davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

The National Credit Systems contacted me about a month ago and suggested that I settle with the XXXX. I explained to the representative, that due to our medical bills and health issues I did not owe the complex {$2000.00}, XXXX XXXX explained that they were willing to settle for {$1500.00}. I explained to the representative that this was too much and that the complex should be paying me and my husband for the medical expenses that were accumulated while residing in that molded apartment. At the time I offered {$1000.00} to prevent my credit from being affected but this company would not help me. As a result, the National Credit Systems is destroying my credit.
Consumer complaint received 2017-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. This company purchased a debt that no longer exists. There are two accounts, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-02-28
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. (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. 

XXXX / TransUnion / XXXX reported the following derogatory marks Account Info XXXX  : late payments Education Loan/Opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX late payments Education Loan/Opened XX/XX/XXXX XXXXt : late payments Education Loan/Opened XXXX XXXX XXXX XXXX XXXX : late payments Unsecured Loan/Opened XX/XX/XXXXXXXX XXXX XXXX XXXX late payments Unsecured Loan/Opened XXXX XXXX XXXX XXXX XXXX XXXX : in collections Collection/Opened XX/XX/XXXX Guideline/Rights Violated 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.

Fair Credit Reporting Act ( FCRA ) : This federal law regulates credit reporting agencies and ensures that the information in your credit report is accurate. In your complaint, you can cite specific sections of the FCRA that have been violated, such as failing to investigate disputed information, failing to correct errors, or failing to provide you with a free credit report once per year.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 California Civil Code Section 1785.25 ( a ) New Mexico Statutes Annotated Section 57-12-3 ( B )
Consumer complaint received 2017-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (IN)

My wife has 3 subsidized loan at 3.8 % a 3 unsubsidized at 6.8 %. She has giving me permission on her great lakes student loan account and something does n't seem right. She has n't graduated yet but is n't attending right now because we have kids at home. I believe the 6.8 % is to high, and believe that for a graduate student the max is 5.7 but I might be wrong. Can you please give me some advice or direction on this matter.
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

As I already explained in my previous complaint on XX/XX/2023, I have been trying to reach Bank of New York but could not pass the recorded messages. I requested to call back but no one called back. 
In my previous complaint also I requested Bank of New York to give me email address or address to send financial documents and phone number for further communication. Response from Bank of New York does not include requested information. Bank of New York wants me to send financial documents but is not providing the address or email to send. How can I proceed with my case? 
My bank in XXXX XXXX XXXX  XXXX XXXX sent two drafts in my name to Bank of New York which I was not aware of it and I never claimed my money. My money is sitting with bank of New York which I want to claim now. Please help me to connect with Bank of New York. Thank you
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-15
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. (GA)

Equifax has been reporting XXXX XXXX XXXX XXXX on my credit report : I have not authorized this and the company has not confirmed that I owe them. Based on law this should not be on my report. I do not owe this company or authorized anything with them. Please have equifax Remove this within 30 days or issue compensation. Based on 15 USC this should not be on my credit report.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is a follow up on my complaint that you've cloised XX/XX/XXXX. My issues weren't addressed well. I am asking you for your help to have XXXX ( Original Creditor : XXXX XXXX XXXX  with an account number XXXX, date opened XX/XX/XXXX with balance of XXXX. 

The law is very clear as to the civil liability and the remedy available to me for negligent non compliance section 617 if you fail to comply/ I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MI)

Also they call day and night they have added way more then the original debt and continue to even after orig debt was paid they bought it for XXXX dollars and they have now charged me 325 % intreat on this debt which is illegal
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Neighborhood Assistance Corporation of America ("NACA") (CA)

on XXXX/XXXX/XXXX I attended a workshop where I got information about the NACA program on XXXX/XXXX/XXXX I got my first appoitment with a loan officer and she pulled my credit report that I paid. at that time I sent her a completed loan application with my incometaxes for XXXX & XXXX with paystubs, bank statement, purchase contract, prelim rpt and authorization for naca to process my loan.and now nobody is responding to my emails. So in XXXX XXXX Seller told me that a real estate agent is involved and going to help but NACA employee are relutant to provide information about the loan to him. Up to this moment I have not been provided with a good faith estimate or any loan info
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from Equifaxs Data Breach. MY CLAIM NUMBER IS - XXXX. There is information that 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, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESSES. 
XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNTS- XXXX, XXXX XXXX {$1400.00}, Opened XX/XX/2020, MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** BECAUSE I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. 
PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

*** I HAVE BEEN TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX  and an additional six years of one-bureau credit monitoring and identity protection services through Equifax . The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-10-14
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. (TX)

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 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 2023-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

In accordance with the fair credit reporting act Capital One Account XXXX has violated my rights. 

15 USC 1681 Section 602 States that 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 a late for a purpose.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B This is a fraudulent account on my report. 

XXXX. XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2023-02-28
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. (SC)

Hello, This is my 2nd time attempting to have my credit report corrected. I see 3 late payments reflecting on accounts that I was not late for. As a consumer reporting agency you have assumed the vital role and responsibility to report consumer information to the best of your maximum accuracy. I have not been late on payments for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please reasonably re-investigate the completeness and accuracy of these accounts and provide proof with statements showing that you have verified these payments were late. If proof can not be provided please promptly update these accounts to accurately reflect on-time as they should be as I was never late. 

Thank you for your attention in this matter. 

Attached are my Drivers License and SSN for verification
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (CO)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Date opened XX/XX/2022 Account charged off. {$360.00}
Consumer complaint received 2022-10-23
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. (NV)

NOT MY ACCOUNT I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX of your credit limit. 

XXXX XXXX ( Stay below ) XXXX XXXX Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below XXXX XXXX will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2023-05-04
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. (TX)

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, XXXXXXXX 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.
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

During the Covid pandemic ( XX/XX/XXXX - XX/XX/XXXX ), I was furloughed, unemployed & even XXXX  XXXX  twice! I requested lower interest or payments due to the financial strains on my family. I was denied & now have 12 late payments reporting on my credit report. I even requested those be removed, with no success.
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sentry Credit, Inc. (CA)

I was not aware I owed this debt through this collector. I got my credit file this year and saw this. I have not received any communication AT ALL. To top it off the collections " compliance '' manager was completely rude. I do not wish to have them collect me and would rather go to creditor for any imformation.
Consumer complaint received 2023-05-04
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. (GA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/