davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC (CA)

XXXX / XXXX / 17  called my work and harassed employee who answered after I just spoke to them 3 days ago, he is harassing because I would not commit to any type of secured payment arrangement and threatened me for not doing so saying they will come after me. I am still waiting on validity of debt to review and confirm specifics and have not received anything.
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (GA)

Mohela will not provide an accurate accounting of what loans were consolidated and which paid off. I show an XXXX XXXX discrepancy in their total and my documented amounts. The interest rate ( 6.7 % ) is stated as {$110000.00} on XXXX. I have stayed on hold more than 4 hours to be disconnected as they don't want to answer these questions. 
This is multiple times.
Consumer complaint received 2021-06-01
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. (MS)

Hello, I received a letter from lexis nexis stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am purchasing my mother in law 's home I have moved I am not able to purchase a home due to kohl s Putting a badd credit on me what happened was I moved and did not receive my mail for a month kohl s sent me a bill for {$130.00} I did not pay on time because I never received an invoice They put a bag credit rating on me for 30 days delinquent they have not told me if that has been resolved Please help
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were 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 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank that is in charge of the Discount Tire Credit Card randomly decreased my credit limit from {$900.00} to {$300.00} due to a change in my credit report. Ive had this card for almost a year now if not already and Ive never missed a payment. I just recently paid the card off completely in full and now my balance is less than {$200.00}. I didnt deserve to be decreased especially since my credit score is XXXX. I want my credit limit put back to {$900.00}
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

1. I scheduled a payment of {$440.00} to pay off my XXXX balance. But on XXXX, I found two transactions on my bank account, both of them are {$440.00} and charged by Apple Card , which means I am being charged twice without my authorization or acknowledgement. It is a serious violation. 

2. When I disputed it with Apple Card customer service, they said they will refund me, but refused to explain any details or admit the mistakes.  On XXXX, I found out my card balance somehow increased from {$230.00} {$700.00}. But since I paid off everything before XX/XX/XXXX, the current balance should be my XXXX spending which is {$230.00}. So I tried to contact Apple Card to fix it. But they can not find out the problem. It is a violation again!
Consumer complaint received 2024-02-14
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: AMERICAN EXPRESS COMPANY (GA)

I have never given XXXX XXXX the Athorization to my XXXX XXXX, this agency is now on my credit report. 
Also XXXX XXXX I have not given then approvel to run my credit.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (OR)

I open an account on the Gemini XXXX XXXX. I funded that account by linking it to my XXXX XXXX XXXX XXXX account in XX/XX/XXXX. That account value stands between $ XXXX and $ XXXX depending on the market. I tried to move my Bitcoin funds off of the Gemini Exchange onto my TXXXX XXXX XXXX as Ive done on other exchange platforms. I was met with a message saying security hold has been placed on my account. I also could not move my cash that was sitting on the sidelines back to my XXXX account for the same reason. I reached out to Gemini on XX/XX/XXXX and received a claim number ( XXXX ) on the same day stating theyre working on it. XX/XX/XXXX they asked for a selfie photo with me holding my XXXX  ID and a handwritten note containing my claim number and the date. I followed directions. Ive done this twice now. Ive even opened another claim. Im getting nothing from them. I fear my funds have been captured and they arent releasing them. Its going on XXXX weeks and Im very frustrated. I need help recovering my funds. I have not had this experience on the other platforms I conduct business with.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 Account XXXX Account Name : XXXXXXXX XXXX XXXX Account 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 2023-06-27
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My complaint involves XXXX and TransUnion. A few weeks ago in response to an email I received from XXXX suggesting I could save money if I insured my car through them I filled out the requested information and received a guote. I did not take further action. Today I received an email from XXXX indicating that my quote was higher due to reporting information they received from TransUnion that included 4 items that were on my report that would cause a higher quote.

I don't understand any of the points listed and they don't seem to have affected my overall credit score which is very high.

I'm not inclined to spend the effort to work with either company to correct this mis-information. I will just go to some other insurance provider in the future. 

But it does look to me like XXXX is just trying to find a reason to inflate the quote and either leveraging or partnering with the credit reporting agencies to justify it.

I do think there needs to be much more scrutiny and regulation of the credit reporting agencies. They seem to have a lot of influence on consumer affairs with very little oversight from people who are actually concerned about the consumer.
Consumer complaint received 2020-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have written to transunion and disputed several items on my credit report. They keep saying that the item is verified as being correct. Per the fair credit report act section 609 a 1a i have asked for them to provide me with original consumer contract with my signature on it or the account must be deleted. I open dispute the last one was on XX/XX/XXXX and it got closed out with no explanation. You can't up load anything to there website so i expressed mail them a letter on Saturday that they received on tuesday. I have sinced open up another dispute.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (IN)

On XX/XX/2020 a credit inquire showed up on Experian. The company that pulled the credit was US SM Bus Admin Oda ( US Small Business Administration ). I do not own a business, nor have I applied for a loan from this agency. I feel that some type of identity fraud may be happening and my credit score dropped due to the Hard inquire. I would like the inquire removed and my score fixed.
Consumer complaint received 2024-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Incorrect payment history is on this report. Please have the creditor KOHLS/CAPONE delete report from credit history. 

Incorrect payment history shows a current payment in XXXX yet Closed account in XXXX. Ive filed this dispute and they have refused to delete inaccurate information.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (AZ)

I got a loan from Affirm for a new cell-phone that I needed for my work. The first payment I was suppose to make was on XX/XX/2023 for XXXX. The give you 29 days or less to pay the XXXX or they report it on your credit report and for the full amount of the loan you took out. They decided to report it on my credit report of XX/XX/2023 and killed my credit rating by having it drop XXXX points by reporting falsely to the credit bureau. In the contract I signed and even when I called the company I should have had 29 days of less to pay the XXXX before them reporting it on my credit report. When I also called the company, they didn't want to take any accountability and said it was XXXXXXXX XXXX fault for it being on the report which was a lie.
Consumer complaint received 2023-05-18
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/2021.
Consumer complaint received 2023-01-07
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. (AZ)

I have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.
Consumer complaint received 2023-05-08
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX US DEPT ED XXXX XXXX : {$17000.00} US DEPT ED XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XX/XX/XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX  XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (WA)

Hi, a credit card was open under a different name using my personal information. I was unaware. I called Comenity Capital Bank. They closed the account down, now I have to get this matter resolved because it affected my credit.
Consumer complaint received 2023-01-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX RE : Partial Account Number : XXXX. 
VIN Number : XXXX To whom it may concern, I am aware that the FCRA allows for creditors to report but they have to be compliant and accurate at all times. My concern with this account is this. It is reported on my consumer report that this alleged debt was charged off. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that XXXX XXXX XXXX will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, XXXX XXXX XXXX failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details. 

Additionally, according to the IRS, a 1099-C was to be sent in accordance with this chargeoff as it is over {$600.00}. However, one was not sent. Also, since the alleged debt was charged off, why are you still trying to collect on the alleged debt? Is that not considered fraud and abusive activity according to the FCRA? 



Again, according to the FCRA, all creditors MUST be compliant and accurate when reporting and I feel that XXXX XXXX XXXX failed in doing so.This account is inaccurate and XXXX XXXX XXXX had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. You also had an obligation to send me a 1099-C in which you failed to do so. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, XXXX XXXX XXXX will be in violation of certain codes equating to XXXX per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  With Prejudice
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XXXX of 2024 I the consumer attempted to have my credit report updated to reflect the accuracy of the information necessary to be 'shared '. The accounts that are to be removed are XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies, I am the Consumer. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those.

customers nonpublic personal information. '' ( XXXX, XXXX XXXX XXXX XXXX XXXX ) are a financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to Transunion, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
As of XXXX, XXXX, and XXXX of 2024, I the consumer have sent correspondence to these entities in regard to my privacy as a consumer and according to 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.