davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My social security number is XXXX on my equifax Credit report theirs is XXXX negative item that's 60 days late the account is a negative item that's fraud I filed a federal trade commission identity theft report on file these items should be removed right away
Consumer complaint received 2023-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

Based on the marketing of American Express, I now have Amex gift cards with {$200.00} each on them and I can not use them anywhere. AMEX is illegally keeping my money from me. They engaged in false advertising to mislead consumers into getting these cards with the promise of being able to use them universally, which is patently false. I can not find a single retailer to accept my gift cards as payment. They are universally declined. I have spent multiple hours speaking with agents on this issue and have only been told that the card can be used anywhere. Further to my dismay, I was told that the website on the back of the card provided to check your balance may or not be a fraudulent website so to not trust that either. These cards need to be discontinued as they are falsely advertised and do not function as viable commercial substance. The never-ending list of companies that will not accept these cards as payment include XXXX XXXX  such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. AMEX simply gets to hold onto the funds illegally by having a product that can not be functionally used. This is totally unacceptable business practice and needs to be dealt with accordingly.
Consumer complaint received 2023-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

I have tried over and over trying to submit this fraud report. This isnt my account and I need this removed ASAP. This is clearly fraud
Consumer complaint received 2023-10-02
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. (CA)

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 name ( XXXX  XXXX ) : # XXXX XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) number XXXX Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX of a 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 2023-02-16
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: EQUIFAX, INC. (PA)

IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN SEVERAL CREDIT INQUIRES THAT IVE NEVER APPLY OR REQUESTED, THIS INQUIRES ARE FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD INQUIRES THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION REPORT HERE ARE THE INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICE XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX CXXXX 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 EQUIFAX MORTGAGE SERVICE XXXX XXXX, XXXX
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

On XXXX XXXX  I saw that my student loan auto-payment hadn't been drawn from my account. I logged onto NELNET and saw that my account was listed as past due, and that an auto-debit payment was scheduled for XXXX. 

I immediately called NELNET to discuss the issue and was informed that this was a " known issue because payments were due on a XXXX XXXX so they could not withdraw the funds, '' however all of my other auto-debits ( rent, credit cards, subscription services, etc ) processed as normal. The rep told me that because payments couldn't be processed on a XXXX, they would be " processed the next business day, ''. When I clarified that today ( XXXX ) was the next business day, I was informed that the payments were being processed tomorrow ( XXXX ), but going forward it would be on the next business day. 

When I asked if there were any negative consequences of my account being listed as past due I was assured there would not be any, however interest is still accruing on these accounts and I am marked as having missed my payment at this time. 

It's outrageous that Nelnet is still completely unprepared to process payments and is marking borrowers as " past due '' when they are the ones at fault for not processing payments.
Consumer complaint received 2024-04-04
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-16
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)

I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to my credit report, the accounts are all follows : XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT  XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX
Consumer complaint received 2023-10-02
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 did not consent, authorize nor benefit from any of the following inquiries. Please Block and remove the followings inquiries from each bureau : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX Dear XXXX XXXX, I hope this letter finds you in good health and high spirits. My name is XXXX XXXX XXXX, and I am writing to you as a concerned customer of your esteemed company. I had been a patron of XXXX XXXX carrying a XXXX XXXX and have always held your services in high regard. 

I am reaching out to you today in a second attempt, to bring to your attention an issue that I recently discovered on my credit report as I am reviewing my profile in debt. I believe this matter requires your immediate attention as it pertains to an entry that inaccurately reflects my financial history with XXXX XXXX. 

Specifically, the issue revolves around a charge off that was paid in full, XXXX of XXXX. However, to my surprise, my credit report continues to state that this charge off remains active as of XX/XX/XXXX. I must emphasize that this discrepancy is not only misleading but also potentially damaging to my creditworthiness. 

Given the substantial impact that credit reports have on individuals ' financial lives, it is imperative that they accurately reflect the financial status of consumers. I trust that XXXX XXXX takes its commitment to fair and transparent practices seriously, and I am confident that this situation can be resolved promptly. 

I kindly request your assistance in rectifying this matter. I believe that a correction to my credit report, reflecting the accurate status of the paid charge off, is the fair and just course of action. Additionally, I request that you communicate with the relevant credit reporting agencies to ensure that this correction is reflected accurately across all platforms. 

I understand that administrative errors can occur from time to time, and I have every confidence that your team will address this issue with the diligence and professionalism that XXXX XXXX is known for. 

I appreciate your prompt attention to this matter. I am confident that, with your support, we can resolve this discrepancy swiftly and amicably. I look forward to hearing from you at your earliest convenience. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

This Company is reporting fraudulent information on my account it has the wrong addresses social security numbers names Ive check on annual credit report and seem inaccurate information code USC 15 1681 supports my concerns that agencies should report accurate information I checked all credit bureaus that this company is reporting false information can you check into this matter please
Consumer complaint received 2022-12-08
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)

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 and Account Name : Dept of Ed/ 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. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL. XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Dear XXXX XXXX, I hope this letter finds you in good health and high spirits. My name is XXXX XXXX XXXX, and I am writing to you as a concerned customer of your esteemed company. I had been a patron of XXXX XXXX carrying a XXXX XXXX and have always held your services in high regard. 

I am reaching out to you today in a second attempt, to bring to your attention an issue that I recently discovered on my credit report as I am reviewing my profile in debt. I believe this matter requires your immediate attention as it pertains to an entry that inaccurately reflects my financial history with XXXX XXXX. 

Specifically, the issue revolves around a charge off that was paid in full, XXXX of XXXX. However, to my surprise, my credit report continues to state that this charge off remains active as of XX/XX/XXXX. I must emphasize that this discrepancy is not only misleading but also potentially damaging to my creditworthiness. 

Given the substantial impact that credit reports have on individuals ' financial lives, it is imperative that they accurately reflect the financial status of consumers. I trust that XXXX XXXX takes its commitment to fair and transparent practices seriously, and I am confident that this situation can be resolved promptly. 

I kindly request your assistance in rectifying this matter. I believe that a correction to my credit report, reflecting the accurate status of the paid charge off, is the fair and just course of action. Additionally, I request that you communicate with the relevant credit reporting agencies to ensure that this correction is reflected accurately across all platforms. 

I understand that administrative errors can occur from time to time, and I have every confidence that your team will address this issue with the diligence and professionalism that XXXX XXXX is known for. 

I appreciate your prompt attention to this matter. I am confident that, with your support, we can resolve this discrepancy swiftly and amicably. I look forward to hearing from you at your earliest convenience. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

in accordance with the fair credit reporting act these creditors have violated my rights. 

XXXX ) XXXX XXXX  account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Bank of America, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) XXXX ) XXXXXXXX XXXX  account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX, account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX/DEPT OF ED, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXX of XXXX Under 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions. 

15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report.

Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (CT)

I AM WRITING TO DISPUTE THE ACCURACY OF INFORMATION IN MY CREDIT REPORT. I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT FROM EXPERIAN AND DISCOVERED THAT THERE ARE ADDRESSES LISTED THAT DO NOT BELONG TO ME. I HAVE ATTACHED A COPY OF MY CREDIT REPORT WITH THE INCORRECT ADDRESSES REFERENCE. ALSO, I NOTICED THAT SOME ELES NAME IS ON MY REPORT. WHICH MAKE MY REPORT INACCURACT. 

( ADDRESS ) NAME : ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXXXXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ) I WANT TO EMPHASIZE THAT I HAVE NEVER LIVED AT ANY OF THESE ADDRESSES NOR HAVE I HAD ANY ASSOCIATION WITH THEM. THIS INCORRECT INFORMATION COULD POTENTIALLY AFFECT MY CREDITWORTHINESS AND FINANCIAL STANDING, AND I AM CONCERNED ABOUT THE POTENTIAL NEGATIVE IMPACT IT MAY HAVE ON MY ABILITY TO ACCESS CREDIT OR SECURE LOANS IN THE FUTURE.
Consumer complaint received 2023-10-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (AP)

My student loans with Sallie Mae have 2 fixed interest rates at 11.750 % and one variable rate that has now reached 14.875 %. I am currently in school trying to avoid the $ XXXX monthly repayment because I can not afford it.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XXXX XXXX my Equifax credit score was a XXXX. On XX/XX/2023 my XXXX XXXX XXXX card was reported to Equifax with a {$30.00} balance. Equifax dropped my score XXXX points which is absurd and has resulted in me getting denials, not to mention hard inquiries for their mistake. I have good credit and there is NO WAY my score should've dropped XXXX points. No way!
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-02
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. (PA)

I am Not liable for these accounts listed XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. Theses account are Fraudulent. 

FTC Report Attached.
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX XXXX. I'm a small business owner that uses Merchant accounts to deduct my business on a regular basis with primarily Chase. The name of this business is XXXX XXXX XXXX XXXX. Recently just did a transaction thru my merchant account with Chase in the amount of 6,000 dollars with a loyal business partner of mines. During the normal time it takes to drop a batch in my account normally takes the next day. However, this transaction is DELAYED only because I did not use the Merchant device, instead it was a online transaction but I have proof of the transaction
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is 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 items 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXance Owed : {$0.00}.
Consumer complaint received 2023-10-03
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. (NC)

This is my OTHER 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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Balance : {$880.00} XXXX XX/XX/2023.
Consumer complaint received 2023-10-02
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. (NC)

In accordance with the Fair Credit Reporting act XXXXXXXX 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