davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

I have been repeatedly contacted by XXXX XXXX XXXX, Credit Control LLC, XXXX XXXX XXXX, and XXXX XXXX attempting to collect a fraudulent debt that has already been reported as identity theft to the FTC and the original creditor and removed from my credit report. I have informed representatives of these companies that the account has been reported and confirmed by the original creditor as fraudulent and demanded they cease and desist contacting me and despite this they have persisted in harassing me by mail, telephone, and e-mail.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Pursuant to is uses, Is owe no debt, this company is violating my consumer right to privacy pursuant to is use 1681 b 2 company has also No permission to report any of my information pursuant I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (NY)

i sent a notice of dispute dated XX/XX/year>24 to XXXX XXXX they received the dispute on XX/XX/year>24 tracking number # XXXX i.n the dispute i let them know that there was inaccurate information in my consumer report furnished to paypal credit/synchrony bank from XXXX XXXX without my consent and paypal credit /synchrony bank did not follow reasonable procedures and failed to investigate the dispute its been more then 30 days already
Consumer complaint received 2023-09-08
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$390.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AZ)

I filed for bankruptcy in 2018 and my student loans were supposed to be discharged in it as well. I was making XXXX a year and my student loan debt was XXXX, and I was a single mother of XXXX daughters as well, so I landed in a category that allowed them to be in my bankruptcy. Six years later my student loans have not only been raised three times the amount originally owed but never discharged as well. Now Nelnet states that they sold my loan to XXXX, and I show now on my credit that my student loan debt is XXXX. You get nowhere with XXXX or Nelnet they just pass you back and forth and continue to do forbearance 's while they investigate. My credit is significantly affected by this because the debt ratio is so high, because of the XXXX. I want my student loans to show as they should as paid off. I've also been told that my student loan debt should have been discharged under the XXXX XXXX but still that doesn't reflect either.
Consumer complaint received 2023-09-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

This is in regards to a XXXX XXXX store promotion 1 year interest free with a due date by Synchrony Bank. 
The promotions was expired on XXXX of XXXX. Unfortunate in XXXX XXXX we ware hit by hurricane XXXX devastated ou city XXXX XXXX Fl and other city near by. we ware with no power and water for weeks could not work and had damages. i called and asked for a extension on the promotion they agreed and i paid on time as agreed. down bellow you ill see promotion details and payments. 

XXXX {$3400.00} Purchase date XX/XX/XXXX Deferred Interest/No Interest If Paid In Full by XX/XX/XXXX XXXX {$740.00} Purchase date XX/XX/XXXX Deferred Interest/No Interest If Paid In Full by XX/XX/XXXX XXXX {$480.00} XX/XX/XXXX Deferred Interest/No Interest If Paid In Full By XX/XX/XXXX XXXX Full Payment of ( {$4400.00} ) The Total for all 3 Promotions was made on XX/XX/XXXX. 

a third promotion : Promotional Expiration XX/XX/XXXX Promotional Balance {$720.00} Deferred Interest Charge {$470.00} ( if not paid in full by XX/XX/XXXX Tran Date Description Initial Purchase Amount XXXX XX/XX/XXXX {$720.00} {$470.00} XX/XX/XXXX Deferred Interest/No Interest If Paid by XX/XX/XXXX according to all statement as far as i'm concern i complied to my commitments and my balance on this account should {$0.00} Every month since then i have being getting text messages emails and mailing trying to collect the interest. and every month i call and after 40 to 50 minutes of evaluation they come with the conclusion that my balance should be {$0.00} and will show on the next month statement. that never happened until today. Im hoping your org can help me as i fell i cant do anything else by my self. I have a very good credit score and its not fair if this affect my scores. I feel stressed and harassed every for 8 months.
Consumer complaint received 2024-04-03
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. (NV)

there is incorrect information on my report addresses XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX there is also inaccurate inquiries on my report XXXX XXXX XXXX XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a copy of my XXXX XXXX and XXXX XXXX XXXX consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with XXXX XXXX and XXXX XXXX XXXX they have concluded that the information within my file has been investigated and was indeed verified as accurate by BANK OF AMERICA. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by Bank Of America. On XX/XX/2023 I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (NC)

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 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 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 vears. 15 U.S.C. 1681s-2 ( A1 ) 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 2024-04-03
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. (NM)

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 2023-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX Tried to access mobile banking on Bank Of America app but couldnt login and checked my email and had a message saying I was under {$100.00} which led me to go into a branch. Got there and they looked up my account and told me it was closed due to a suspicious transaction with a grant check that I received which I didnt know was bad and I was scammed. Branch employee and fraud department told me I should receive a check in the mail from the currency that i already had in the account by the end of the week but when I called customer service today ( XX/XX/XXXX ) they told me that the estimated time of closing the account is XX/XX/XXXX and then they would send out a check for the balance I had
Consumer complaint received 2023-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (FL)

One main financial put add on, on my load they didn't want to remove it telling they would add a extra fees if I ever remove it plus I was paying more than what they ask for a month on my loan so I ask them were does that all that extra goes they said they would have return it in a check it never happened they charge me so much fees and lie to me about all those charges I had loan with them in XXXX and in this year XXXX I had to get a company call XXXX to help me with them so I hope this law suit can help me to recover some of my money back
Consumer complaint received 2023-01-04
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. (MI)

i am a consumer by law and my information was misused and now i have this account reporting without my consent, unauthorized use of my credit report
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (CA)

There is XXXX accounts on my credit report that DO NOT BELONG TO ME. I have tried reaching out to the bureaus as well as the furnishers but have received no response back these accounts are not mine again. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2023-06-19
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. (PA)

My name is 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 2023-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One continues to report erroneous claims of a debt via two accounts listed ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have not been verified as accurate and there has been no information furnished to me about the process used to validate the debt.
Consumer complaint received 2023-06-17
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. (MA)

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/XXXX. To date, TransUnion has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 


XXXX  XXXX Account Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} The XXXX  XXXX account listed on my credit report is not mine. I have never opened an account with XXXX  XXXX. Therefore, I request the immediate removal of this account from my credit report. 

XXXX XXXX XXXX XXXX Account Date Opened : XXXX. XXXX, XXXX Balance : {$26000.00} TransUnion inaccurately indicates that the XXXX XXXX XXXX XXXX account was late. I want to clarify that this account has never been late. Hence, I kindly request the correction of this inaccurate information on my credit report.
Consumer complaint received 2024-04-03
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. (CA)

This is my 4th endeavors 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, remove 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, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (IL)

XXXX, Experian, and XXXX continue to report inaccurate information that is damaging my consumer report and causing me harm. 

There are several inconsistencies among the reporting agencies. Please delete the inaccurate information. My name is XXXX XXXX, delete any other name it is not mine. Proof my resident is attached to this complaint as I have submitted the documents several times. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-05-01
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account, 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
Consumer complaint received 2024-04-03
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. (IL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 2023-09-06
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. (IL)

XXXX, XXXX, and Equifax continue to report inaccurate information that is damaging my consumer report and causing me harm. 

There are several inconsistencies among the reporting agencies. Please delete the inaccurate information. My name is XXXX XXXX, delete any other name it is not mine. Proof my resident is attached to this complaint as I have submitted the documents several times. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.