davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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. (NC)

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 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Date opened XX/XX/XXXX Status Account charged off. {$890.00} written off. {$190.00} past due as of XX/XX/XXXX. 
Original balance {$26000.00}
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date opened XX/XX/XXXX XXXX Account charged off. {$890.00} written off. {$190.00} past due as of XX/XX/XXXX. 
Original balance {$26000.00}
Consumer complaint received 2023-11-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (OK)

My university XXXX had a data breach in the summer. I believe i am one of the few who had my information leaked in the summer. The report has now shown on my credit report saying im late on a bestbuy payment. I do not own a bestbuy credit card. The balance on XXXX XXXX XXXXs showing to be {$3100.00} could be more now
Consumer complaint received 2023-10-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2023 I made a purchase for a XXXX XXXX XXXX for {$160.00} on my Kohl 's Credit Card for store pickup. I was unable to pick it up so the item pickup expired within a week on XX/XX/2023. On XX/XX/2023 the store did a return and refunded {$160.00} to my Kohl 's Credit Card. Also at the same time, on XX/XX/2023 the store charge my Kohl 's Credit Card the original amount for {$160.00}. So I never received a refund. Since XX/XX/2023, I have contacted Kohl 's customer support via chat and phone calls numerous times to resolve the issue. Each time, I am force to explain over again the issue to costumer service. I have been told on three occasion that I would receive a letter in the email explaining the issue and a refund will be coming. I was told by customer service that I still need to make the payments to my Kohl 's Credit Card for an item that was never received to avoid late payment charges. Which I did make a payment on already. Last communication on XX/XX/2023 via chat, inquired and had to explain the situation again and inquire about the refund status again. Was told to contact customer service team at XXXX again and to expect a letter in the mail. Never received any letter in the mail and no refund for {$160.00} to my Kohl 's CC for the item I never had in my possession.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I rented a car from XXXX while my car was in the body shop. The rental period was from XX/XX/2023 and the car was returned on XX/XX/2023. I returned the rental car to the body shop on XX/XX/2023 and I understand that XXXX picked up the rental car that same day. On XX/XX/2023 I got a text stating that I was over my credit limit. XXXX had charged my credit card {$670.00}. I went to the XXXX location in XXXX where I had rented the car on XX/XX/2023 and they told me that after a car is returned you have to go through their corporate office. I originally though that the {$670.00} was the car rental cost, My car insurance company paid the cost of the car rental. It took over a week to find out that XXXX had enrolled me in XXXX XXXX fraudulently without my knowledge. I have had an active XXXX XXXX for many years so there is no need to rent a temporary XXXX XXXX. During the rental period I went through a toll on XX/XX/2023 and on XXXX. I had my XXXX XXXX in my hand on both occasions but i found out later that my XXXX XXXX  did not go through because XXXX XXXX XXXX XXXX  was mounted higher. I did not even know that the XXXX XXXX was activated. I am being charged for some thing that I never ordered. The credit card company is aware as I have put in many disputes. I have always paid my bill on time. All I owe is the toll and toll fee which comes to {$30.00}. I am a XXXX XXXX on a fixed income and can't afford to pay {$670.00} for something that I never ordered. I NERVER ORDERED XXXX XXXX. XXXX XXXX IS OVER {$22.00} A DAY. My credit is being ruined because of this. The bank knows I always pay my bills on time. I have already paid the {$30.00} to Capital One. I have a credit card and a car loan from Capital One so they need to treat there customers better. I have sent my XXXX XXXX statements to XXXX but Capital One continues to bill me.
Consumer complaint received 2023-10-06
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I moved out of XXXX XXXX end of XX/XX/2022, and provided my brothers address as a forwarding address. The company did not have accurate balance for me to pay and assured me they would correct it so that I can make a payment. After a months it was still incorrect, as I frequently checked on the community portal. I was told that it's corrected that the balance would be subtracted from my security deposit and that the remaining balance would be sent to me via check. After some time I no longer had access to the portal to follow the balance and I shared this with the company. Soon after that I received a check at my brothers address and assumed the account was resolved considering that I received a security deposit refund. Months later without any bills, statement, or even communication from XXXX XXXX a derogatory reporting came up on my credit report. I contacted the office and was told that they would correct this. They never did and the reporting still remains on my account. I have a printout of our communication showing this unfair reporting was done unfairly. I was sent to collections and reported without ever being sent a bill or being given the opportunity to make a payment. After the reporting and learning what the true balance is I offered to pay it directly to XXXX XXXX as I felt that it was unfair to have to pay a collection agency for something I had no knowledge of but I was refused the opportunity to pay XXXX XXXX and I have been fighting this ever since. PLEASE HELP!
Consumer complaint received 2023-07-24
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. (MD)

This is my first 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 an alleged fraud or extortion. 
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 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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX XXXX and I have been trying to correct inaccurate items on my credit with equifax for quite sometime now I have sent them documents verifying who I am, I have provided them with my address where I have resided for years, there are several addresses on my account to which do not and have NEVER belonged to me. Equifax has been reporting false information and saying they verified false information that has been damaging to me and my credit profile hindering me from a fair credit report which is illegal and should be remedied immediately. I started this process of dispute months ago due to identity theft from previous years when my items were stolen, my items have come up on the dark web several times and I have been fighting to get these things removed and every time they send me something saying they have verified I have asked time And time again for proof of how these items were verified and what information was used to supposedly verify them because there is no way these accounts have been linked to the correct person or verified as accurate and true. I have reached out to the individual companies and they send me back to contact equifax. This company has already been in hot water for reporting false information for breaches of people information so I would like these items fixed immediately. I am providing a copy of my ftc report, a copy of these inaccurate items that they continue to claim they verified which I am seeing now is just pure laziness and refusal to provide people with complete accuracy this company would like to suppress people and prevent them from being able to fix things without having to jump through hoops when these items should have check for legitimacy before they were allowed to ruin my life.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX  Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (NJ)

I applied for a Navy Federal credit card to execute several balance transfers. The promotion they sent me featured and introductory APR of XXXX % on purchases for the first twelve months and no balance transfer fee. After my requested balance transfers were executed, I learned that I would be charged an APR of XXXX  % on the balance transfers I requested. This was not disclosed in any of their marketing material. They mention there's no balance transfer fee, but don't disclose the fact that transferred balances will be subject to the XXXX  % APR.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma (OK)

On XX/XX/23 I went online to an ad that claimed there was a sale on some shoes from the company oncloud. When I placed my order for my daughters shoes it came up with a message declined, but checking my account it showed they took out the money for XXXX. I then tried to contact company at the email and phone number provided by website. The email and phone number was not a working number or email tried to contact company that took the money not a working number. Contacted my bank on XX/XX/23 and to date have not heard anything from my bank regarding issue. When I call my bank they say they are looking into it but have not determined anything yet to just wait until they complete investigation which has been almost 60 days. I provided all numbers and email addresses to my bank to help resolve issue.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 are reporting transactions or experiences on any of my consumer report ( s ). Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

I have continuously tried to call Nelnet to request information regarding my student loans. When I call, I'm faced with long wait times that are never answered by an advisor. I've only been able to get through once and it was in XXXX of XXXX. The advisor, XXXX, advised me to call back closer to when a payment was actually due, which would be XX/XX/XXXX as she did not have any information due to awaiting the government 's decision on student loan forgiveness. After the decision was made by the Supreme Court to not uphold student loan forgiveness, I immediately started trying to reach Nelnet, as my payment was not available on the website. 

Finally on XX/XX/XXXX - I was given a payment amount of {$31.00}. I paid that amount, but tried to call again to make sure that is what I owed and to understand what repayment plan I am on. 

I logged back in not long after and my payment was then changed to {$210.00}. This seemed to be a more likely amount for my loan and what I owed. I made a half payment of {$100.00} on XX/XX/XXXX, preparing to make the other half on XX/XX/XXXX ( with a due date of XX/XX/XXXX ). I called again, to understand this is what I owed and to understand what repayment plan I was on - again, I could not reach a customer service agent. 

I logged in today XX/XX/XXXX to make the other half of my supposed payment, and the payment amount then changed to {$140.00}. I have been on hold ever since trying to resolve this. 

Just like any loan I would take out, I intend to pay it back, but unlike every other loan I have taken out, this has been a very challenging process. I should be able to see my payment every month and when it's due and easily pay it. Not log in several times a month, with the amount changing. The fear of daily accruing interest is also troubling me through this process. It's also very concerning I can not reach a human person to discuss this with. I understand the system is overwhelmed, but I am doing my part and should not be punished for that.
Consumer complaint received 2024-03-13
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. (TX)

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 XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM Experian.
Consumer complaint received 2023-10-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-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  A copy of my Identity Theft Report and proof of my identity .

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block 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 2023-09-20
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. (FL)

I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information. 

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately
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. (LA)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!