davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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: Nelnet, Inc. (TX)

XXXX XXXX XXXX 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 und
er 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 INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Far 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 XXXXXXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX, # XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-03
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: TRUIST FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX, 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (NC)

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 2023-02-15
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts 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 : XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$140.00}
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (NY)

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 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (FL)

I purchased a car from XXXX in XXXX and their loan company is Bridgecrest Loans and I will give you all information for Bridgecrest, my account number is XXXX and Bridgecrest phone number is XXXX. I was in a hospital, got out and I did informed Bridgecrest and they were ok of me making my payment but they lied to me. They took my car and when I called them Bridgecrest wanted me to pay {$26000.00} in cash to get my car back. Bridgecrest is supposed to help people with poor credit obviously they don't help. Bridgecrest do not have options and now this is at the begining of my loan, I got the car in XX/XX/2022 and they took my car after a month and they got their payments which I am doing a reversal with my bank. It is not in their contract stating if you are one payment behind they will come get the car and actually it is not in their contract at all that I got from XXXX XXXX about being late will have Bridgecrest repo the car. This is not right they don't work with people with bad credit as they stated. They could allow me to make my payment and release the car to me but they want the full {$26000.00} in cash. Bridgecrest lied about their loan program. Bridgecrest received their payments.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Despite the fact that on several occasions I contacted the original creditor directly to resolve this situation, based on identity theft and sending proof of the fraud, the company that purchased the debt LVNV Funding LLC. continues year after year to try to collect this debt and hurt me on my credit report, violating my rights and preventing me from applying for any type of credit, updating the date of the debt every time I dispute it.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (TX)

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 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 2023-06-07
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (NJ)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 account : XXXX  XXXX. Please remove this account immediately.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00}
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOWNE MORTGAGE COMPANY (PA)

I have been banned from paying my mortgage online. I have been with this company since my mortgage was sold in 2021, it has been extremely problematic and inconvenient. They don't respond to emails and when you are on a call you get conflicting information depending on which rep you are speaking to. I pay on time all the time. They were claiming to draft payments on specific dates but they wouldn't and it would XXXX up my banking and how I have my bills scheduled. I sent them a cashiers check as they demanded and then they told me they applied my payment to the wrong loan but have resolved the issue. I get a notification from all of my credit apps saying that my credit had dropped XXXX points. After they applied my payment to the wrong loan they decided to put a late payment on my credit report. No resolution at this time.
Consumer complaint received 2022-12-03
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 sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over 30 days ago!! 

I began trying to obtain a home for my family and was denied due to erroneous information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! 

The bureaus Experian, XXXX, and XXXX are also blatantly breaking the law by taking over 30 days to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g!

The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT XXXX XXXX complaint, a regulation that all bureaus NEED to follow. 

I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXXXXXX XXXX  I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer report!!
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (VA)

I received a letter at my home for an alleged debt owed to XXXX from 2004. I do not owe XXXX any money from 2004. I am currently a XXXX customer. They acknowledge in the letter that if I had owed the money ( which I never did ) that the statute of limitations has run as the alleged debt is very old. Convergent Outsourcing states that if I were to acknowledge this false debt they could then sue me, and if the false debt is not acknowledged they will report this false debt to the Credit Reporting Agencies. I will respond to them via certified letter but wanted you to know about these erroneous false debt collection practices and their duplicity. I have no idea what they are talking about, I have an 800+ credit score. These people are crooks trying to take advantage of people. It concerns me that they are trying to pass off some numbers as my former account number that I have no way to verify.
Consumer complaint received 2022-12-02
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)

In accordance with the fair reporting act XXXX the accounts below has violated my rights Account name : date : XX/XX/XXXX XXXX XXXX XXXX # XXXX {$490.00} Account name : date : XX/XX/XXXX XXXX  # XXXX {$11000.00} Account name : date : XX/XX/XXXX XXXX XXXX XXXX # XXXX {$0.00} XXXX date : XX/XX/XXXX # XXXX {$390.00} XXXX XXXX date : XX/XX/XXXX # XXXXXXXX XXXX XXXX XXXX date XX/XX/XXXX # XXXX {$570.00} ACCOUNT name : XXXX date : XX/XX/XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-20
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. (AZ)

I am unable to communicate to XXXX, XXXX, transunion and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TN)

On or about XX/XX/XXXX of XXXX, I received a phone call from Synchrony Bank that I owed them {$320.00}. 

I explained to them that I had paid the remaining balance on that account back in XXXX of XXXX and closed the account. The account was taken out by my wife around XXXX and upon her death on XX/XX/XXXX I had made every attempt to clear out any balances and accounts that she may have had. 

I called Synchrony Bank on XX/XX/XXXX and made 2 payments by phone. One payment was for a monthly payment and the second payment was also made on XX/XX/XXXX for a payoff balance on the account and to close the account. That was the last time I had any contact with Synchrony Bank. 

I remained at my home until I had sold it in XXXX of XXXX. I moved to another town and had all of my mail forwarded to my new address. During this time I had not received any correspondence from Synchrony Bank about any outstanding balance due. 

It wasn't until XX/XX/XXXX that I had received a phone call from Synchrony Bank saying that I owe then {$320.00}. I told them that they were wrong because I had payed off the balance and closed the account back in XXXX of XXXX. 

They have continued to send me letters demanding that I pay them the money. I have also received letters from a collection agency as well. I have been in constant contact with them trying to get this issue resolved, but after sending them proof of payments on the account in question they still demand that I pay them or they are going to report me to all of the credit reporting agencies for non payment. 

I have sent them and the collection company proof of payment 3 times. I also found that Synchrony Bank waited 6 days to process an ACH payment, which if processed at the end of the work day would have shown that the payments were made in full to the account. By them not processing the payments until the XXXX of XXXX, they may have caused the account to get charged additional interest which it shouldn't have been charged. 

The amount was for {$46.00} but because they never sent me a bill or made any attempt to contact me for over a year and a half, the amount grew to {$320.00}. 

This is an error on their part and I or any other consumer should be forced to pay for their people making a mistake. 

Why is it so hard for a Bank to admit that sometimes they do make a mistake and fix the problem? 

I am forwarding a copy all of the letters and all of my proof that I have paid my debts and that I do not owe them anything.
Consumer complaint received 2023-03-14
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. (FL)

I sent a identity theft affidavit to transunion. And they failed to remove accounts that are not mine and product of identity theft violating my rights under 15 U.S.C. 1681 ] and identity theft victim rights
Consumer complaint received 2023-07-26
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. (TX)

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 ATTACHED LETTERS.
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (NJ)

please remove this inaccuracy from my report 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 2022-10-22
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: EQUIFAX, INC. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

I consider Citibank engaging in XXXX XXXX and fraud due to my XXXX XXXX  and my XXXX and this violates the my XXXX XXXX XXXX XXXX as an XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I also accuse Citibank of denying me benefits ordered by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just had XXXX and go back to work in XXXX XXXX. I asked Citibank for all XXXX cards for payment delay till XXXX. 

XXXX. I asked Citibank for a payment delay due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Order requesting all financial services companies give the victims a XXXX XXXX window to recover and not be charged late fees and start payments in XXXX. 
attached is the Order XXXX signed on XXXXXXXX XXXX XXXX XXXX XXXX XXXX signed XXXX XXXX XXXX XXXXXXXX XXXXXXXX requesting similar disaster courtesy due to XXXX and to allow victims to delay their payments to financial institutions for a limited time. attached Order. 

4. I have a Goodyear credit card # XXXX serviced by Citibank. I called them and asked for the XXXX XXXX delay and waiver of my late fees. They said there is no XXXX XXXX notice anywhere. So I know they are lying because they admitted they provided this courtesy to all of the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

5. I have two Home Depot CC ending in XXXX and XXXX also serviced by Citibank. and asked for similar abatement for XXXX XXXX, They said there is no XXXX order stating there is a disaster! 

6. I have a Brand Source CC with XXXX balance on it that I tried to use to buy a stove and frig for our home. Citibank serviced that card and stated that they closed it because I waited too long to use it. This is an emergency and there is no reason to close this account that I maintained for many XXXX  and paid off promptly.