davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX Care Credit was reporting to the major credit bureaus that I was an authorized user of a Care Credit account. I do understand that Care Credit can report Authorized User credit history to the credit bureaus. This isn't the problem.

I am unaware of being an " authorized user '' on any Care Credit account ( I had my own, which was paid and closed, a while back ). The account I was supposedly an authorized user on was opened in XX/XX/2014. I've only discovered it because I am trying to buy a house and had to get my report. 

Even though there is a positive payment history, the high balance is hurting me and keeping me from getting a loan. I disputed the account showing I was an " Authorized User '' to XXXX  and Care Credit apparently verified the information as accurate, then updated it to report that the account was my own! This makes the problem worse. How did Care Credit determine I was no longer an " authorized user '' but now, all of a sudden, the actual primary account holder? That's nuts.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX XXXX Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy. 

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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 2020-02-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OH)

The original debtor is XXXX XXXX it was sold to ic systems in XXXX XXXX MNXXXX.Debt occurred in XX/XX/XXXX.  I called XXXX XXXX to suspend my services because I was being forced to move. I made a payment to my bill of XXXX leaving me with the amount of XXXX left due. I was told by the rep that my services would be suspended for a year and to call back in XX/XX/XXXX  to see my other options because I was on a contract at the time. The next month XXXX was taken out of my XXXX account so the account was paid in full. A year later I call back and was told that the account was never suspended because of the XXXX balance at the time of the suspension something that I didn't know and account was paid off in full.
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch (SC)

i reached out to Kinum collection agency regarding music and arts about a debt owed for XXXX for a clarinet on XX/XX/XXXX, that was opened up an account on XX/XX/XXXX from XXXX in XXXX XXXX sc XXXX located at XXXX XXXX XXXX I returned this clarinet on XXXX XXXX and I was unaware of this reporting on my credit until I pulled my report I have made numerous of attempts to reach XXXX XXXX   and have been unsuccessful so today I reached out to XXXX XXXX XXXX at XXXX and spoke to XXXX she informed me to contact kinum bc they couldn't assist me and they now have the collections so I called and was told that they have been reaching out to XXXX  to confirm this debt and have been unsuccessful also I need this removed from my credit file if it cant be confirmed and a updated report sent to me I am in the process of purchasing a home and this is corrupting my credit.
Consumer complaint received 2020-02-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

I have for the past six years tried forbearance, deferment and I continue to struggle. This student loan has ruined my credit and made it almost impossible for me to qualify for a mortgage. 

I need financial counseling that will actually help my credit score. 

I look forward to a positive outcome for this ongoing problem. 


Sincerely, Ms. XXXX XXXX
Consumer complaint received 2020-02-27
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. (AR)

A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX  money loans ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-03-13
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (NC)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

They took me to court but kept changing the date so I wasnt aware it happened until after the fact. Ive emailed and called portfolio recovery many times to set up a payment plan but they say i need an account number that my name and social security number dont show up in their system. So they keep hitting my credit report for late payments but how can I resolve it if they cant find me in there system and since the debit they are asking for was from a XXXX credit card from 6 years ago how do i know an account number. What am I supposed to do?
Consumer complaint received 2020-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, Credit Report, etc. The accounts are attached.
Consumer complaint received 2020-02-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-02-19
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: DISCOVER BANK (MS)

XXXX XXXXXXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the XXXX XXXX XXXX XXXX page. What follows is food for thought not just with Discover Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership XXXX lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX XXXX XXXX, the plaintiff ... XXXX XXXX al, XXXX XXXX XXXX, Northern District of California, ... 

XXXX XXXX clipped XXXX XXXX entire message
Consumer complaint received 2020-02-19
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: JPMORGAN CHASE & CO. (MS)

XXXX XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX XXXX, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. jpmcb auto finance XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District CourXXXX, XXXX District of California, ... 

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Consumer complaint received 2022-12-16
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. (IA)

XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring XXXX XXXX to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXX XXXX  policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Consumer complaint received 2019-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (OH)

Received a letter from XXXX about breach at XXXX XXXX and that I had free credit monitoring. While looking over my credit report there was two accounts in collections with Diversified Consultant ( XXXX ) XXXX. One was for XXXX alert date XX/XX/XXXX and the other was for XXXX alert dateXX/XX/XXXX and I am not in the rear on any of my bills and do not believe these should be on my credit report.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I DEMANDED, they remove my natural person information from their records. There is NO " Specific Agreement form '' from any foreign corporation to conduct international commercial business with our natural person. Our natural person has been harmed by these actions. 

Sent certified mail to Transunion, XXXX, and XXXX. Sent Certified Mail on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

On XX/XX/2019, I entered my personal information online at XXXX. I was inquiring into a Home Equity Line of Credit. I immediately began receiving calls and emails, but all companies were offering Refinance options, and not Home Equity Line of Credit options. I dismissed them all. 

On XX/XX/2019 at approximately XXXX, I received a call from Quicken Loans. The representative asked " Are you looking to refinance '', I advised, " no, I am looking for a Home Equity Line of Credit. '' The representative then said " We have several options for you, all of your information did not come across from the web, would you please give me your date of birth ''. I provided my date of birth, and advised the representative " Do not run a credit check ''. The representative proceeded to discuss refinance options, and I began receiving notifications that he had just ran my credit without authorization. 

The representative maliciously ran my credit without authorization. This hit to my credit report will be history for the next two years. The entire call was recorded by the representative. I have taken out automobile loans, mortgages, and credit cards previously, and was always asked/warned before an attempt to run my credit was in process.
Consumer complaint received 2019-01-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NE)

I have requested several times to have consumer statements removed from my Equifax file. 

After each call, I received an email from Equifax with a confirmation number stating that my dispute to have the consumer statement removed has been completed, yet they still remain on my credit file. I have six such emails, all with different confirmation numbers, from each of my calls. The following dates are from the emails stating that the dispute is complete and that the statement has been removed. These confirmation numbers and dates are as follows : confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation number XXXX dated XX/XX/XXXX and confirmation number XXXX dated XX/XX/XXXX. 

I have talked to several representatives from Equifax that stated that my file would be updated within 24 hours and the consumer statement would no longer be on my file. I get an updated credit report from Equifax through a paid subscription, and the statement still remains. 
I continue to call them daily and speak with them, only to be assured that the statement will be removed this time, yet it never is. Every person has the right to remove a consumer statement from their credit file. Please help me address this.