davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Student Assistance (TX)

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and American Student Assistance loans. My XXXX loans were sold to American Student Assistance in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, American Student Assistance reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to American Student Assistance and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and XXXX report for reference.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXXXXXX XXXX XXXXXXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX 2020
Consumer complaint received 2021-12-14
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. (TX)

I am requesting statements of all of my late payments that are reporting to all of my credit reports. I noticed that I have several late payments reporting that I do not recall. This is negatively affecting my credit score and keeping me from purchasing a home.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Fraudulent account on my credit report. XXXX XXXX XXXX account that is inaccurate and does not belong to me. I added the phone number that the account belongs to XXXX however my number is XXXX. I need this resolved.
Consumer complaint received 2023-01-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc (AR)

As of XX/XX/22. Any medical bill under XXXX should not be collected. 
WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today released a bulletin reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers from certain unexpected medical bills. Companies that try to collect on medical bills that are prohibited by the No Surprises Act, or who furnish information to credit bureaus about such invalid debts, may face significant legal liability under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The bulletin advises credit bureaus that the accuracy and dispute obligations imposed by the FCRA apply with respect to debts stemming from charges that exceed the amount permitted by the No Surprises Act.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

So I have spoken with the debt collector in the past but am unable to pay on it. They have since reported a debt that is over 7 years old on my credit as a new debt. It is showing that it was opened in XXXX of 2019 on my credit report which is not the case.
Consumer complaint received 2023-05-12
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. (MD)

THESE INQUIRES WERE NOT MADE BY ME AND I HAVE SENT THEN SIGNFICANT AMOUNT OF PAPER WORK AND THEY REFUSE TO DELETE THESE ACCOUNTS. 


Hard Inquires Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (SC)

Violations : ( 1 ) 12 CFR subsection 1022.3 IDENTITY THEFT : - I never gave written consent to add any information to my report.

( 2 ) P.L90-321 ( 82 Stat.146 ) states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). - No such agency has requested any information about me.

( 3 ) 15 U.S. Code subsection 1681 c : No adverse item besides the conviction of crimes should be on my report. Any item that is derogatory mark is not allowed into consumer reports.

( 4 ) 15 U.S. Code 1681 c - 2 Block of information resulting from identity theft.

These are the companies that have violated Not just my Privacy Rights- PRIVACY ACT OF 1974 ( 5 U.S. Code subsection 552a ). 

Companies that have violated my trust code. The first one : is Navy Federal. They not only have my information exposed, but They have also reported a negative report without my written consent., along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MA)

someone used my XXXX XXXX XXXX or numbers to charge XXXXXXXX XXXX XXXX purchase that was declined and then charged XXXX dollars on my XXXX XXXX XXXX XXXXn XX/XX/XXXX in XXXX, Texas at a place named XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I used my XXXX XXXX XXXX  at stXXXX XXXX XXXXnd spent XXXX dollars on XX/XX/XXXX. Then on XX/XX/XXXX someone charged my card for the amount that presented above. I made a fraud report on XX/XX/XXXX at the XXXXXXXX XXXX XXXX XXXX  and turned in the card and got a new one. previously before that I was getting XXXXXXXX XXXX XXXX and I think people stole my card numbers on XX/XX/XXXX. previously I noticed this happening before for months and months people taking little amounts at a time but I thought that I might have been mistaken. I filed many reports with the police department of justice and also the dta by misfortune application and in office they put in fraud report. I want to sign up for XXXX for a reimbursement of the XXXX cash I spent for food this month and also get the XXXX food stamps reimbursed because I am XXXX XXXX XXXX XXXX XXXX I have to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked the XXXXXXXX XXXX XXXX XXXX XXXXXXXX afteXXXX XXXX XXXX XXXX  but I was unable to get them also my social security card was stolen as well due to me being XXXX. I was getting extra cash benefits but I don't know why they stopped can you please sign me back yo for additional services. please contact me by email cause I was XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please can you help me obtain my XXXX  benefits and a free phone so I can continue on my XXXX  XXXX. I AM TRYING TO CLOSE MY DIRECT EXPRESS ACCOUNT BUT THE IN IS LOCKED AND I CAN CLOSE IT BEFORE MY BENEFITS ARE ON THERE THE XXXX OF XX/XX/XXXX. I TRY TO CALL DIRECT EXPRESS AND THE SYSTEM KEEP RE-ROUTING ME IN CIRCLES AND I CAN'T EVEN TALK TO AN OPERATOR I NEED ASSISTANCE IN STOPPING THE CARD. I SENT THE XXXX  BENEFITS EMAILS OVER 4 TIMES AND IN PERSON PUT A FRAUD CLAIM ON XX/XX/XXXX AND I AM NOT GETTING ASSISTANCE SINCE THE THEN AND NOW IT IS XX/XX/XXXX.
Consumer complaint received 2024-03-18
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)

This is in reference to CFPB complaint XXXX that was sent to Equifax regarding inaccurate items on my credit report. I do not believe an investigation was conducted due to the response I received. Equifax stated that they were unable to locate a credit file for me which is not true because I have my Equifax credit report downloaded and will attach it to this complaint. I believe that Equifax is sending generic responses and not investigating, or Equifax removed all information from my credit profile which they have done before. Once again, I am demanding the following information to be investigated and removed from my Equifax report. If there is no information on my credit profile then Equifax will be under investigation because as my credit report dated XX/XX/year> will show, that I do have accounts in my name, under my ssn. Update my credit report immediately : XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. DEPTEDXXXX Account Number : XXXX Remove this account from my credit report due to it being over 7 years old. XXXX XXXX XXXX Account Number : XXXX I never had an account with this collection agency and this account does not list the name of an original creditor. This debt was never validated. XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX This is not my account, and the creditor could not verify this information. XXXX has since removed this account. My information was compromised in the Equifax data breach. XXXX Account Number : XXXX You are reporting inaccurate information such as disparities in the High credit limit last reported and date last active. This is a violation of the FCRA.
Consumer complaint received 2022-11-11
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. (OK)

On XX/XX/22 I received an email from XXXX XXXX stating I had a hard inquiry on my credit. I had not applied for anything so I knew it was fraud. Someone used my name, address and drivers license number to apply for a XXXX Bank XXXX XXXX credit card, which I learned this information after I contacted the company and reported the fraud. I also took further actions, one being reporting to Equifax that this was not my application or inquiry. They have already researched and closed the case but have not removed this hard inquiry from my credit report. I am a victim of fraud and want this removed from my credit.
Consumer complaint received 2021-08-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (FL)

XXXX XXXX have reported an account to the credit bureaus that does not belong to me this account was in direct result of identity theft they have been notified of this incident and I filed a police report with the local police department regarding the identity theft and this account!
Consumer complaint received 2023-01-22
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. (MI)

Back in XXXX XXXX of 2022 I opened a credit Builder loan through XXXX XXXX XXXX XXXX. I opened the loan with an initial {$650.00} that was immediately taken out of my account I made my first payment of {$22.00} and they refunded me {$100.00}. The agreement was for every payment I made {$100.00} would be released. I defaulted on the loan but because it was prepaid there is a {$400.00} credit Reserve my account States the {$400.00} was put back into my bank account and on the financial page it reads zero payments were made of {$510.00} make a payment now however, they also submitted the loan to collection agencies and our demanding payment of {$110.00} stating the {$400.00} Reserve paid off the rest of the loan. When this loan was reported to the Credit Agencies my credit score was at XXXX within a month it dropped XXXX points. I have went round and round to no avail I also woke up one morning last month with a {$10000.00} balance in my XXXX XXXX  account also known as my spending account {$50.00} on my credit account {$20.00} on my insta cash account and 10 on my investment and XXXX accounts I wasn't able to access the funds that day I figured they were processing however the following morning when I attempted to use some of the funds they were gone vanish. I called customer service and she said it must have been a glitch this makes me nervous because I had been waiting on some direct deposits and have yet to see any of them. It also appears they have an investment account a crypto account and a round off account that I am unable to access. I know there is money there because I have not made a deposit or an expenditure more than a XXXX XXXX in 3 months and the account would not remain open if that were not the case. I hope that you can help me in this matter I'll be looking forward to your email and I will be looking forward to cooperating fully. I have screenshots and photos of proof if and when you need them.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc. (IL)

I am not liable for this debt with XXXX XXXXXXXX XXXX and don't have a contract with Gate stone & co. International inc . They did not provide me with the original application like I asked. Acct # XXXX
Consumer complaint received 2023-01-22
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. (FL)

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 XXXXXXXX XXXX XXXX XXXXXXXX # 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 2022-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of the South, Inc. (LA)

On XX/XX/XXXX I ended my lease with The XXXX XXXX XXXX per the agreement and vacated the property. In XXXX Delinquent Recovery Associates began contacting me regarding a false debt claim based around an incorrect vacated date of XX/XX/XXXX. 

After notifying via certified letter requesting proof validating this debt and that they cease all communications with me they have only continued harassing me and sending erroneous documents.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The issue is that when Im trying to login to my online transunion account, it never allows me to review my credit report online nor dispute it. Its very unfair to me that Im not allowed to do so and I feel that I am being discriminated against. I do not want my report mailed to me. I want to be able to review my report online and dispute online as well because its cheaper for me and due to my XXXX it will be more efficient. This is a violation of my rights.
Consumer complaint received 2023-01-22
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 — Problem with personal statement of dispute
Company: Southwest Acceptance Finance Co (FL)

Dear sir or madam, I notified XXXX credit report bureau regarding, why my car loan payment, was not being recorded no more and they advise me to notified my lender XXXX XXXX XXXX XXXX in XXXX XXXXAnd I did that, but after the dispute for some strange reason they deleted my file do to the dispute rended, my credit score fell by XXXX points even thou i ve being paying my car loan for the past 2 years on time and it was being recorded every month.Now my credit score fell to XXXX from XXXX, I never aspked the lender to delete my file, they accused me that my dispute cause them to delete my file very rude people, advise me to get a credit advisor .I 'm still making on time payments they refuse to reinstate my file need your help on this thanks
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (MI)

I am using XXXX by Payfare as a checking account with a debit card. Their app is currently no allowing anyone to log in. They have no way to contact support outside of their app. They are denying all transactions with my debit card with an Error XXXX, meaning the card issuer is unavailable. It is unacceptable that I am locked out of all my funds with no one to contact and no recourse.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DISCOVER BANK (GA)

In XXXX of 2022 I became a victim of the so called XXXX XXXX for {$1500.00}. I reached out to the Executive Office of Discover Bank but they denied my claim. I informed them that pursuant to 11 U.S. Code 548, federal law requires funds to be refunded for fraudulent money transfers regardless of voluntary or involuntary transfer. They did not respond back.
Consumer complaint received 2024-03-19
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. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.