davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Awar Holding Inc. (NJ)

I HAVE CONTACTED AND DISPUTED THIS COLLECTION WITH THIS COMPANY AND THE CREDIT BUREAUS MANY TIMES. THEY KEEP VALIDATING IS AS MINE FOR A HOSPITAL BILL XXXX XXXX THAT I KNOW NOTHING ABOUT. FURTHERMORE I HAVE HAD FULL MEDICAL COVERAGE FOR MANY YEARS AND WOULDNT BE ASKED TO PAY OUT OF POCKET FOR THIS. THE DEBT KEEP BEING SOLD TO NEW COMPANIES AND WHEN I CALL THEY VERY RUDE, INTRUSIVE AND ABUSIVE TELLING ME ITS MY DEBT AND GIVING ME LITTLE TO NO INFORMATION. I AM FED UP WITH THEYRE CONSTANT CALLS AS WELL
Consumer complaint received 2022-10-29
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. (SC)

XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-10-29
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. (GA)

I have contacted the Bureau several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 

XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} Updated on XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Updated on XXXX XXXX, XXXX Personal loans Total balance : - XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXXXXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXXXXXX XXXX XXXX Balance - Updated on XXXX XXXX, XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-20
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: SYNCHRONY FINANCIAL (FL)

I RECENTLY PULLED THE Y REPORT AND STILL SEE THIS LATE PAYMENT APPEARING THAT WAS ALREADY DISPUTED BEFORE SYNCB/XXXX XXXX. I WAS NEVER LATE. I ALWAYS MAKE SURE THAT I MAKE PAYMENTS ON TIME. I DEMAND THIS ACCOUNT TO BE UPDATED AND REMOVE THE LATE PAYMENT TAGGING AS SOON AS POSSIBLE AS YOU ARE VIOLATING MY RIGHTS Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
Consumer complaint received 2022-10-29
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. (CA)

I have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Consumer complaint received 2018-06-28
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. (MS)

XXXX has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. XXXX   allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from XXXX.
Consumer complaint received 2022-10-29
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. (SC)

XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 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 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Equifax is reporting my bankruptcy with an incorrect filing and discharge date. I have hired a service to remedy this and after three attempts and submission of court filings, Equifax still refuses to take action to correct the error, that they made. This is causing actual and qualitative damages. I am a small business owner, and this erroneous report is hindering my ability to secure lines of credit, among other issues. 

Actual filled : XX/XX/XXXX ( I have attached court filings to prove this date ). 

Equifax is reporting I filed on XX/XX/XXXX ( I have attached my credit report to show their error ). 

Equifax is not complying with consumer protection laws and I want this error reported and corrected.
Consumer complaint received 2022-11-05
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. (TX)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2023-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (PA)

The Promissory Note I signed in XXXX was a one time consolidation loan, not an MPN Promissory Note. That was my error in the information submitted in the complaint. Again an MPN can only add loans to it for 10 years. The 10 years were past by 5 months in XXXX of XXXX. The Promissory Note to be legal was required to list a specified time aka standard repayment schedule, it does not. There is no such US legal Valid Promissory Note pay till you die unless it is with the XXXX of which I am beginning to suspect is the situation. The Promissory Note expired in XXXX per the Department of Education advisor I spoke with. ACS and XXXX had no legal grounds to resurrect and consolidate, XXXX cancelled, never dispersed, XXXX dollar value XXXX XXXX XXXX to my XXXX account, that weren't part of the original one consolidation loan in XXXX because they didn't exist after XXXX, that is illegal. Again confirming the XXXX connection with the XXXX Servicers. The Promissory Note Per the Department of Education was invalid in XXXX of XXXX and by US Law and Department of Education Policy should have been closed by ACS.

Contact the Department of Education they will tell you they are the loan holders of my XXXX. Not the XXXX XXXX XXXX Servicers and their banking cohorts!
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Zions Debt Holdings (IL)

When I check my credit report with XXXX XXXX, I noticed the same derogatory remark on my credit report. That XXXX XXXX removed in XX/XX/XXXX with XXXX XXXX XXXX. The contract was not signed by the company 's representative and myself dated XX/XX/XXXX. In XXXX XXXX investigation with Zion 's debt solutions stating they are FCRA Requirements is valid. To change the opening or collection date to XX/XX/XXXX
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Dates : XXXX, XXXX
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (TX)

i have not supplied proof under the doctrine of estoppel by silence, Englehardt vs Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

REPORTED INCORRECT ITEMS ON MY CREDIT REPORT
Consumer complaint received 2019-05-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cactus Jacks Auto Sales (AZ)

On XX/XX/28 i contacted my Auto Loan company and i had an arrangement with them to settle my account current. Today i received a call and there is on recorded on voice mail, where the representative of " Cactus Jack 's Auto '' Located in XXXX AZ, XXXX, threat to sending my account to the recovery department. She on the end of the message said " Thats whats is happening tomorrow, and that if i have any question to contact # XXXX ". I did not like what happen, I'm a mother of XXXX kids and I lost my Job recently and im trying hard to get everything together with this new opportunity i Got and even have a arrangement with them they kept calling to collect the debt.
Consumer complaint received 2022-10-30
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: ALLY FINANCIAL INC. (NY)

RE : Account Number XXXX Account Number XXXX Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX XXXX XXXX. {$480.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$440.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT ALLY FINANCIAL {$54000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2022-10-29
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ;
Consumer complaint received 2023-03-08
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. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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. (WY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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
Consumer complaint received 2023-03-08
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (IL)

In accordance with the fair credit Reporting act XXXX XXXX  Account number XXXX, has violated my rights. 
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 a 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 late for purpose.

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Consumer complaint received 2022-10-30
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. (VA)

Paid my credit card within 30 days and XXXX reported it late. This is the second time they have had a system issue that failed to credit payment on time when paid. It is showing late but was not 30 days late on my credit I have proof
Consumer complaint received 2022-10-30
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. (OH)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (TN)

XXXXXXXX XXXX claim #. 

Totaling almost {$30000.00}. 
XX/XX/XXXX {$5100.00} XX/XX/XXXX {$7500.00} XX/XX/XXXX {$4900.00} XX/XX/XXXX {$4900.00} XX/XX/XXXX {$6000.00} XXXX Is selling to XXXX XXXX. 
XXXX fraudulent checks cleared my First Horizon Bank account. They were deposited online at XXXX XXXX. I filled in the Affadavits at XXXX and filed the police report with XXXX police dept as requested. I was advised by XXXX money would be returned in a week. It has been over 90 days since this occurred and XXXX claims XXXXXXXX XXXX has to repay the money. I did not sign an account agreement with these terms. Nor was I made aware of these terms. I can not find any laws supporting XXXX or XXXX policy. 
They are both allowing mobile deposits and have no safeguards. Duplicate check numbers cleared the account. They cleared same check numbers twice? They will not repay consumer losses to the systems they preside over. Our money is not protected by or safe in our banks. It is an atrociously flawed system where the consumer loses.
Consumer complaint received 2020-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: 391 Financial, Inc. (TX)

i applied for a loan they told me to fill out the online app i did they said that i was pre approved for XXXX all i had to do was give bank vitrifaction. i did the verification they received and has access to my account couple hours later i received the first email stating i was approved. so i signed the loan agreement papers stating how much my monthly payment was going to be and had the final amount and how many payments it was going to take to pay off loan amount which i agreed to i received an signed and sent back. 30min to 1 hour later i received another email stating i had money waiting for me, so went on break at work called my sons wedding plan to arrange final payment got off the phone with her decide to sign into the account and saw the denied on my loan after being told approved 3 times and signing the loan documents. dirty misleading and put a financial bind on me and my sons wedding plans. if it wasn't for the wedding id sue ive got copies and emails of this misleading issue. they think it's not a problem to XXXX with someone's personal life.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

Paid my credit card within 30 days and truist reported it late. This is the second time they have had a system issue that failed to credit payment on time when paid. It is showing late but was not 30 days late on my credit I have proof
Consumer complaint received 2023-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Prosper Marketplace, Inc. (IL)

I attempted to find a loan online, was directed to Prosper Loans, filled out the application, gave personal information etc ... received phone call from a XXXX XXXX, he stated he was a loan manager, proceeded to move forward with over the phone info of my own, everything seemed fine ... except for there verification process ... I was told that a XXXX deposit would be made into my checking account ( which it was ), and then minutes later ... this man XXXX XXXX requested me to take out the money via ATM, and then go to a commercial store like XXXX or XXXX and send the money back to him via a wire transfer I am assuming ... .I didnt take or touch the money that was sent into my account... I quickly asked for help with my local branch of my bank and was directed to file a police report after that ... I was told that if I sent these monies back to this loan manager, that this would be part of Prosper 's account verification process ... which I was told by my local bank personnel that NO LENDER WOULD EVER VERIFY AN ACCOUNT LIKE THAT ... .I am filing this report to bring this person to light and hope that the government can track this person down and stop them from making more victims of online theft or fraud... .I have all the emails, text messages, pictures of the proposed loan offer letter, phone numbers of these individuals... they keep calling from different numbers... .and even a recording on the phone of them impersonating a police officer .... ( they actually called while we were filing the police report, the officer at the time found it funny as they were impersonating a coworker of his ) .... I'm hoping this complaint will get to some type of internet or FBI fraud division and bring these guys to justice, as well as to this company Prosper ... .because I dont believe this person is actually an employee of this company...