davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: Eastern Account Systems of Connecticut, Inc. (FL)

In accordance with the Fair Credit Reporting Act, Eastern Account System ( EASTERNACCOS ) 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 XXXX ( They continue to open and close this account, as well as the dates, continue to change, I have disputed this account multiple times. Spoke with XXXX, XXXX, and XXXX. It is still on my account. )
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (VA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-05-24
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX acct # XXXX and XXXX XXXX XXXX acct XXXX XXXX, have 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.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$980.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$730.00} XX/XX/XXXX XXXX  XXXX XXXX {$710.00} XXXXXXXX XXXX XXXX XXXXXXXX  XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NJ)

I rented a car in XXXX with the understanding that collision insurance was a benefit. I verified this with XXXX at XXXX used the credit card to pay for rental. 

Unfortunately, when I notified collision benefit, at XXXX on XX/XX/23 that the car was damaged and I was billed {$2200.00}, they insisted that I have no collision benefits. 

I again called visa at XXXX and they again insist that I do have coverage. Spoke with XXXX a supervisor. 

XXXX is responsible for this XXXX bill whether I have coverage or not. Telling customers they have benefits when they do not is False Advertising and even Fraud
Consumer complaint received 2022-05-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

We are living at XXXX 's XXXX for XXXX and decided to do month to month basis because we are looking for another place to rent. It was XXXX XXXX XXXX to XXXX. We cleared everything and gave them the 60 days notice 2 months prior to our contract. XXXX from Columbia Debt Recovery the amount of XXXX is filed as a collection debt in our name. We keep calling the collection and they can't do anything about the debt. We called the manager of the property and until now they couldn't solve the issue. Now that we are need of an apartment we can not get approve because of the record that is showing as a collector. We have voice recorded line as a proof that we try and try to resolve the issues. And also the 60days notice before leaving the property.
Consumer complaint received 2022-05-24
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. (MN)

The following accounts listed on my Experian and XXXX credit report are lost/stolen credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, balance {$450.00}, and XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, balance {$580.00}. The following credit inquiries listed on my XXXX and Experian credit report are fraudulent, unauthorized and not mine : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (PA)

I got XXXX Checking Account with the KeyBank NA. I found errors in the statements and wrote a notification about their correction.The bank corrected the errors and closed my account as charged off. When I log into an account, I see that you have closed your account, but I didnt. The branch manager ignores me without answering my notification, without answering my email or phone call.
Consumer complaint received 2022-05-24
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: SUNRISE CREDIT SERVICES, INC (CA)

On XXXX XXXXXXXX XXXX SUNRISE CREDIT SERVICES added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA SUNRISE CREDIT SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

I received a billing statement from XXXX XXXX which I don't have account with them. I contact XXXX XXXX that I never open an account with them and they ensure me that it was taking care of. Few month later, I received a debt collecting letter from Nationwide Credit and phone call. I told them it was a fraud and someone use my name and the SSN # was different. They are very rude and threaten me that if I don't pay they will take me to court.
Consumer complaint received 2023-02-27
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: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union ( NFCU ) has informed me that I was denied for a loan due to the fact there was a previous personal loan charge off that was paid in full. However, I have no knowledge of such a personal loan. This personal loan dates back to either XXXX or XXXX. Currently, NFCU utilizes XXXX to view customers credit reports. However, there is no report of such an account on my credit report. Also NFCU has this charged-off account listed on my internal NFCU profile XXXX which is utilized to determine me for future loans with the bank. It has been well over seven ( 7 ) years, and this account is still being utilized to determine my eligibility for future loans with the bank. I have also launched a fraud claim with NFCU, as this is an unknown account to me. The account that is associated with NFCU is for a personal loan in the amount of {$1000.00} dating back to either XXXX or XXXX. 

NFCU has informed me personally that they are maintaining this information within my NFCU profile, due to the fact this information is being obtain from XXXX. The issue I am having is that this information within their internal system from an account that is over XXXX XXXX XXXX and is being pulled from a XXXX XXXX.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union ( NFCU ) has informed me that I was denied for a loan due to the fact there was a previous credit card charge off that was paid in full. However, I have no knowledge of such a credit card. This credit card dates back to either XXXX or XXXX. Currently, NFCU utilizes XXXX to view customers credit reports. However, there is no report of such an account on my credit report. Also NFCU has this charged-off account listed on my internal NFCU profile XXXX which is utilized to determine me for future loans with the bank. It has been well over XXXX ( XXXX ) years, and this account is still being utilized to determine my eligibility for future loans with the bank. I have also launched a fraud claim with NFCU, as this is an unknown account to me. The account that is associated with NFCU is for a XXXX Rewards Mastercard dating back to either XXXX or XXXX. 

NFCU has informed me personally that they are maintaining this information within my NFCU profile, due to the fact this information is being obtain from XXXX. The issue I am having is that this information within their internal system from an account that is over XXXX XXXX XXXX and is being pulled from XXXX Credit.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me.

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same
Consumer complaint received 2022-05-24
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. (IL)

In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me. 

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same
Consumer complaint received 2019-11-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (FL)

I received a call on Saturday, XX/XX/XXXX at XXXX XXXX  from XXXX. The caller informed me he was calling from FBCS about a debt. He claimed that I owed {$1200.00} but client was willing to settle for {$250.00} from XXXX for XXXX   XXXX  ( private student loan ). He knew my university ( but that could be available from social media ) but had an old address. He told me his name was XXXX XXXX and to contact him at XXXX to settle this debt. I did inform him that I already paid my student loans from XXXX  so I would contact the FTC as no loan from XXXX is in my credit history. Unfortunately, some of my information is on the dark web so I check my credit report for new creditors etc. frequently. I am disputing this debt and reporting the debt collector.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me. 

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

So I sent out letters on XX/XX/2022 and also talked to all the credit reporting agencies via phone on XX/XX/2022 about all the hard inquires they furnished on my credit report without my written consent. The agencies I am submitting a complaint against is XXXX, XXXX, and EXPERIAN. According to fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my rights.
Consumer complaint received 2022-05-24
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. (TX)

The company never responded in the matter of CFPB XXXX and CFPB XXXX. Neither the creditor or the company reached out to resolve my complaint. According to the Fair Credit Reporting Act, I must receive some type of dispute resolution and I have yet to receive anything and it has been months. The bureaus have asked for additional time and that time has come and gone. My initial dispute was in XX/XX/2022 and its not XXXX XX/XX/2022. I am demining that these items be removed from my credit due to the amount of time that has passed and no results have been provided. I will once again attach the original documents. A wet signature or any other documents used to furnish these items on my credit file have yet to be produced to me. Until further review of theses accounts they need to be removed.
Consumer complaint received 2022-05-24
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)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXX has not reported a credit card where I was added as a XXXX XXXX  authorized user. The card ends in number number XXXX and carries a {$2000.00} credit line. I would like them correctly report this to all XXXX credit reporting agencies.
Consumer complaint received 2021-07-24
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: Medical Data Systems, Inc. (GA)

I was not notified of this debt. They did not supply me with my wet ink signature contract validating the debt. Have not supported proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 715 791 I may presume that no proof of the alleged debt nor therefore it any such debt in fact exists. Therefore, this account is fraudulent and inaccurate. It should be not on my consumer report.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2020-09-16
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: Navient Solutions, LLC. (MA)

DEAR MANAGER/NAVIENT! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't Navient student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts or inquiries listed here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2021-12-13
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)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.