davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

I was with XXXX and Navient. During these times I asked multiple times if there was a plan that I could possibly be on to lower my payments however they continued to tell me my only option was Forbearance. Even when I was in XXXX XXXX in XXXX and XXXX they informed me that I had to go into forbearance as I was a full time employee. Another time when I filed bankruptcy I asked not to be in any type of forbearance as I knew my loans could not be discharged thru a bankruptcy so I didnt want to accrue more interest however I was again informed that my loans could not be collected on during a bankruptcy. I do believe these forbearance periods would have been ones that would count towards my XXXX program. 

I think this is very unfair as I never said I didnt want to pay I was asking the knowledgeable staff at Navient and XXXX to guide me not lie to me in order for my loans to rack up on interest charges.
Consumer complaint received 2019-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I received an IRS notification about a issue with my 2017 tax return. Capital One NA submitted a 1099-C on XX/XX/2017 showing a cancellation of debt for my wife XXXX XXXX SSN XXXX account info XXXX for {$1900.00} I let them know they sent this information to IRS themselves and I need to know what it is so I can respond to IRS appropriately through the attorney I had to hired. 

Supervisors have repeatedly told me they don't know what I am talking about and they can't find any information about my family but they won't give me any type of letter saying its a mistake or any correspondence so I can get this cleared up I need a letter from them stating its a mistake or they need to reverse whatever they sent to IRS in 2017 Respectfully XXXX XXXX
Consumer complaint received 2023-10-19
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)

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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-04-19
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: EQUIFAX, INC. (NC)

n accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 u.s.c 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 XXXX  XXXX XXXX # XXXX
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act the following companies 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Linebarger Goggan Blair & Sampson LLP (OR)

I got a letter in the mail today from Linebarger Goggin Blair & Sampson LLP regarding a debt I do not owe, from a state I've never been too. This is malicious spam, I saw from my XXXX search they are repeat offenders. They collected my personal information in order to target me.
Consumer complaint received 2023-10-19
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. (DC)

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXXXXXX XXXX representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXXXXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXXXXXX XXXX  ( one has already been completed ). XXXX XXXX  can schedule the payment if they want assurance. XXXXXXXX XXXX knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I would like to state that Equifax is reporting a lot of duplicate account from XXXX XXXX XXXX XXXX to my account. XXXX XXXX confirmed this as a fact on my previous dispute against their company. Equifax has refused to delete all the duplicate account of XXXX XXXX accounts. I hereby authorized Equifax LLC to release validation of their proof on reporting inaccuracy to my credit profile to the Consumer Protection Bureau immediately.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been a longtime customer of Capital One. I disputed a charge for {$1400.00} for a case that was suppose to be taken care of and never was. I did not have a contract with the attorney. He just took my money and has not returned any phone calls. I have nothing in writing from the attorney and he never filed a case. So I disputed it after I couldn't get ahold of him for a year. Capital one claims they sent me a dispute but they never mailed it and I never received it. I have gone back and forth with Capital One on this matter with them rebilling me after giving me the credit several times now. Now, Capital One has rebilled me on 2 separate credit cards for {$1400.00}. And no explanation.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the fair credit reporting act the account below Has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681 XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX has violated my rights 15 USC 1682 section 602.A States I have right to privacy 15 USC section 604 A.section 2 it also states a consumer reporting agency Can not furnish A account without my written instructions
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently noticed an account my Transunion consumer report that I do not recognize. In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give Transunion a written or verbal consent to report this inaccuracy on my credit report.

This is a violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports which therefore is another violation.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (OH)

XX/XX/23, amount {$1400.00} Quickly called card company when I got an email about a purchase. While on the phone, another transaction was trying to go through, so they closed the account and blocked the order going through. My fraud claim was denied because it shows it was delivered, but when checking with XXXX package was not delivered to my house and was signed by a person who I do not know or live with. I have sent it proof of where package was delivered, who it was signed for, and a screen shot of someone trying to access my account, claim still denied. Item was also bought, shipped, and delivered on the same day.
Consumer complaint received 2021-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I.C. System reports a unpaid credit account in my consumer credit file that I request proper verification. The balance is {$1400.00}, Account No. XXXX, original creditor XXXX XXXX XXXX.. I have never entered into a relationship with I.C. System or XXXX XXXX XXXX.. 

My personal information was compromised in a company DATA Breach and I request I.C. System Inc., to provide all documents they are withholding. Please include all signed agreements, the type of relationship established and if any services provided include those services.
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance Recovery Group (FL)

Call from ( XXXX ) XXXX and other numbers. I receive at least one call a month over the last 3-4 years with the same recording asking for a random person named " XXXX XXXX '' and referencing a debt owed. I have blocked most of these calls after receiving them and also stayed on the line and asked representatives to stop calling on several occasions because they have the wrong number. Each time, the representative notes that my number will be removed from their call list, but to no avail.
Consumer complaint received 2023-06-26
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. (FL)

I was trying to buy a house, when I reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.
Consumer complaint received 2022-04-18
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. (TX)

XXXX XXXX XXXX  has been reporting a charged off account on my credit report when this debt is showing {$650.00}. They charged this debt off & never sent a 1099-C form & by law anything over {$600.00} that form is supposed to be sent & I would have to file an amendment on my tax return due to understated income. Ive been questioning the validity of this account for some years now & it all makes sense why I never got one. XXXX XXXX XXXX  updated my address through a CFPB complaint which makes me question the name as well as address that was used to apply for this account. They still have not verified this information after Ive asked them to, anyone can open a credit card account in your name if they have access to your social security number. Not only is this account not a charge off, they have defamed my character by insisting that this account belongs to me when they cant even verify the name & address at the time the account was opened
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I were lied to yesterday XX/XX/XXXX by XXXX  at XXXX XXXX XXXX eastern time and are an very unfair process and according to the games they play my outstanding 19 years of missing benefits hidden by them will never entered into the needed accounts XXXX, XXXX, XXXX and XXXX because they for the longest make the decision themselves without my authorization to block my accounts which blocks any benefits from elsewhere a chance to enter the accounts and effect my credit score and they are embarrassing me by repeated over and over you have XXXX cents in your account XXXX they I finally got them to unblock. I ask to send code finally they did and ask to speak to supervisor XXXX refused to open all my accounts and indicated the other four are closed. I told her no they are not closed because i can enter my account ending XXXX and tells me the other four accounts are at XXXX dollars and that based on that response they are not closed but she denied me. I filed several complaints against XXXX  that she lied and i wish to have all my accounts open and later i spoke to XXXX whom documented my complaint very helpful about missing funds and agreed with me that the account is not closed. They are also effecting my credit score by holding back my benefits and forced my bank account first state bank XXXX into the negative and also harms my credit.
Consumer complaint received 2019-06-17
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. (CA)

FOR THE PAST SEVERAL MONTHS I HAVE BEEN TRYING TO HAVE EQUIFAX REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT, BUT THEY WILL NOT REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. PER FEDERAL TRADE COMMISSION OFFICE ONCE THEY RECEIVE MY FTC REPORT THEY WILL NEED TO BLOCK THE FRAUDULENT ACCOUNTS BUT THEY REFUSE TO PROCEED ACCORDINGLY.
Consumer complaint received 2022-04-18
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. (MI)

I were lied to yesterday XX/XX/XXXX by XXXX  at XXXX XXXX XXXX eastern time and are an very unfair process and according to the games they play my outstanding 19 years of missing benefits hidden by them will never entered into the needed accounts XXXX, XXXX, XXXX and XXXX because they for the longest make the decision themselves without my authorization to block my accounts which blocks any benefits from elsewhere a chance to enter the accounts and effect my credit score and they are embarrassing me by repeated over and over you have XXXX cents in your account XXXX they I finally got them to unblock. I ask to send code finally they did and ask to speak to supervisor XXXX refused to open all my accounts and indicated the other four are closed. I told her no they are not closed because i can enter my account ending XXXX and tells me the other four accounts are at XXXX dollars and that based on that response they are not closed but she denied me. I filed several complaints against XXXX that she lied and i wish to have all my accounts open and later i spoke to XXXX whom documented my complaint very helpful about missing funds and agreed with me that the account is not closed. They are also effecting my credit score by holding back my benefits and forced my bank account first state bank XXXX into the negative and also harms my credit.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Victoria Secret is reporting lates for the months of XXXX and XXXX. I was not late on this account. I made my payments online and thought everything was fine as i did not receive a call or notice about being late. I recently had my credit pulled and noticed the lates on my credit file. I had called immediately and paid the balance. I made these payments on time on the online system and never received a call or notice about the lates. I had no idea that i was being marked late. I need these lates to be removed from my credit file.
Consumer complaint received 2019-06-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as TransUnion, XXXX, XXXX  etc, .. If there is no account please delete all alleged account information concerning the fraudulent account.
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

On XXXX of XX/XX/2022, I made a swift transfer from my XXXX XXXX  account on wise.com with a wrong amount : XXXX USD ( instead of XXXX USD ). 
The transaction has passed and recipient has received the money on XXXX XXXX. 

I've asked the recipient for return. Recipient said he couldn't confirm my identity because the transfer is international and can only execute the return if it comes through intermediate bank. So, recipient needs to receive a " Request for Cancellation '' from wise.com 's bank. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX I contacted wise.com on XXXX XXXX and tried to negotiate " Request for Cancellantion ''. Wise denied me the request to quoting its Customer Service Agreement : XXXX You must ensure the information you provide to us is correct. You must make sure that the information you provide when setting up a payment order is accurate. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed even if you have made a mistake. 

I don't see it as a reason to deny " Request for Cancellation '' because it is a common practice for swift payments. 
Is there any law that enforces wise.com to send the request? 

Bank Name : XXXX XXXX  and Trust Wise Address in the US : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX United States Wise 's Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX United States
Consumer complaint received 2019-06-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/XXXX and various other dates on XX/XX/XXXX called daughter asked for me and said if She didn't give info he has other relatives he can call..He has my number I just don't answer. 
Has called my work numberous times after I told Him not to Calls other relatives eventhough He has my correct address and phone # and I have asked Him not to. 
XXXX XXXX is the caller XXXX XXXX is the agency XXXX ext XXXX
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.