davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
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. (NY)

I have notified These credit reporting agencies that there is fraudulent accounts on my credit report, and i have asked them to remove it, i have given them all the information they need including my proof of identification, and a FTC report, they still have not removed these accounts, As in these companies are in violation of Code 15 U.S.C 1681b - Permissible purpose of consumer reports as my identity has been used Pursuant to 18 U.S.C 1028A., I demand that these accounts be removed.
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-08
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)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXXXXXX XXXX, DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX XXXXXXXX. Please delete ASAP.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (OK)

They are reporting this account was open in XXXX  the date of delinquency was over XXXX  years ago almost XXXX Ive asked it to be fixed and it hasnt they refuse to send me statements and they called my step mom and have her all my personal info
Consumer complaint received 2023-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This company -Fair collections and outsourcing- is attempting to collect a debt I do not owe. They have failed to send me validation for this debt as I have sent three separate letters for proof of debt validation. This company is only reporting on XXXX credit site ( XXXX ) because the other XXXX credit agencies have already deemed the collection fraudulent.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is showing an account on my credit report that isnt mine. 

Account is called XXXX I have filed an FTC report and sent several certified mail disputes as well.
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prosper Marketplace, Inc. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Consumer complaint received 2023-02-07
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. (GA)

Why are you indicating that XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX was 120 days late in XXXX of 2022 & XXXX of 2022. How is this even possible? I couldnt possibly be 120 days late 2 months in a row. In addition, you indicate that the charged off amount is {$0.00} but indicate there is an amount past due of {$22000.00}. How is this possible? You also have left blank the date closed field, this is inaccurate. I attached proof of your inaccurate reporting below. I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CO)

XX/XX/2023 XXXX The debt collector called my mother in regards of a debt I owed from a victoria secret card. He said that if we didnt come up to an agreement that he would send an attorney over to my house. I told him that I didnt owe that money and that he could send an attorney over and he was shocked with my response. I hung up and looked at my emails and found this.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (TX)

Initiated a balance transfer from Discover to XXXX. 
The funds posted to my Discover account on XX/XX/XXXX. 
XXXX never received the funds. 
Discover confirmed that the account number provided was " off by XXXX '' which is ridiculous as that is easily verified using a checksum ( XXXX algorithm ). 
Can not start looking into the matter until 8 days have passed but the amount has conveniently been added to my Discover balance already.
Consumer complaint received 2022-01-02
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: January Technologies, Inc (NY)

NOTICE AND WARNING TO AFFIRM FOR FAILURE TO DISCHARGE ALL DEBTS PURSUANT TO HJR 192, PUBLIC LAW 73-10 AND TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. I dont not consent to e-Oscar verification. It is FACT that XXXX is engaged in trust actions with regards to loan XXXX. By claiming I, beneficiary, owe a debt, XXXX is in violation of 15 USC 1692B ( 2 ). My duty as beneficiary is to keep records and report to the IRS in case of trust fraud suspicion. I am suspicious of XXXX and their management of my private data elements. XXXX is trustee in this matter in their fiduciary capacity XXXX should correct ALL records accordingly INCLUDING the removal of ALL negative remarks reported to third parties. This is NOT a request for verification or proof of my mailing address. I respectfully request your offices provide me with competent legal evidence that i, beneficiary, have any legal obligation to pay you, XXXX, trustee. The misrepresentation of the trustee and beneficiary relationship between us can be rectified. i hereby accept all title rights and interest and instruct XXXX to handle ALL principles balance. The term charged off means XXXX has been paid in reference to loan XXXX.
Consumer complaint received 2023-02-07
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. (GA)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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 XXXX  XXXX  XXXX account # XXXX XXXX  XXXX XXXX  account XXXX have violated my rights
Consumer complaint received 2023-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NC)

Every statement includes the incorrect due by date. The past due balance far exceeds the days delinquent. The past due balance is inconsistent on every statement when the monthly payment is fixed but no payment amount is applied for late fees or misc. fees. One month was missed on the auto loan and Santander claims the account is then 71 days delinquent. A payment well exceeding the minimum amount, {$1000.00} and prior to the due date, and santander fails to update the days delinquent and it remains at 71 days with the past due amount only decreasing XXXX dollars. The next month, another substantial payment of XXXX dollars is made and santander changes the days delinquent by one day ( 70 days ) and the past due amount only decreases {$470.00} dollars. Santander claims the account is now 101 days delinquent and the vehicle was repossessed on XXXX. The loan payment is not due until the XXXX of the month. The account has not gone XXXX months without payment. The paper trail has been nothing but inconsistent. A total of XXXX dollars has been paid within 2 months. This vehicle should not have been repossessed, Santander has failed to correctly update their information.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AZ)

Per the federal guidelines, anyone whose XXXX plan is up for income recertification in the first 6 months will not need to recertify for an additional year. Nelnet representatives have told me that the servicer is refusing to honor these guidelines and is forcing me to recertify my income by XX/XX/XXXX. My date with XXXX is XX/XX/XXXX.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (UT)

I applied for the SAVE IDR program on XX/XX/23. Initially, it looked like it was processed as it showed a new payment amount of {$0.00}, but I continued to get a notification on my Nelnet home page that it was still being processed and to allow 15 days. 4 weeks later it is still being processed, 4 of my loans were placed on the SAVE program, but the other 4 were placed on standard payment, totaling {$880.00} per month starting on XX/XX/23. There was absolutely no explanation, no email, or any other attempt at communication. Ridiculous. 
After 2 hours and 45 minutes on hold, I was able to talk to an actual human, who did not know very much about it. She walked me through re-applying for the SAVE program for the other 4 loans. 
In the meantime, my loan has started accruing interest and will continue to do so until Nelnet finally can finish 'processing. ' I am also unable to apply for PSLF until they finish my SAVE application, so it is setting me back months. 
They have been totally unresponsive to emails, and it takes a whole day to get ahold of them over the phone. I can not afford a {$880.00} payment. Nelnet needs to be held accountable for their negligence.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management over the course of the past few years has continually violated my Consumer Rights by illegally reporting incorrect balance information to the credit bureau. They claim I owe them a balance of {$530.00} from an original creditor XXXX XXXX XXXX I have requested validation of the debt on several occasions and have not recieved validation. I have also requested an investigation by the 3 credit bureaus into this debt and they have claimed to have validated the debt. Midland has been illegally raising and lowering the balance by {$1.00} without any payment or interest charges being made to intentionally harm my credit and force a payment from me. I contacted Midland credit management back in XXXX  over the phone and spoke with a supervisor which claimed the credit bureaus were the ones raising and lowering the balance. I also was in touch with the Credit bureaus which also denied any responsibility in the raising and lower of this collection account. This is a violation according to my FCRA rights and I would like this to be deleted from my credit report or else I will be looking to sue Midland and the 3 credit bureaus.
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAC Financial Corp (IL)

XXXX XXXX XXXX XXXX, I got admitted to this hospital in XXXX XXXX XXXX billed was {$16000.00}. I have provided my insurance card and my ID card. Also my wife call my insurance to be sure that my insurance will cover out of state emergency visit and they said yes. The hospital did not forward the bill to my insurance company but they report it to credit bureau instead. I have called them to resolved issues they response is they dont send out claim to insurance company. Which dont make sense. I have never heard any hospital that doesnt send out bill to insurance company so they can get their money. CAC FINANCIAL Corp. reported that I owe {$16000.00} to the credit beurea, it really took a hit in my credit report. I have contacted around XXXX XXXX and spoke to XXXX they said they transfer it over to XXXX XXXX. Called again on XX/XX/XXXX because on my credit report CAC Financial Corp is the one that reported it. Called CAC Financial, Spoke to XXXX, and explained the situation and Im willing to provide my insurance information, so they can collect the balance from my insurance. His response its more than 50 days the insurance will not pay for it. But I provided my insurance at the hospital. Its their mistake they didnt file the claim. XXXX said XXXX the XXXX will contact me shortly to discuss but never recieve a phone call from her. So my wife called following morning to speak to her. XXXX picked up and says to my wife, he cant discuss the account to my wife. My wife handed me the phone and I told XXXX, he can talk to my wife and discuss anything about my account. XXXX responds I need a written letter saying I authorized my wife to discuss about my account and he hung up the phone. I called right back, woman pick up the phone name XXXX, Asked for my name, before I even say anything she said I need a written letter before my wife can speak to them. Im calling for myself. This is Company is ridiculous. Even hospitals dont asks for written authorization to discuss health issues as long as I told them, they can discussed it with my wife and approved it, Even if its over the phone! I just wan na resolved this issues. They are making it so difficult and stressful. I have insurance, but they didnt send the claim and now expect me to pay {$16000.00}. How can I pay when I wasnt able to work and took me a year to recover. This really messed up my credit.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I found there are some unathorize hard inquiries on my credit report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/1970 XXXX Credit Bureaus : XXXX, XXXX, XXXX To whom it may concern : 15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for late for any purpose.

I am reporting this collection as an " Open Account '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-02
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. Public record reported XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.