davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-06-18
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: ENCORE CAPITAL GROUP INC. (MO)

This company has sold and giving false personal information to XXXX XXXX and its fraud. I did not give my personal info to that company or consent. they are harrassing me. i would like XXXX XXXX XXXX  removed off my report before lewgal actions
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

According to 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. However, XXXX, XXXX, and Experian have failed in their responsibility to fulfill this requirement. They have furnished information that does not reflect my actual credit behavior, which is not only erroneous but also damaging to my reputation and financial opportunities. 
As a consumer, I am entitled to fair and accurate credit reporting under federal law. I have diligently followed the proper procedures to dispute the inaccuracies, but the financial institution 's refusal to correct the errors and the consumer reporting agencies ' lack of thorough investigation have caused significant harm to my creditworthiness and overall financial standing. 
The inaccuracies present in my credit reports include : Outdated information : Some of the reported information is outdated, such as closed accounts being listed as active, which further hampers my creditworthiness assessment. 
Reporting of late payments that were never made : Several accounts on my credit report show late payments, but I can confirm that these instances are incorrect. I have always made timely payments and have records to substantiate this claim. 
I have diligently tried to resolve these issues by disputing the inaccurate information through the credit reporting agencies ' dispute processes. However, their responses have been unsatisfactory and merely result in re-verifications of the disputed information without proper investigation.
Consumer complaint received 2022-10-19
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-01-24
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. (CA)

I sent a dispute to XXXX, XXXX XXXX TRANS UNION on XX/XX/2022, XX/XX/2022 and XX/XX/2022 and still no current record of update or response from any of the credit bureaus for my disputes. My rights have been violated. 
these are the accounts in dispute : XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX and XXXX  acct # XXXX According to 15 USC 1681i XXXX, XXXXXXXX XXXX TRANS UNION shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. I have provided the certified mail receipts for the disputes I had sent to the credit bureaus.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (TX)

I have Expressed to XXXX, XXXX, and XXXX ( not yet Innovis, XXXX XXXX, XXXX XXXX ) on several occasions to remove certain addresses on my report but they have not. I was embarrassed to say the reason but, I have a stalker that has caused harm, and sent threats at my current addresses and previous address ( upon the new residents that stay there ). This person has gained access to my information some how and I am asking that you please remove all addresses from my report and replace it with the po box that I put in the following letters. I have labeled the letters for each company and each letter includes personally identifiable information. Please not that by law you may not furnish any information and or adverse information without my handwritten consent. -15 USC1681 ( b ) ( a2 ) -15 USC1681 ( g ) ( a ) ( 1 ) -15 USC1681 ( c ) ( a ) ( 5 ) Please view the letter which is addressed to your company
Consumer complaint received 2023-11-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (CA)

At XXXX, a friend and I secured an apartment online on XX/XX/XXXX in XXXX, CA. Feeling pressured during the phone conversation with the apartment representative, I hastily signed a lease without a clear understanding of the terms online, as it was my first rental experience. Surprisingly, I never physically visited the apartment despite the necessity of a Guarantor ( my mom ), who, in the end, NEVER signed the lease agreement and it says JOINT. ( SCAM ) In an attempt to cancel the lease due to negative XXXX reviews and the absence of a co-signer, The XXXX XXXX  acknowledged the cancellation and ceased further communication. I did not hear from them. 
After graduating and seeking a new place to live, I faced denial. To my astonishment, an {$8800.00} debt appeared on our ( mom and I ) credit report, sent to collections by XXXX without any notification. 
On XX/XX/XXXX again, I reached out to the creditor with specific requests : The original contract bearing my and my moms signature. 
Confirmation of debt ownership. 
Details of the original creditor : name, address, and phone number. 
( Account # XXXX, XXXX Account XXXX XXXX ) Regrettably, the creditor did not respond to my inquiry. They have destroyed my credit ; I cant even get a credit card. My mom didn't sign anything. 
Many other people on XXXX have reported same dispute for XXXX XXXX XXXX. Scam students to signing and then the apartment not cancelling and the lease and collecting money. 

Account info Account name NATIONAL CREDIT SYSTEMS Account number XXXX Account type Collection Responsibility Joint Date opened XX/XX/XXXX Status Collection account. {$8.00}, XXXX
Consumer complaint received 2024-04-27
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (SC)

I recently reviewed my consumer report and I noticed that there were several inaccurate and inconsistent reported late payments on my account with Sallie Mae that I havent been late for as I have been in forbearance for several years. There were XXXX in XXXX and now they are reporting XXXX late payment for XX/XX/XXXX. They have restricted access to my account and are unreachable in attempting to regain access to my account to correct and investigate these errors for myself. 

In addition to that, late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. 

Under 15 USC 1681 Section 602 states I have a right to privacy.

Under 15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I kindly request and appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

XXXX : Equifax Creditor/Furnisher : Incorrect personal information Bureau : Equifax Creditor/Furnisher : Incorrect personal information Bureau XXXX Equifax Creditor/Furnisher : XXXX XXXX XXXX : Equifax XXXX XXXX XXXX XXXX XXXX XXXX Bureau : Equifax Creditor/Furnisher : XXXX XXXX  XXXX XXXX Bureau : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX : XXXX XXXX XXXX XXXX Bureau XXXX Equifax Creditor/Furnisher : Incorrect personal information Bureau : Equifax Creditor/Furnisher XXXX XXXX XXXX Bureau : Equifax Creditor/Furnisher : XXXX XXXX XXXX Bureau : Equifax Creditor/Furnisher : XXXX XXXX XXXX Bureau : Equifax Creditor/Furnisher XXXX XXXX XXXX XXXX XXXX XXXX Equifax Creditor/Furnisher XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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)

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX XXXX  # XXXX, # XXXX AS well as the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has violated my rights 15 USC 1681 602 A states I have a right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent
Consumer complaint received 2023-07-21
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. (LA)

This company XXXX XXXX XXXX  is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. 

*Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

*Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case in the attachments
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I bought my first home in XXXX when I was XXXX years old. I needed to have XXXX loans on it to purchase it and I really wanted it. I do n't know the reasons why but I had XXXX conventional loan at XXXX 30yr at 7.25 % and a XXXX ballon loan XXXX 15yr at 8 %. After XXXX yrs I refinanced my XXXX loan reasonably. But nobody seems to want to touch the XXXX loan or wo n't touch my XXXX loan. It seams unreasonable for the lending company 's to have a policy that would prohibit the loan from being refinanced.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

In XXXX, I received notices from lenders who declined to grant credit to me even though I never applied for credit with them. They stated that they received my credit information from Experian. This surprised me because I had frozen my credit reports with all three credit bureaus in XXXX. When I attempted to log on my account at Experian to refreeze my report, I discovered the my password didn't work. I believe a hacker took over my online account at Experian and had my report unfrozen and proceeded to apply for credit in my name. On XX/XX/XXXX, I sent a letter to Experian requesting that my report be frozen again. ( I had also previously asked for a fraud alert to be placed on my account. ) On XX/XX/XXXX and XX/XX/XXXX, Experian wrote me and said my report had been frozen. But on XX/XX/XXXX, I received an email from Experian stating that my report had been unfrozen again. I supect the hacker had once again used my hijacked online account at Experian to have the report unfrozen. 
On XX/XX/XXXX, I again wrote to Experian requesting that my report be frozen again and that my online account at Experian be XXXX. Since late XXXX I have received numerous notices from lenders declining credit applications which I did not make. These notices stated that my credit report had been obtained from Experian. I demand that Experian permanently freeze my credit report and permanently disable my online account and prevent any future online account from being established in my name. It appears that the hacker had somehow obtained my social security number and date o birth.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have accounts on my credit report that does not belong to me and need them to be removed this is holding up my process to buy home and here the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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: ALLY FINANCIAL INC. (MN)

Its been over 30 days, and the creditor has not updated information nor provided proof or documentation in regards to a late payment. They have not supplied this information. They must delete the alleged late payments on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report.
Consumer complaint received 2021-04-06
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. (NC)

On XX/XX/2021, I sent letters in regards to the incorrect information that is on my credit profile. I have yet to receive a response and it has been over 60 days. I'm very unhappy that I have been ignored and I have been very patient. It has been a rough time during this pandemic and I am trying to purchase a house for my family but being that there is incorrect information on my credit report it is hindering me from doing so. It has also cost me thousands of dollars each year due to the incorrect information. Being that it has been over 60 days and I havent received a response. I demand that these accounts be deleted. I will not keep waiting and waiting. An investigation should have been done by now, now I NEED the items deleted being that they havent done their job in the appropriate amount of time. I'm very knowledgeable of my rights and if items arent deleted I will be filing for litigation due to all the stress Ive been caused due to being ignored.
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (PA)

I DONT RECOGNIZE THESE INQUIRIES AND THESE ACCOUNTS INQUIRIES XXXX XXXX XXXX XXXX  ACCOUNTS XXXX Date Opened XX/XX/XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX Date XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I purchased a vehicle from XXXX XXXX XXXX in XX/XX/2022. They used Truist bank for financing. I returned the car the following day and my deposit was refunded via check on XX/XX/2022. That car loan of XXXX is still showing on my credit reports as open loan thats financed by Truist bank which is effecting my income to debt ratio. 

I have disputed this with all 3 credit bureaus. I have reached Truist bank and the dealership for past 7 months but this debt is not being removed from my credit file. Its showing as an open loan. Why is XXXX XXXX  removing this from my file? I have messaged them multiple times with documentation.
Consumer complaint received 2023-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

This was a XXXX XXXX  debt which i paid and settled a while back, this was then handled ITEM IN DISPUTE : LVNV FUNDING LLC DISPUTE REASON : Accuracy This account is settled. 
This account is not a collection or charge-off. 

I have repeatedly told them to show me statements as the collection is invalid and also mailed them i dispute this but they have not provided any evidence LVNV funding need to delete this dispute
Consumer complaint received 2023-09-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

Sinchrony bank. 

I have been a loyal customer for many years and have consistently utilized the 0 % interest rate special offered by the Bandsmart card. However, upon reviewing my recent statements, I was surprised to discover that I have been charged a total of {$310.00} in interest rates for this current year alone. This has left me feeling disappointed and questioning the integrity of the promotional offer. 

Throughout my time as a customer, I have always made timely payments and diligently adhered to the terms and conditions of the 0 % interest rate special. I trusted that I would be provided with the promised benefit of a zero-interest rate, and I am disheartened to learn that this may not have been the case. 

I kindly request that you investigate this matter thoroughly and provide me with a detailed explanation as to why these interest charges were applied to my account. I firmly believe that this situation must be rectified, as it is unfair to charge me interest when I have consistently met my payment obligations and relied on the 0 % interest rate special offered by your company. 

I value the relationship I have with Bandsmart and Sinchrony bank, and I hope that we can resolve this issue in a satisfactory manner. I kindly request that you promptly address my concerns and take the necessary steps to correct any errors or misunderstandings that may have led to these interest charges. The attached statement doesn't reflect the new amount been charge for interest rate. 

Thank you for your attention to this matter. I look forward to receiving a timely response and a resolution that upholds the trust and confidence I have placed in your services. 

Sincerely,
Consumer complaint received 2023-09-28
Product: Credit reporting 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)

Account Details : Collections Agency : XXXX XXXX Amount XXXX Background : I had disputed this collections account with the credit reporting agencies, and it was determined that the account should be deleted from my credit report. However, I recently discovered that the same collections account has been re-added to my credit report. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the permanent deletion of the aforementioned collections account from my credit report. I believe the re-addition of this account is unjust and a violation of my consumer rights, and I seek your assistance in resolving this matter as soon as possible.