08
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. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX - XX/XX/XXXX {$470.00}
Consumer complaint received 2023-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

On XX/XX/XXXX I made a {$35.00} payment towards my XXXX XXXX XXXX in order to make the new balance {$4300.00} even. On the XXXX of XXXX, my Credit union ( XXXX ) CLEARED the payment from my account. Account XXXX XXXXXXXX, Transaction ID XXXX XXXX. As of today, XXXX XX/XX/XXXX, NELNET still has not issued the credit to my balance. I have contacted them multiple times, they claim the bank did not process the transfer. The bank has twice confirmed they made the payment. I have requested from NELNET the contact information for their regulatory agency and legal department, they refused to provide either. I can not trust electronic payment system at this time and have notified them that no further payments will be made until this payment is credited. They insist the issue is with my bank and I need to make the payment again. The account with NELNET is on Covid pause so it is not gathering interest, at this time. But {$35.00} is still {$35.00} cents, and NELNET has a history of not properly managing my student loan accounts. 

I am attaching written letters sent USPS, I have several emails between myself and them and my financial institution as well as two phone calls. 

An internet search provided your information as the Federal Regulating Authority.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am not liable for this dept with XXXX XXXX XXXX ... XXXX. 
I do not have a contract with XXXX XXXXXXXX XXXX.. They did not provide me with the original contract as i requested.. It has been over 90 days...
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I HAVE CONTACTED XXXX, TRANSUNION, AND XXXX, REGARDING FRAUDULENT INFORMATION REPORTING TO MY CREDIT REPORT. I HAVE SENT IN MULTIPLE POLICE REPORTS, AND THE CREDIT BUREAUS HAVE NOT DELETED THESE ITEMS WITHIN 4 BUSINESS DAYS OF RECEIPT OF THE INFORMATION, VIOLATION SECTION 605B OF THE FCRA. THIS INFORMATION HAS BEEN VERY DAMAGING. I HAVE ALSO REQUESTED ORIGINAL WET INK SIGNATURE CONTRACTS PURSUANT TO SECTION 609A OF THE FCRA. XXXX HAS STATED TO ME THAT " CREDITORS '' DO NOT NEED TO SEND IN VALID PROOF ( ORIGINAL WET INK SIGNATURE CONTRACT ), which is not lawful. I negotiated with the representatives as well as sent in supporting documentation regarding XXXX, XXXX XXXX, XXXX XXXX, as well as sent in my FTC report from the FEDERAL TRADE COMMISSION. I am rquesting that these accounts are DELETED PERMANENTLY in a timely manner. THESE BURUEAS HAVE NOT RESPONDED AND PROVIDED THE PROPER DOCUMENTATION WITHIN 30 DAYS. 

XXXX # XXXX {$13000.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXX # XXXX {$4100.00} I HAVE CONTACTED MY ATTORNEY WHO IS PREPARED TO BEGIN A LITIGATION PROCESS SHALL THESE ITEMS NOT BE DELETED WITHIN 4 BUSINESS DAYS. FAILURE XXXX COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING UNVERIFIED/FRAUDULENT INFORMATION TO MY CREDIT FILE.
Consumer complaint received 2024-04-08
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2023-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlas Collections Inc. (of New Castle) (IN)

I was noticing by paychecks from work were not right..Come to find out I was being garnished XXXX an hour. of my check by Atlas Collections ACI out of New Castle Indiana for medical bills that occured when I was XXXXXXXX  and was almost stomped to death by XXXX XXXX.This happened in XXXX..I never went to court or was able to dispute this debt and they just started taking {$210.00} a week I make a little over {$17.00} an hour..I am almost forced to quit my job after turning my life around..A Judge out of XXXX XXXX XXXX XXXX XXXX signed document allowing this..Something is not right and this debt should be out of date if not unlawful..Please help me, I dont wan na quit my job, I just turned my life around recently and dont wan na throw it away
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MA)

XX/XX/2022 Received notification that apartment leasing company had reached out to I.Q. Data International , Inc. about a supposed amount of rent still due. They have the move out date incorrect. 
Responded to that letter on XX/XX/2022 indicating that I was disputing the debt and the amount owed was incorrect. I had actually overpaid final rent bill. 
XX/XX/2022 Received letter from I.Q. Data that did not address my request for information and even though the debt was being disputed they contacted the credit bureaus dropping my credit score by XXXX points. 
I have provided them documentation that the correct move out date was XX/XX/2022. I.Q. Data will not return my call and have not provided documentation that the debt is paid, nor have they corrected this with the credit bureaus.
Consumer complaint received 2024-04-08
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. (RI)

Delete hard InquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccordance 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 tem 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 ) ( a ) 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. 
Delete the accounts below.
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX XXXX XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX XXXX XXXX with the account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX has no standing at law against my superior title and ownership over the principal ( XXXX XXXX XXXX ).
Consumer complaint received 2022-10-24
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 XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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.