davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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. (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 XXXX XXXX, Account number : XXXX, has violated my rights. 

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

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 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was a victim of identity thief as well as a victim of the Equifax data breach. My personal information was compromised and misused. There are accounts collections and inquires that are on my report and XXXX and Equifax will not remove them.
Consumer complaint received 2024-03-28
Product: Credit card — Store credit card
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: SYNCHRONY FINANCIAL (CO)

I've been working with Synchrony Bank regarding my Care Credit card since XX/XX/XXXX. When I contacted them in XXXX about the missed payment on my credit report from XX/XX/XXXX, they stated they didn't see it but would look into it once I paid my bill. At the time, I had a balance of {$610.00} out of my {$4400.00} credit limit. I submitted my full payment on XX/XX/XXXX over the phone, and they stated they would remove the incorrect missed payment, but it would take 1-2 billing cycles to show up. 
I reached out to them again on XX/XX/XXXX after checking my credit report to see it was still there, and was told they couldn't find the record of my request. I called again the next day on XX/XX/XXXX because I saw the missed payment on my credit report was moved from XX/XX/XXXX to XX/XX/XXXX, which was still incorrect. I was finally able to reach a representative named XXXX with their escalations team, and he told me he would get it removed. 
The next day, XX/XX/XXXX, I received a notification that my credit limit was decreased from {$4400.00} to {$250.00}. I called them back and spoke with a representative named XXXX. She told me that I would receive a letter in the mail with an explanation, but it was because Synchrony uses a " scoring system '' to determine credit limits. She also stated that if I wanted to increase my credit limit again, it would be a soft inquiry on my credit report. 
Today, XX/XX/XXXX, I have a letter in the mail from Synchrony bank stating " We have received your account in response to your credit bureau reporting dispute.. This serves as confirmation of the account status listed below as of the date of this letter. No delinquencies reported ''. 
I firmly believe that this is retaliation and an unethical practice. I worked tirelessly with Synchrony to have incorrect information removed from my credit report and they responded by decreasing my credit limit by over {$4000.00}, knowing that having less available credit would still effect my credit score. When I got this card in XX/XX/XXXX, it was to pay for a XXXX I needed for my cat. I paid the credit card off, and have used it incrementally for dentist appointments without a single missed payment. The fact that I was actively using the card and paying off my balances without being late has shown that I am a trustworthy client that is still helping them make money off of the interest. There is no other reason that my credit limit was that significantly decreased, the exact same day as I resolved my previous dispute, other than retaliation. This is an unethical, unfair, and predatory punishment, which is why I am reporting Synchrony.
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (LA)

I recently disputed a charge off on my credit report stating that as it was a charge off, it should not be on my credit report as charge offs are considered income according to the law and income can not be reported on my credit report, it must be reported to the irs I received a letter from Radius Global Solutions llc which I will upload. I then called the number on the letter asking them to confirm that they are in fact working for XXXX XXXX. I asked the same question repeatedly and was told that yes they were in fact working for XXXX XXXX. When I asked for this in writing in the form of an email, I was told that the information requested was in the letter, which it is not. 
It just states that the original creditor was XXXX XXXX I have included XXXX XXXX in this complaint because if they indeed sold my debt onto a third party, then they have breached my rights and the words on their own contract stating that they do not sell personal information to third parties
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Dear Sir/Madam : I checked my personal consumer report and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Sincerely,
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have an account with XXXX. Several of my credit cards were fraudulently used to book various hotels in XXXX. 

As I became aware of these charges and actions, I immediately contact XXXX customer service and the hotel itself. I recorded the conversation as evidence. 

I further disputed the charges with my bank, Bank of America, who resolved the issue in favor of XXXX. 

At this point, I am so distraught and in awe because the organizations that were supposed to protect me and confabulating against me and embezzling my hard earned money. Not just my hard earned money but my mothers monies because her card was also charged. By the way, she is a senior citizen. 

I hope you can help me with this matter. Im supplying the transcript of the call for you to review and take into consideration. 

This is amoral and someone needs to do something to protect citizens from these people inflicting pain. 

The federal government has a responsibility and oversight over banking institutions who are abusing their power and creating exploitation mechanisms to get rich. Bank of America has a history of usurping the poor and not protecting the interests of those who they have as customers. I will definitely consider where I deposit my money in the future.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (CT)

I have been banking with TD Bank for over 15 years now and have generally had a very good experience with them. I received an email from TD bank in XXXX of XXXX stating that I was pre-approved for a TD " Fit Loan ''. So I filled out the required webpage info and a few days later I received notice that I'd been funded for XXXX. I viewed this loan as a line of credit type of loan where if I were to use it, I would be charged principal and interest in paying it off, but I had no intentions of using it. A few weeks later I got a notification that my first payment would be do and it was something ridiculous like XXXX a month to service a loan I'd not used one penny of. So once I figured out the scam that TD just assumed people would pay their usory fees to service this bogus loan I called them and said I want to get rid of this ( unused loan / line of credit ) and they then quoted me a payoff amount of something like XXXX. Again, the original loan was XXXX and I didn't use a penny of it it just sat in my account. So then I said to Avant ( the loan service organization that TD hired to sub these fit loans to ) that this was usory and borderline criminal but I just said let me pay this off and close this thing immediatelty. They then swept like XXXX out of my savings account to pay of the XXXX they originally gave me " against the loan '' and unbenownst to me, left a remaining balance that I didn't find out was remaining ( plus a new larcenous interest I fee ) that I was schedule to pay in XXXX increments for the next 8 amount of months as they conitnue to rack up the interest payments. THis evening, XX/XX/XXXX I called TD FIT Loan and asked for a payoff amount and they sent an email and I am sending in what I'm hoping is the final payoff of this loan tonight and I've reemphasized that I want them to close this account out 100 % so we shall see on that one. Regardless, I'm an investment banker and this just seems fraudulent and a misrepresentation at best and at worst missappropriation of TD Banks clients ' money. Please look into this for us consumers. These banks get away with murder.
Consumer complaint received 2022-09-19
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. (TX)

About 7 years ago we got locked into a time share with XXXX XXXX XXXXXXXX XXXX and we sought out help to get us out the transaction. Finally XX/XX/XXXX XXXX XXXX states they will sell the timeshare and close the account. Til this day its still reporting on my credit as delinquent and numerous amount of late payments.
Consumer complaint received 2023-12-14
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)

I recently obtained my credit report on XX/XX/2023, and discovered unauthorized inquiries from the following entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not initiate these inquiries and have no association with the mentioned banks. I promptly disputed these unauthorized inquiries with the credit reporting agencies and am in the process of placing a fraud alert on my credit reports. Your assistance in investigating this matter is crucial to address any potential identity theft or fraudulent activities.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

These are not my accounts and should not be on my credit report. I needed these to be remove right away. 

XXXXXXXX XXXX  XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX
Consumer complaint received 2023-09-19
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. (GA)

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 Number : XXXX Account Name : XXXX  Account Number : XXXX 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.
Consumer complaint received 2023-12-14
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)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/ 2022 and XXXX XXXX XX/XX/ 2022. Please delete these inquiries immediately.
Consumer complaint received 2023-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ASSOCIATED BANC-CORP (NY)

XXXX XXXX Withdrawal ASSOCIATED BANK XXXX XXXX XXXX XXXXXXXX - {$340.00} XX/XX/2023 XXXX Withdrawal ASSOCIATED BANK XXXX XXXX XXXXXXXX XXXX - {$340.00} Only showing 1 payment posted, told me the other one was reversed or their system cant process 2 payments. XXXX stating they sent both payments.
Consumer complaint received 2023-09-04
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. (UT)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX on my reporting credit 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.

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (GA)

XX/XX/XXXX, I received notification from XXXX XXXX XXXX XXXX XXXX in attempt to collect a debt ( original creditor : XXXX  XXXX XXXX  XXXX. ) in the amount of {$1300.00}. I called XXXX XXXX XXXX to address this issue as well as to offer a settlement. I provided the Male Representative with a settlement offer in the amount of {$800.00} dollars, the Representative declined my offer and he stated that he would take {$990.00}. I told the Representative I do not have that much money and I would have to call back. 

On XX/XX/XXXX, I received legal communication from various attorneys ' office regarding a lawsuit being filed against me by LVNV Funding LLC ( collection agency ). I never received any telephone calls or notification about this matter. Nor did XXXX XXXX XXXX contact me in attempt to collect this debt. 

I would like to settle this debt in the amount of {$660.00} dollars. I will make a payment in this amount ( {$660.00} ) to close this account immediately. Thank you for your time and consideration. 

With gratitude, Debt Owner
Consumer complaint received 2024-03-25
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. (NV)

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain auto loans. 

XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (GA)

I am writing to express my deep concern and frustration regarding the unresolved issue of inaccurate negative entries that persist on my credit reports across all three major bureaus. Despite my repeated attempts to rectify this matter, the lack of action on your end is unacceptable.
Consumer complaint received 2023-12-14
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)

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 XXXX XXXX XXXX XXXX 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 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 2024-03-25
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. (IN)

I am writing to follow up my previous dispute about certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies.
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I made a payment of {$1000.00} on XX/XX/2024 to Mohela on my last federal student loan. This payment occurred a few days my student loan transitioned to Mohela 's new platform. The payment was taken out of my bank account on XX/XX/XXXX. The payment never posted to my student loan balance, even after my loans transitioned to this new platform. I've called ( and emailed ) Mohela many times about this issue, but Mohela stated I must wait until after XXXX business days to escalate this issue. After 30 days, I called Mohela. The representative wouldn't escalate my call to a supervisor, and told me the accounting department would look into my issue. I asked if I would get a call back from the accounting department on updates/ or if they would resolve the issue. She told me I would not. I have no faith in Mohela sorting this issue out. They've made me wait an extreme amount of time ( XXXX business days ) past when I made the payment to even begin looking into the issue. I haven't heard from Mohela and the payment has still not posted. The customer service at Mohela is the worst I've ever seen. The wait times to speak with an associate are upwards of an hour to XXXX hours. I almost always am on the phone with a trainee, who has little to no information and can not help. I don't know what to do ; this {$1000.00} was supposed post to my student loan within XXXX business days. It is now nearly XXXX months later and I can not get answers. Finally, I am concerned I am getting charged the interest on the loan that the {$1000.00} would have alleviated. Please help.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (IN)

I had XXXX student loan accounts with the department of education ( Creditor ) Aidvantage which both are paid in full. I took a look @ my credit report they are both open unpaid accounts but in good standings for payment. So when I contacted the Department of Education I was ask to send in paperwork to ( Aidvantage creditor ) through the US Department of Education, of receipts, statements or whatever I had to support my claim.I did that. Then I received an email of how much payment I have to pay. Said I was behind after proof I wasn't. Never processed it. Then when I contacted all XXXX credit bureaus, The have sided with the Department of Education they have not taken it off