davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-07-28
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. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by means the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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. (FL)

There is an account opened with my name/ social security number but NOT my address and is now appearing on my credit report with a balance of {$640.00}. This is not my account. 

I spoke with XXXX from collections in early XXXX and stated I had no knowledge of this account nor the balances associated. The address is not mine, the payment account that was associated is not mine, and as far as I can tell, the phone number is not mine. 

This was supposed to have been resolved at that time, but when I check the latest copy of my credit report, the balance / past due account is still present. 

The address associated shows XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

My student loans were serviced by XXXX. On XX/XX/2023, the loans were paid and the balances were transferred to XXXX. Despite disputing the inaccuracies, Experian continues to report both XXXX and XXXX accounts as open. On my credit report, it appears that I have {$360000.00} in student loan debt. I only have {$180000.00}.
Consumer complaint received 2022-12-20
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. (IN)

In accordance with the fair credit Reporting Act Equifax, 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.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has reported my high balance on my XXXX account was XXXX from XXXX. My account credit limit is XXXX. So it seems that I went over my limit. This caused my score to plummet XXXX points in one month. 
My highest balance was under XXXX and paid off monthly. 
TransUnion told me to contact my credit card complain however the error is on their side. I continue to be out on the middle of this vicious circle of blame. I would just like to have correct information reported.
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2023-07-28
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)

My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2023-07-17
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)

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 accounts 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 accounts : XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please remove ASAP.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

My wallet was lost and was use to purchase fraudulent items that was not done by me. This is a very frustrating moment. And would like a more thorough investigation to be conducted because my card was lost. There was XXXX XXXX transactions in the amounts of {$5100.00}
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy discharged .
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY (MD)

I dont understand what my personal information should be shared with a third party ( collection ) which I dont have to share my information with, my social and address, phone number and thy have all my information without my consent
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (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.

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 2023-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BLINCLOANS, INC. (MO)

I fell behind in my loan due to personal issues and me being a XXXX  mom of XXXX I was notified by the company that I can renegotiate my loan which is XXXX and they will take XXXX XXXX my loan which would be about XXXX I went to apply for the renegotiate and tit still showed my current loan of XXXX without the XXXX XXXX and they were charging me XXXX in Finiance charges which brought the total to XXXX to pay off I called the company to explain to them my calculations how was it that much when my annual rate is XXXX XXXX she didnt say anything until I acknowledged that it was predatory lending and I will be reaching out to file a complaint she then said dont do that it was just a system glitch and that my loan will be XXXX I asked her what the financie charge will be she wouldnt give me an answer said a supervisor would be calling me no one ever reached out I received an email saying my account was past due XXXX which its not only XXXX and wanted me to pay immediately they have now been sending me invoices telling me to pay
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TX)

I have continuously requested to update my credit report with this company and this company will not remove this re-aged collection account that I do not owe. The alleged debt is also time barred in the state of Texas and past the statute of limitations. I have never dealt with this company, bought or paid for services with this company, and they need to cease and desist. The original alleged debt was apparently charged off on XX/XX/XXXX. This junk debt buyer is reporting this alleged debt as an " open account '' and new with them effective XX/XX/XXXX ( 1 yr, 1m ). I have repeatedly requested this to be corrected and this company ignores me. I have disputed this company, asked for verification of the debt, and they ignore me. I need this alleged time barred debt corrected and removed from my credit reports, please.
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

As a Chase card holder, there is this new " benefit '' called stored cards. This is where Chase somehow decides which vendors should be updated when a cardmember has had to change credit card accounts due to fraud, theft or loss. Mind you, the customer has no input into which vendors are on this list - there are vendors on my stored cards list I have only ever transacted with XXXX time. The issue is there is no path or recourse to the customer to REMOVE a vendor which Chase has decided to place on the list. So not only can I not indicate who I would want on this list- if indeed I actually wanted a list of vendors updated about my having to change cards- but there is no XXXX way for me to initiate having XXXX of the vendors removed. I have no idea what criteria Chase used to decide on the vendors, if the vendors were vetted ... no one even asked me if I wanted this XXXX service, but I am forced to have it and am stuck with it and the vendors that Chase decided should be kept aprised of my financial account changes. I not only don't need Chase making these decisions for me, I don't want it but am told there is no way to remove this " benefit ''.
Consumer complaint received 2022-10-17
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. (MS)

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 2023-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

My name is XXXX XXXX. I recently received a check in the mail from the U.S Department of Treasury in the amount of XXXX. It was a Federal Student Loan Refund from the Department of Education. I deposited the check in my Chime acount on Wednesday XX/XX/2023. On Thursday XX/XX/2023 I check my Chime app and noticed that I have been locked out of my account. I received an email from Chime stating that unusal activity of a recenty check deposit requires necessary document requsted from me to be reviewed to unlock my account. I immediately uploaded all requested documents to Chime on XX/XX/2023 after I camed back from a family reunion vacation in Florida. I even took an extra step and Called the Department of Education to verify that the check was intended for me as the recipient. They said YES the check was for me. They sent me an invoice/letter via email for record of confirmation. I forward that email to Chime as well. Everyday I called Chime and no response on how long it will take for them to released my funds back to me. I have a total off {$8000.00} in that account and no way to pay my bills. I am behind on bills and on the verge of being homeless. I filed a compliant with California Financial Protection and Innovation on XXXX XX/XX/2023. My complaint # XXXX. I reached out to the local news and emailed them my situation to see if i can get some help on how to resolve my situation.
Consumer complaint received 2017-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

My mortgage Servicer is Nationstar mortgage. They have Notified me that they are Raising the rate on my mortgage and Increasing my payment almost {$200.00} per month. When I advised Nationstar that they had no authority to do this they claimed that they were the final decision makers on the terms and conditions of my mortgage. I asked Nationstar to give me the name of the person or company that Holds the Deed and Title to my property and to provide documentation from the Deed - Title Holder that Nationastar has an agreement to collect money and change the terms of the loan. Nationstar Mortgage Refused. I have no idea why Nationstar Mortgage is Refusing to provide information to the Homeowner despite multiple requests
Consumer complaint received 2023-04-15
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2023 while at the dentist 's clinic, when I was reviewing the costs of my treatment, the dentist assistant used my available credit on CareCredit from Synchrony Bank, as a reason not to negotiate prices with me. She came over and said I had over " X '' dollars to spend on my card, so no excuse not to do the treatment or pay the full price. The whole dentist office knew how much credit I had available, and they pretty much decided on how I should use it in total disregard with my possibility to pay back such credit card. This was only possible because CareCredit shared my private information.One thing is the merchant getting a charge approved, but knowing how much credit I have available is completely unacceptable.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (OH)

I have only disputed this with the credit bureaus. I do plan on reaching out to the company ( LVNV Funding LLC ) as well but also thought to go on ahead and file a complaint because : this account keeps changing dates constantly and consistently reporting over and over again as a " new '' collection, a recent collection, a just now occurring collection ( dragging down my XXXX XXXX ) and I don't know how or why they can keep doing that.
Consumer complaint received 2023-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Re : TJX RewardsMasterCard AccountNumber : XXXX Account Balance at Time of Sale : {$220.00} Date : XX/XX/23 Dear Synchrony Bank, ( A Dispute Complaint ) This letter is to inform you that the above amount is not my bill. So, I am dispute it. 
I personal visit the store and spoke to the manager and gave her a written statement OVER TEN YEARS AGO. 
The above is not my account of my bill. So, please leave me alone... .This is totally unlawful for you to continue over several years bothering me on an account that not legal my from the start. THANK YOU!
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capio Partners, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-21
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: Avant Holding Company, Inc. (OR)

Credit card account with Avant was paid in full and closed XX/XX/2022. The company sent account to collections company XXXX XXXX XXXX. I have submitted documents showing proof of payment and still receiveing calls and letters attempting to collect on a paid and closed account.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I've been with B/America for over XXXX years. I was a XXXXXXXX XXXX customer since XXXX, B/America bought XXXX XXXX  out and I'm considered a long standing customer for over 38 years. My credit score was XXXX and now it's only XXXX, because I paid my mortgage off in XX/XX/XXXX. Since that date my credit score has continually fallen, because they claim I don't carry a evolving monthly charge or loan amount. This has caused me to miss out on lower interest rates. I recently tried to buy a vehicle and the interest rate was over 7 %. They claim, that XXXX shows no signs of reoccurring monthly charges for the reason of a higher interest rate.