davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (GA)

I am deeply shocked and dismayed to discover a fraudulent apartment collection on my credit report. This discovery is not only unexpected but also deeply concerning, as it suggests potential identity theft or erroneous reporting. XXXX action is necessary to rectify this situation and restore the accuracy of my credit history. I have contacted the agency and they can not furnish proof of residency or original documentation with my furnished signature.
Consumer complaint received 2024-01-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WA)

We are going through XXXX XXXX XXXX to help us with our high interest credit cards and the private Navient loan we took out for my husband 's school over 15 years ago. 

We lived in XXXX  when taking out the loan, but have since relocated to XXXX  XXXX. Navient first called me and had our XXXX address on file, so I updated it to our address in XXXX. They were then informed by both me and my husband that we would not be making a payment at that time since we were doing XXXX. 

Since then, they call us both every morning between XXXX and XXXX. We have both told them that we live on the XXXX XXXX and to not call us before XXXX PST, but they ignore us and continue to do so. They also call XXXX times a day to each of us ( for a total of XXXX calls a day for the household ). 

We just want them to stop calling us so early. Asking them not to call us so early has not worked at all.
Consumer complaint received 2023-10-06
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. (TN)

I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork into the credit reporting agencies with my disputes. These disputes have not been processed correctly and I have not gotten copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX HAVE BEEN A VICTIM OF IDENTITY THEFT AND REQUEST FR MY CREDIT FILE TO BE CLEARED OF ALL NEGATIVE ACCOUNTS AND INQUIRES ASAP PER TITLE 15 SUBSECTION 1681 A THROUGH Z PLEASE SEE ATTACHED NOTICE FROM DEFERAL BUREAU OF PRISONS
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are two items on my Equifax credit report that are not mine. I have sent letters and electronically filed disputes with Equifax multiple times over the years regarding these two accounts. The most recent disputes were on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I request for Equifax to validate the debt and send me evidence from XXXX XXXX  and XXXX that the accounts they have listed on my credit profile are mine. I have never received any documentation from Equifax showing that I have ever had accounts with XXXX XXXX  and XXXX, or that I owe the companies money for past credit card debt. I have contacted both XXXX XXXX  and XXXX and they do not seem to have any information about me or any old credit card accounts. I had fraud and identity theft years ago and I suspect that is how these two credit cards ended up on my credit report. The two accounts are : XXXX. XXXX XXXX. Account number : XXXX. XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX The last 4 digits of the account number are : XXXX.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, 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. (AL)

I don't know XXXX XXXX ( Finance ) I strongly believe someone opened this account in my name on the XXXX and I want this to be investigated and remove from my credit profile because I don't remember this name or applying for this account. This information is incorrect and I want it off my credit profile.
Consumer complaint received 2022-12-09
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. (FL)

My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

DELETE THESE ACCOUNTS :
Consumer complaint received 2022-12-09
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXXXX Balance Owed : {$380.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-09
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MS)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-06-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

My roommate and I moved from our previous apartment complex in XX/XX/2023, and the apartment complex levied a debt against us for " damages and cleaning ''. We acknowledged that we may have to pay something when moving, given that we have pets and the complex refused to repair damage we found in the apartment itself so we decided to just pay the debt after reviewing whatever we may get charged. But we never heard anything from the complex itself. 

A few months after the move ( late XXXX and XX/XX/2023 ), I received phone calls from a company called ProCollect Incorporated. After several voicemails with only vague information about what the call was about, I reached out to them to see what the issue was ( XX/XX/2023 ). Upon reaching them, I was informed that the apartment complex I had moved out of had opened an account with them in my name to collect the debt. The amount was for just over {$400.00}, and they claimed it was for damages and cleaning. 

I was told that -- supposedly -- I had been mailed some information to my new address about what was going on, but I check the mail literally every day and never received such a notice. By this time, almost a month had passed since their alleged mailed correspondence ( supposedly sent in XX/XX/2023 ). 

I was asked to send my request for a second copy of this letter via email to the company, which I did immediately. After a few days and no response, I called again to make sure my request was received and to obtain a breakdown of the charges ( XX/XX/2023 ). I was read off the exact same information as I had been in my previous call, and ultimately told to email my request for the charges to the same email, which I did within minutes. 

Two days passed, and I never got a response. I emailed once more to a second email address I found on ProCollect 's website ( XX/XX/2023 ), and when that got no response, I called again ( XX/XX/2023 ). 

I was told that ProCollect believed this debt to be true and valid, but had sent over a request to the creditor and that it could take up to 30 days to hear back. I was also told that my credit would be affected if I did not pay by XX/XX/2023 ( which, by this time was only days away ). In addition, they did not put a hold on that hard date before it would affect my credit even though they admitted to waiting for information from the creditor, and refused to provide me with any detailed information of the charges in writing despite repeated requests. 

ProCollect has been extremely uncooperative in their communications and said my credit will be affected if I don't pay, but refuse to give me anything but vague details. All I ever asked for was a copy of their mailed letter and a breakdown of what the debt is for ( which they rattled off to me over the phone so it's clear they have it ) in writing.
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (TN)

amount in dispute is {$250.00} I reserved a rental truck with XXXXXXXX XXXX XXXX at the end of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I arrived at the XXXX XXXX. There was another person that ahead of me waiting for a cashier/ person /XXXX worker to arrive to work. 
Finally someone arrived ... XXXX has NO car in the entire lot. They person before me couldnt get a car because there was not any cars there to rent. there was only XXXX XXXX which is what I reserved. AGAIN, NO OTHER CARS anywhere on their lot. It was finally my turn, I asked the XXXX worker if that was my vehicle sitting on the lot.. the black truck. She said yes. That was the only vehicle. She tried to do some slick under the table kinda deal. She wanted me to cancel my reservation and give her the money I was going to spend anyway. I refused, I told her that I wasnt comfortable and just wanted to rent the vehicle. She rang me out and I took the vehicle after walking around looking for damage. 
I paid {$350.00} online already .... so I was completely shocked as to why I would be getting a bill for XXXX. Im not sure why someone attempted to rob me of an extra XXXX but I'm not paying for something that I already paid for. Im not paying TWICE. 
I explained this to XXXX and they keep harassing me with correspondence. 
I need them to stop all communication with me and credit off the made up amount of XXXX. I do not owe them any more money and my credit card agreed. thanks
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX ACCOUNT : 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 1666B : A creditor may not treat a payment on an account under an open end and consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-01
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. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I was alerted to an issue with my credit report via the Experian App. When I investigated the issue, a fraudulent account was opened with XXXX XXXX and never paid, so the debt collection was outsourced to XXXX XXXX XXXX XXXX A collections account was added to my credit report and lowered my credit rating. I contacted XXXX XXXX XXXX and they gave me information regarding someone in XXXX, CA using my social security number. The address is not mine and I do not know anyone there. The addresses on my credit reports are legitimate and do not match the XXXX, CA address. I have placed credit alerts and disputed the account with the credit bureaus. The collections account is in the amount of {$1400.00}, placed on my Experian Account XX/XX/2022.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been calling and contacting Bank of America constantly for over 6 months now on this issue and there has been no fix. The answer given each time is different and I just passed around on phone tag until XXXX rep says the issue will be fixed in XXXX hours... but it never is. 
I am unable to set up XXXX on my credit card account which is required to set up auto pay for credit cards for Bank of America ( XXXX system and the only credit card company I know that does this and it is awful ). 
I have had my Bank of America credit card with this issue for about 10 years. I had auto pay set up the entire time and everything was going smoothly. I opened up a checking account at the beginning of this year and everything broke in the system. ALL of my auto pays and XXXX  were canceled and deleted. All of my payment history and payment accounts were deleted. I was unable to enroll in XXXX for MANY months. After months of calling non-stop I finally got to a rep who was able to fix XXXX of the card and said the second card would auto fix after that in XXXX hours... but it never did. I have continued to call constantly for now over 7 months and there is still not a fix. 
The rep that did fix XXXX issue said ( and confirmed many times ) that the problem is due to a old bill pay profile in the system. When I opened a checking account at BoA the system changed me from a " credit card only '' relationship to a " full banking relationship '', but the old profile was not deleted and not transferred. 

The bill pay system is impossible to work with and no one at BoA has the power to fix this and no one is willing to help. Phone reps just pass me around and say wait XXXX hours.. but no resolution. They also say someone will reach out but no one ever calls to fix this issue. 

I am unable to set up auto pay for 9 months and no end in sight. This is very limiting and very risky issue with a credit card. Not allowing a customer to set up auto pay is bad banking practice and should not be allowed.
Consumer complaint received 2023-10-06
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: Experian Information Solutions Inc. (TN)

these inquires appeared on my credit report i know nothing about! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: KLS Financial Services, Inc (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-07-05
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2023, per the FCRA, I notified PayPal Credit that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Consumer complaint received 2022-11-10
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. (TN)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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. (TN)

I sent my letters off XXXX. I told the credit bureaus to '' INVESTIGATE every piece of information '' on the accounts I have listed below. Also I have attached letters I sent out and here is the tracking number XXXX According to the FRCA The term '' INVESTIGATE consumer report '' Means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reportin agencey can not furnish a account without my written instruction
Consumer complaint received 2023-10-06
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OK)

In XX/XX/XXXX I made three promotional purchases using my BestBuy store card issued by CitiBank. The promotions had zero interest for 12 months if the promotional balances were paid by the expiration of the promotion ( XX/XX/XXXX ). Since that time I have made regular, non-promotional purchases that are subject to interest charges. In an effort to pay down my promotional balances before the 12 month expiration, I made extra payments exceeding the minimum payment due on the monthly statement. The order in which Citi applies extra payments is at Citi 's discretion, a term which is buried deep within the terms and conditions of the card and not prominently disclosed. The cardholder must call Citi every month to ask that extra payments be applied towards promotional balances. with wait times to talk to a representative often exceeding 30 minutes. This misleading practice is a way for Citi to entice cardholders to make promotional purchases that will never be paid prior to expiration of the promotional period if the cardholder carries a non-promotional balance. This is a deceptive and misleading practice that is harmful to cardholders who believe they are getting a good deal with no interest for a set period.