davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (VA)

On XXXX XXXXXX/XX/2023 my XXXX and I entered the Ashley Furniture XXXXStore at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After browsing and finding a bedroom set we liked, we decided to purchase that day. Our sales representative, XXXX XXXX, assisted us with the purchase and asked if we'd like to finance the furniture. We told him that we were NOT interested in a store card, or a XXXX  card of any kind. XXXX assured us XXXX XXXX XXXX times that the financial product offered was NOT a XXXX card of any sort, but an interest-deferred personal line of credit through XXXX bank akin to a car loan or personal loan. This was not the case, and XXXX XXXX mislead the XXXX XXXX XXXX XXXX was selling on behalf of XXXX Bank for Ashley XXXXStore 's and his own personal gain/commission. 

After providing my personal information to XXXX and XXXX XXXX to open the personal line of credit, I started to receive notices of a new XXXX card hitting my credit report In the coming days/weeks, with 100 % utilization at that. I never provided affirmative express consent for opening a new XXXX card with Ashley XXXX. I currently have other cards with far larger limits and better spending benefits I would have used instead had not been mislead by Ashley XXXX and it's employees.
Consumer complaint received 2023-08-28
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My XXXX account was closed in XXXX. I have yet to receive any mail or emails explaining why they are ending banking relationship. They are also holding money in my account and refuse to release until the account is closed but from my understanding the account is closed. I have called numerous times and told different things each time. I'm told that there aren't any notes on my account that explains my account closure. I was told that an intetnal review was done but the XXXX did not leave any notes. This is unfair and I am requesting an explanation. It has been XXXX months and I'm still waiting for my money to be released.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian is not reporting XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) accounts accurate and complete as required by the FCRA. 

XXXX # XXXX not reported on account are : Usage Balance Balance updated date Paid off percentage Credit Limit XXXX  # XXXX not reported on account are : Monthly Payment
Consumer complaint received 2023-10-05
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (NY)

Navient reported 4 late payments to the credit bureaus for the months : XXXX and XX/XX/XXXX ; XXXX and XX/XX/XXXX. Note, I was and am on income repayment plan and my bill was and is $ XXXX. Certainly, I can not be late paying $ XXXX. I reported this to the credit bureaus- they said that they could not remove and only Navient could and Navient confirmed to them that I was in fact late those months and refused to remove the 4 late payments. I contacted Navient directly on XX/XX/XXXX - I spoke with XXXX who insisted over and over that I was not late and that Navient never reported my account late for those 4 months ( or ever ). I insisted that they did since it shows on my credit report and she said that they did not so this so they can't tell them to remove something that they never reported in the first place. I asked if there was a formal appeals process or any avenue to have them look into this and she said no. So, I am stuck with this on my credit report because they are denying the existence of it so I can't appeal something that they say doesn't exist. Can you please help me. They verbally confirmed that this wasn't reported and shouldn't have been reported so there should be some way for them to allow me to do a written appeal at the very least to Navient directly. Thank you kindly! : )
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts : XXXX XXXX services Number : XXXX 15 U.S.C. 1681 section 602 A. States I have privacy 15 U.S.C. 1681 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 that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-10-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XXXX XXXXXX/XX/XXXX, XXXX, approximately around XXXX XXXX, I was notified by text from Capital One through text was I trying to make a purchase at XXXX for an amount over {$1.00}, XXXX dollars. I repied no, and immediately called Capital one. They infomed me that someone was trying to make a puchase at XXXX in my name and card, I asked of them what was the zip code of the location. I narrowed it down to XXXX in XXXX XXXX XXXX in Florida. I immediately called there several times without any response or answer by phone, at the same time this person had call Capital One for approval of purchase on the other end of the phone. Later in the morning around XXXX am, a text were sent to me saying thank you for upgrading my phone number. I immediately logged online to my account and saw the person had placed his phone number as the primary source of contact. I immediately tried to change the number back to my number, but would not allowed me to do so. I at that time also chaned my password to the account. Before this incident, I was informed by XXXX and the the credit bureau that someone had did a hard credit check on my account. I asked who, I was told it was Capital One. I reached out to Capital One and asked why did they do a hard check to my account without my permission and it would lower my credit score. this 2 or 3 days before this incident meaning they authorized and had given this person a credit card. I reached out to Capital One and also asking them for a copy of all documents relating to ths fraudulent transaction. Also please note, before then, about 2 or 3 months back XXXX issue me a new account due to some fraudulent activity. XXXX, XXXX XXXX had to send a scecond card. I immediately start calling all other creditors of possibile identity theft. There was issure with all creditors XXXX, XXXX in which the person upgraded my addred and his phone number on my XXXX account. Also, XXXX XXXX XXXX two accounts was compromise and they were aware of where they had already mailed out XXXX new cards ; XXXX XXXX XXXX, XXXX and also XXXX was informed in which most of the Creditors have already known of the suspicous activity and sent out new cards. XXXX was a closed account but also, notifiying closed accounts as well. Whoever this person is, they seem to have all my information including social security number and more. I explained to the crediors that I needed to place a second and third security code on my account in which it was done. Also, I placed a security code and freezed all accounts with all three credit bureaus
Consumer complaint received 2023-10-05
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. (GA)

On XX/XX/2023 i submitted a letter to the credit bureau disputing all inaccuracies on my credit that i have listed below. The credit bureau completed their investigation verifying the accounts as accurate. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of the information. 

They stated my accounts were verified but how is that possible if they didn't not do a proper investigation according to the law. Also every piece of information of these accounts are still not reporting 100 % Accurate and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have the credit report showing the inaccuracies
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPTEDXXXX # XXXX, Account name : 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 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In XX/XX/2022 a sales representative from XXXX XXXX came to my home. Myself and my VA caregiver husband were there along with the sales representative XXXX XXXX. We both applied for a loan for solar panels. We were told the interest rate would remain the same and payment would stay the same while electric costs would just rise. I did not sign for this loan. The sales representative filled out information for it in the beginning. That is not my electronic signature. I have communicated multiple times to Dividend that this is a fraudulent loan. Even via XXXX. 
They processed the loan despite me telling them and writing to them that for 1, the item the loan was for was ( and still remains ) not fully installed and 2, I never agreed to nor signed for this loan.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

On XX/XX/XXXX, XXXX informed me that my student loans were transferring to XXXX. 

On XX/XX/XXXX, XXXX informed me that the U.S, Dept. of Education had decided there was " no need '' to transfer my loans. 

I applied for PSLF in XXXX of XXXX. I have worked as a XXXX for XXXX years. I completed the application and certified my employment. I have been in contact with both XXXX and XXXX multiple times, as in order for the loans to be forgiven, they must transfer to XXXX as per the Federal government. 

On XX/XX/XXXX I filed a complaint with you against XXXX. They replied, telling me to " be patient '' and " the loans are in transfer ''. This was a lie. 

I am now filing a complaint against studentaid.gov / U.S. Department of Education demanding to know why my loans were not transferred.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (PA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-10-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

From Ashmere collections : account opened in my name at address XXXX XXXX XXXX # XXXX XXXX, FL XXXX and email XXXX in XX/XX/XXXX From XXXX XXXX department : investigation opened, ticket # XXXX, confirmed the address, states the female used my DOB but no other information ( no social, etc. ), states they also opened additional accounts that are under additional people 's names and SSNs as recent as XXXX XXXX, XXXX I am currently a spectrum customer and in good standings. Confirmed service from XX/XX/XXXX-
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (MI)

I was in XXXX  from XX/XX/2021 to middle of XX/XX/2021 and there was charges on my account that I didnt make I sent them a copy of my XXXX from police department so money from those dates should be put back into my account
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (GA)

I initially wrote to Equifax on XX/XX/23 asking for them to remove an account that included multiple inaccuracies, per my FCRA rights. They did not remove nor update the information. I then, filed a complaint here on the consumer finance site and waited for the investigation. As of today, XX/XX/23, Equifax responded that they updated the account to reflect all correct information for the account but they failed to do so again. I contact XXXX XXXX XXXXXXXX whom now holds the XXXX XXXX XXXX account and confirmed that the balance is {$42000.00}. Equifax is still reporting {$5100.00}. This account should be removed immediately.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX in last reported on my credit XX/XX/XXXX. Information they saying accurate is still inaccurate witch means they did not do a proper credit check and update the correct information. I shouldnt have a collection on my report because it was dismissed in a court of law and I have court documents for my proof. I want this removed from my report immediately or I will be filing for a violation of my consumer rights for every violation. This is hendering me and my family. Thats infrenging my rights of privacy.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

This credit bureau continues reporting missed payments against me on an account under XXXX XXXX XXXX XXXX. I have attached a copy of the late payment forgiveness letter I received from the XXXX XXXX. The credit bureau needs to update everything to 'Paid as Agreed '. I have never missed a payment on my credit reports ever.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.