davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (KY)

LVNV Funding, LLC is in violation by federal law of 15 U.S. Code 1692c ( a ) Communication with the consumer generally- 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. I did not give consent. This company in violation of 15 U.S. Code 1692g a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice. I was given a written notice in five days of initial contact. Also this company is in violation of 15 U.S. Code 1692d where states a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Therefore I did not give this debt collector permission to contact nor did this agency was apart of original agreement with original creditor. Therefore the communication is harassment. See attachment.
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (NY)

AS OF XXXX XXXX XXXX  I HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS
account name : XXXX XXXX  account # XXXX	
balanceXXXX
last active date:XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS) (DC)

ChexSystems provides canned answers to my request to correct ( essentially to do their job and actually review and compile a credit report ) my credit report. I tried several time to file a complaint about their missing information resulting in and inaccurate report. They simply won't respond with an actionable answer!
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA (NH)

I opened a GreenSky Financial account on XX/XX/XXXX which was activated on XX/XX/XXXX. The account was given a {$19000.00} line of credit to pay for a home repair. 

The vendor XXXX XXXX, XXXX submitted a fraudulent charge of {$6500.00} on XX/XX/XXXX which I initially declined approval for. I then spoke to the XXXX  who said they accidentally made an internal billing mistake and credited {$6500.00} and they were just re-charging it but that my balance would NOT increase by {$6500.00} as this was NOT an additional charge it was correcting a deduction on their side of the GreenSky system. XXXX  lied and deceived me into approving this request for payment which increased my balance. I do not owe this amount and assert it is a fraudulent charge. However, GreenSky has failed to take any action whatsoever to adjust this amount off of my balance. They have also denied me the right to remedy my claim with mediation and/or arbitration pursuant to their Bill of Rights. 

I respectfully request assistance with resolving the fraud to my account and having GreenSky correct the actual amount owed to my account. I filed my initial complaint with GreenSky back on XX/XX/XXXX and they have had sufficient time to resolve this matter and have failed to do so. I have already filed complaints with the XXXX, FTC and DOJ for Consumer Affairs.
Consumer complaint received 2021-07-30
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. (PA)

The following inquiries are unauthorized I want them blocked and deleted from my consumer report immediately XXXX XXXX Inquiry from XX/XX/XXXX XXXX Card Inquiry from XX/XX/XXXX XXXX Card Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Card Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2017-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have a total of about {$50000.00} in private student loan debt with  Navient. Curre ntly, I have attempted to make manageable payment arrangements to no avail. I have provided them with bank statements, income statements, account information, debt breakdowns and just about any other type of information  one  would need to prove the need for more appropriate payment totals.    Navient  has continuously denied my requests, with most decisions taking them up to 45 days and I only find out about the decision when I call them more than a month after applying. Then, they inform me that it 's always up to the VP of the company and that nothing I could do will change the outcome.   Therefore, I am stuck with bill after bill that " demands '' I pay them over  2.5  times what my income is each month.   I have a family to support and a life to support aside from paying greedy loan sharks. I can not afford to give them all of my income each month while they continue to DESTROY my credit and any chance I might have to find someone to work with me to manage this debt better.     M y credit score has plummeted because of Navient , alone.
Consumer complaint received 2023-10-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (LA)

I previously had Internet service with XXXX XXXX. Couldn't afford the service anymore. I was informed I owed {$240.00} for the devices used for the Internet service. Called them and instructed a sales rep come pick up their device. He did pick it up and informed me there was nothing owed once the device was returned. I received a call from an attorney who stated I owed the amount listed above. I informed her the device was returned. I look at my credit report and the amount they claim I owe has gone up to {$500.00}. I don't owe XXXX XXXX anything once their device was returned.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (CA)

Piggy Back on  Closed File  :  XXXX  In response to your information : -I Called on  XXXX / XXXX /  XXXX   to discuss the fraudulent credit inquiry on  XXXX / XXXX /  XXXX  . After I called and gave private information to your Call Center, I got another hit on  XXXX / XXXX /  XXXX   - from SYNC - I then again called on  XXXX / XXXX /  XXXX   to gather information again to place a extended freeze on the account and when call the same call center to discuss this information, I noticed another fraudulent inquiry on  XXXX / XXXX /  XXXX   - from SYNC - I call again on  XXXX / XXXX /  XXXX   and provide my personal information via phone again and it again I have a fraudulent inquiry on the same day from SYNC I have called other places and provided my SSI number via phone and no issue. But everytime I contact your contact center or SYNC bank directly per your advise to call the creditor to have them close out the fraudulent account, I get a wrongful inquiry on my account that same day or next day. Since it has happened  three tim es in a row, this provides me enough information to believe that somehow their is a breach between   XXXX   and  Syncs tra nsmission of personal and private information. You specifically provided the exact dates I called and if you review my credit report you will see an exact correlation of each time a call has been made and private information provided, a fraudulent inquiry through SYNC bank has been processed either that day or the next day -  Three  times with no gap between day of calling and the immediate result of a fraudelent act. This should be enough information for you to begin reviewing other open files involving SYNC bank and the fraudulent inquiries made and finding a pattern. It seems that everytime someone calls   XXXX   or SYNC and personal information/transmitted between  XXXX  an d Sync , that person private information is misused in another fraudelent inquiry from SYNC again.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm writing this to request the following fraudulent and inaccurate accounts be removed from my credit report for the following reasons listed these are clear violations of my consumer rights the IRS states If your debt is forgiven in collections or discharged by creditors for less then the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. 

XXXX XXXX # XXXX, XXXX  Accounts # XXXX, # XXXX, # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX 15 US 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Producing without lawful authority an identification document or a false identification document ( 18 U.S.C. 1028 ( a ) ( 1 ) ) ; Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority ( 18 U.S.C. 1028 ( a ) ( 2 ) ) ; 15 US 1681 ( a ) and c-2 Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (SC)

I used my aspire card for groceries, paying the bill in full after each use. On one occasion, I had used the wrong card, so I pulled the money in cash from my aspire card. The first pull did not work, so I tried again. I spoke with a rep who told me to try another atm. I did, and successfully withdrew one cash advance. I went to use the card, only to find my card declined. I checked the balance and it said I owed XXXX, which is over my limit. I spoke to one rep, who said my acct was closed due to inactivity. That didn't seem right, so I called in, the sup on duty told me I had to pay the XXXX, and my acct closure was permanent. Still no reason as to why my acct was closed. I spoke with the atm company where the cash withdrawals failed, and they said to file a dispute. I called aspire and got the paperwork. Still no reason for closure. Filed the dispute, and went to check on the status today. Both atm withdrawals that were declined were put back into the acct. Called to inquire again as to why my acct was closed. Told I should have been more responsible. Spoke to the sup on duty, who just kept repeating that it is in the cardholder agreement that they don't have to tell me. If those were fraudulent charges, as a consumer, I would have been being punished, and forced to either pay or deal with the dispute process and hope for the best, while still having no clear answer as to why. Now my credit is going to take a hit, and I still have no answer as to why. The reps were for the most part rude, unsympathetic, and as a whole, had no interest in actually helping me
Consumer complaint received 2022-11-28
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. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account Name XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my rights. XXXX XXXX XXXXXXXX XXXX XXXXXXXX states that I have the right to privacy. XXXX XXXX XXXX Section XXXX XXXX XXXX XXXX also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX XXXX. XXXX XXXX XXXX ( a ) ( XXXX ). 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 accurate.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In XXXXXXXX XXXX XXXX, I began making monthly payments on my student loan, to XXXX my student loan lender. XXXX claims they report to all 3 credit reporting agencies once a month, on a specific day for activity from the previous month. 

I began noticing that the Credit reporting agencies were not updating the balance properly, causing a negative impact to my credit score. I contacted XXXX at the number they provided in a letter, but the number was not a working number. I was able to locate a different number. and after many hours on the whole and speaking to over 4 superviors each month from XXXX to XXXX, I was able to get XXXX to send an update to all 3 of the credit bureaus. 

Unfortunately the credit bureaus still do not show the correct balance on my XXXX student loan account. Equifax still does not show the correct balance amounts from previous months. 

To make matters worse since paying over XXXX my credit score dropped XXXX points with one credit bureau, XXXX points with the second credit bureau and XXXX points with the XXXX credit bureau. All three credit reporting agencies are using FICO XXXX model. 
There is only one FICO XXXX model, why do I have XXXX different scores? Why after paying thousands of dollars on my student loans ( over XXXX XXXXXXXX between XXXX and XXXX ) would my credit score drop so drastically. I tried reaching each credit bureau for an explanation, the only thing they can tell me is that my balance goes into the scoring model and generates a score. 

Every time I make a payment, instead of my credit score going up, it is dropping drastically. This is causing me financial hardship because I am unable to finance a car at a normal interest rate. My mother is XXXX and recovering from XXXX XXXX and XXXX XXXX XXXXXXXX. We need a car to transport her to her medical appointments. It is causing me mental and emotional stress. I need help resolving this issue. 

Currently, there is no Governement oversight or regulations over the FICO XXXX scoring model and its inconsistencies amongst all three credit reporting agencies. 

I need help. please contact me. 

This is causing me a financial hardship.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Investment Retrievers, Inc. (TX)

XXXX Is allowing XXXX companies by the names of XXXX XXXX and Investment Retrievers to report the exact same collection account, They are not complying with U.S. Code 1681 ( a ).
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/2022 ; I was admitted into the hospital for a major XXXX  XXXX. My wife was recovering from an XXXX  on her XXXX XXXX  that took place six weeks earlier. Our joint checking account and debit card with Navy Federal Credit Union was compromised as well as my personal checking account and debit card. Our joint account was hit for over {$1200.00} and my personal checking account was hit for {$380.00}. After recouperating a few weeks, I went through our accounts and noticed a significant amount of money missing. I filed a fraud dispute for both accounts and we were temporarily credited for the losses. We found out that our caregiver who is our nephew used our cards without permission. In XX/XX/2022, the temporary credits were reversed and our accounts debited for the missing money and the reasoning by Navy Federal Fraud was that the cards were present when used. I reiterated my and my wife 's conditions and stated that I was in the hospital when charges were made by my card. Navy Federal Fraud refused to budge and then suspended my debit card privileges for one year despite being a crime victim of debit card fraud. In XX/XX/2022 ; I requested a full review and then never heard back from Navy Federal. On XX/XX/2022 ; I became aware that the accounts under dispute charged off and {$30.00} was taken from my savings account to pay a disputed debt. It appears Navy Federal Credit Union fraud department failed to do a proper investigation and then penalized me by suspending my debit cards for calling them out for not doing a proper investigation. Additionally, if I was responsible for the charges, I would understand the suspension of my debit cards but as a victim of debit card fraud I don't understand why they suspended my debit cards other than for retaliation.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After being informed by XXXX XXXX I have an account at XXXX XXXX  I immediately known it has to be illegal XXXX XXXX  XXXX  scam artist fake XXXX  XXXX XXXX fake SSN numbers XXXX and XXXX on your records and over 30 mortgage loans. He also used fake job titles XXXXXXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX in XXXX. I reported to both and he got fired and under investigation as XXXX and cashed XXXX XXXX  escrow account checks in my name and reported as XXXX with XXXX. XXXX XXXX XXXX. Just discovered claim numbers XXXX, XXXX, XXXX, XXXX and XXXX. Ownership evidence to property XXXX XXXX XXXX XXXX XXXX XXXXXXXX are XXXX  confirmation numbers XXXX and XXXX. XXXX XXXX XXXXXXXX and after CFPB # XXXX XXXX XXXX XXXX XXXX  has announced this is fraud. XXXX XXXX  and XXXX XXXX  has this fraudulent information on record connected to my name.
Consumer complaint received 2024-11-18
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. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-19
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. (WA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2022-11-28
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. 

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 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.