davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

I have had an XXXX store card through Synchrony bank for roughly 7 years. 

Starting recently, the number that they send verification codes to when I log in is _not_ a number associated with my account so I am unable to log into my account and verify recent purchases. 

Most recently, I called about the issue today, XX/XX/XXXX at XXXX PM Central time but i have called in the past about this as well. 

The customer service representatives : * Verify that the correct phone number is associated with my account * Tell me that they use phone numbers from credit bureaus, so I have to correct it with the credit bureaus * They can not tell me _which_ credit bureau is reporting the misinformation I have checked the major 3 bureaus ( XXXX, XXXX, and XXXX ) and none of them have incorrect data. At one point a customer service rep gave me a different bureau to check, but i can't remember that name either and it only had the correct information anyway. 

I am unable to resolve this issue. They will disable two-factor authentication on my account, but that only gets me in once and then it eventually gets turned back on
Consumer complaint received 2023-06-14
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. (MD)

I am exercising my right under the Fair Credit Reporting Act, 15 USC 168a2 to request information regarding items that is listed on my consumer credit report.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, in fact therefore exists. The bureaus continues to tell me they have investigated the items and they will remain and havent sent me any proof on how the items were investigated, who was the contact person or any other information Im asking for. My inaccuracies havent been throughly investigated so therefore be deleted
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I have absolutely no knowledge of these hard inquiries, 1. from CITIBANK BEST BUY ( Television & Radio ) Date : XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( BANK ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC (TX)

Loan was taking out by ex-partner without my consent and then stolen by them from my account without my prior knowledge. I then closed bank account and opened a new one. To prevent them from having further access.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

after reviewing my credit report i was able to identify multiple accounts that are still reporting due to fraud / identity theft. I submitted FTC identity theft reports affidavit written statement proof of identity with proper documentation and Equifax continues to report fraudulent accounts to my credit report.
Consumer complaint received 2023-02-26
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. (NY)

I applied for conventional home loan and got a report from loan company with all inaccuracies which hurt so much. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and According to 15 U.S.C 1681e [ b ] and 15 U.S. Code 1681 [ 5 ] these accounts are in violation of not reporting 100 % accurate. Definitely a defamation to my person. 
The reporting agencies stated that these accounts were properly investigated and came back as verified. However, this is not true when there are several inaccuracies showing 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
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (NY)

There is a collection agency called The Bureaus who are trying to collect a debt from XXXX XXXX, that is not my debt. I have sent numerous letters to this company as well as to XXXX and XXXX where the debt shows as a collection. Debt is dated XXXX XXXX. This is not my debt and this collection is hindering my credit. No letter were received in return from the Bureaus or the credit Bureaus., This debt is not mine and is from a result of fraud., the address associated with this account is also not mine.
Consumer complaint received 2023-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kirschenbaum & Phillips P.C (NY)

I was served notice on XX/XX/XXXX regarding a debt held by XXXX XXXX, XXXX in the amount of {$8700.00}. Their attorneys are Kirschenbaum & Phillips, P.C. They contacted by me phone in XXXX regarding this debt. I called to discuss this debt as it dates back to XXXX  with XXXX XXXX and this debt and all my debts were discharged with my XXXX  XXXX bankruptcy filing in XXXX. During my phone conversation they told me they have no record of this filing and when I told them the statute of limitations has expired they told me there was no statute of limitations regarding consumer debt. They have filed a complaint in the city of XXXX XXXX, NY and they had filed the same complaint in XXXX. 

I faxed Kirschenbaum & Phillips, P.C a copy of my XXXX  discharge in XXXX after my conversation with them. 

This is harassment and I need them to stop.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (OH)

Once again I have paid off hundreds of dollars of merchandise on credit and all three Experian, XXXX, and XXXX have not reported the great work pertaining to my credit. I have the paperwork to prove it as well. I have paid off hundreds of dollars of equipment on credit with the company XXXX XXXX XXXX and it doesn't show on any credit reports.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All   XXXX   credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.
Consumer complaint received 2024-06-10
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (OR)

I requested a refund by check by XXXX, who instead provided a pre-paid card for cancelled services. I attempted multiple times to initiate a transfer of funds to my bank account from the Northlane website, which administers the card, and the website always timed out with an error. I put it off for some time, then attempted the same process again seeing that Northlane had updated their website and changed names, and noticed that {$12.00} in fees had been taken out of my account. 

I never agreed to these terms and I was unable to initiate a transfer in a timely manner, which I explained to the company, and they have so far refused to initiate a refund on the fees taken wrongfully from my card. I was able to initiate a balance transfer in the new website for the remaining balance on XX/XX/year>, which they are now using as justification to not provide a refund to me of the fees taken.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was wrongly charged by a pizzeria on XX/XX/year>. The next day I called Capital One to request a refund of the amount, the same was credited to my account but 30 days later I was charged with the claim that there was no refund authorized by the restaurant and that I should contact them. I tried for several days to call or find the website or address of the place without any success. I explained that it was a company without the capacity or availability of access for customers. I was ignored and charged XXXX for a service that I did not receive and I had to pay my bill which was higher than planned for the month, causing me to lose points on my credit score. I just want my money back, that's all.
Consumer complaint received 2024-05-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Chase ilegally withheld my interest on a certificate of deposit that I openned in XXXX and matured in XX/XX/XXXX No amount needed to be withheld since I am not required by the IRS whoever Chase without my consent withheld my interest and they havent returned it to me. 
Its an illegal practice and while its not being resolved escalation to other government agencies will be submitted.
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-02-26
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. (OR)

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  XXXX : # XXXX, 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 XXXXXXXX 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.

I did not grant permission for any of these accounts to be on my credit report.
Consumer complaint received 2017-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I took out a  XXXX  loan with Navient my freshman year of college. I 've so far paid {$4500.00} and I still owe {$1600.00} according to Navient. That make 's no sense when my interest rate is set to 4.25 %. Someone please help me with this as I 've been paying and paying and the compounded interest does not seem right whatsoever.
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I cancelled my subscription with XXXX. I fulfilled my contract with them. I return all of my equipment as per there request. I was told by an XXXX feller that I owed them XXXX since I cancelled XXXX day into the following month which was not a problem. The months that followed they sent letters to me. One of them said I owed over XXXX XXXX XX/XX/XXXXanother one said I owed over XXXX XXXXXX/XX/XXXX and another said over XXXX XXXX. 
No one at XXXX knows what's going on. If they would have seen that I cancelled one day into the next month and looked at the note that the XXXX feller wrote there would be no problem. 
A company named XX/XX/XXXXXXXX XXXX XXXX # XXXX put this report in. 
There address is XXXXXX/XX/XXXX, XXXX XXXX, XXXXXX/XX/XXXX XXXX Phone XXXX XXXX Says I owe XXXX
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (MA)

They sent us a notice that we had under paid into our escrow account. According to our record we paid the request amount they keep saying we under paid. We ask them to provide proof where we under paid the provided none. We have requested time and again and they keep saying we under paid but offer no proof where the under payment they claim came from. {$8000.00} dollar minus showed up and we have no idea where it came from. We have since reduced our taxes through the town of XXXX Ma and we reduce our insurance payment by a {$1000.00} and they still claim we are under paying. They have no proof for the {$8000.00} dollars. My wife and I are in our XXXX ' and they offer us nothing.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022 I received XXXX packages in the mail from TD Bank. I opened XXXX packages and inside were XXXX separate checking accounts that were opened in my name at TD Bank. This was fraud because although my name was accurate, the phone number listed on the checks was not. I never opened these accounts. I reported it to " XXXX '' in the fraud department at TD Bank and he told me to contact the FTC and the SSA. I have already frozen my credit reporting agencies. I have never had an account at TD Bank.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Transunion and XXXX  previously and asked them to remove this account from my report as it does not accurately state any information at all. 
I have notified XXXX as well as XXXX XXXX County of this reporting and both state that they do not report to any credit bureaus and that they are falsely reporting this information. 
Each time I have reported this and made a complaint, it is closed with no real investigation. 
You are violating my rights by reporting false information. 

Please remove this account from my reports.
Consumer complaint received 2023-04-05
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. (TN)

on XXXX sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.
Consumer complaint received 2023-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (TX)

The case number of my complaint with Affirm.com is XXXX. 

On XX/XX/2023, Affirm.com asked me to paid {$510.00} as a downpayment to get a loan number XXXX for the total amount of {$1000.00}. The loan was finally cancelled because I never received the product ( airline tickects by XXXX ). 

From that moment I tried by many ways to receive the money for the downpayment back, according to the deal between Affirm and me, but I don't have my money yet neither a feedback about the status of my refund. I have been trying to get some help with my XXXXXXXX XXXX but Affirm lied to them and didn't pay attention to my Bank ' complaint. My bank putted hands away because I have to do this by myself. I used Affirm @ help and other email to claim my money but they never respond to me. Every time I call to Affirm call-center, the person who answer said that they don't have any money from me, there's not info on my record. I'm desperate because I need the money to pay my bills and I don't understand how Affirm is stealing my money with no consequences. 

I need to recover the amount of {$510.00} that Affirm took from my bank account electronically to complete a loan process that was cancelled. The transaction wasn't completed, so the loan was cancelled but Affirm has my money from the downpayment.
Consumer complaint received 2023-07-26
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. (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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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.