davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

so i have been trying to get my personal information corrected since 2021 i have sent dispute after dispute and the reporting agency refuses to update my information to the correct information they are violating my rights under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). the credit agencies are not reporting my infomation at 100 % accurate and every attempt of contacting them has been met with silence
Consumer complaint received 2023-04-10
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. (NC)

When I review my updated credit report in XXXX XXXX, I see that the same accounts were inaccurate. The 3 credit Bureaus are required to validate and reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$3500.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX : {$330.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

A few weeks ago, I was completely locked out from my Venmo account. After submitting a complaint on this platform, I got a call and I was able to login on the app after about XXXX weeks. I am still having a problem logging in on a website or having a connection from 3rd party application - XXXX XXXX XXXX XXXX. I am getting XXXX error. It is critical for me to access Venmo from a browser and have a connection from XXXX products. Venmo is not communicating about the ongoing issue and there is no estimate for when it will get fixed.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

Inconsistent AND incorrect contact information provided to CRA 's for : RESURGENT CAPITAL SERVICES, as follows : wrong address provided by creditor ( address verified by USPS certified mail ( receipt attached ) ) Issue 1 : ( WRONG ) Address shown on XXXX  XXXX Credit Report : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( CORRECT ) USPS verified address : C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Issue 2 : variance in contact address/POC information for reporting XXXX  reports the following contact information for CACH , LLC : Contact CACH , LLC XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  reports the following contact information for CACH , LLC CACH LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( INCORRECT ZIP CODE PROVIDED ) ( XXXX ) XXXX XXXX  reports the following contact information for CACH, LLC/RESURGENT CAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-03
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: Credence Resource Management, LLC (VA)

XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the 4 Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES. 
If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.
Consumer complaint received 2023-04-03
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. (NY)

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. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

My loans are with Navient. On XX/XX/XXXX I re-certified my XXXX application. I did not get a response until roughly XX/XX/XXXX. The response indicated that they were attempting to certify the application, but it has yet to be processed fully. At that time, I became somewhat suspicious that Navient was not handling my application properly. On XXXX XXXX I got a letter stating that my loan was being prepared to be fully designated for repayment. At that point I contacted Student Loans. gov. and my States ' Higher Education Department. I was then advised to speak with a Navient Student Loans manager directly. I did so on XX/XX/XXXX, and explained my issue and was told that they would review my complaint forthwith. In XX/XX/XXXX I received a letter indicating that my loan was about to be put in default and also reported to the credit bureaus. Shortly after I received an electronic letter from said manager with her decision in the matter. The electronic letter was encrypted, and I was not able to open it. I then contacted XXXX again to ask for this complainant to be escalated to the ombudsman. Still to this date I've not heard for ombudsman. In the meanwhile, I started getting collection calls from Navient. In XX/XX/XXXX I was contacted by Navient collection representee who informed me that my original application for XXXX was denied because I indicated that my income would change in the upcoming year XXXX. I disputed this and asked for documentation showing when/where this statement was made. The representative said she didn't have this information available, and she would investigate but in the interim I need to make my account 'current ' through temporary forbearance and then re-submission of IDR application. I asked why do I have to re-submit if you going to investigate? She stated that the investigation takes time and I need you to make the account current immediately through forbearance. Since this discussion I've become very suspicious that Navient dismissed my original application to reap more interest and steer me into un-necessary forbearances. The reason for my suspicion is validated by my discovery through SLG of my original application that made no mention of so - called " expectation of future year additional income. '' Furthermore. I've witnessed this tactic with Navient before and it now seems to be a pattern when applying for XXXX. Thank you for your consideration and please advise.
Consumer complaint received 2019-04-19
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)

XXXX XXXX XXXX solicited me to apply for a personal loan product telling me that I was pre-approved for up to {$80000.00} based on credit report information which is only improved since they pre-screened me. I called the number and the advertising mail piece attached to this complaint spoke to an agent who took my loan application ask for permission to pull my credit for the evaluation of loan programs, told me that my application would be sent to underwriting and they would get back to me within four days. Within 24 hours the same agent called me back and told me that I was not eligible for any loan products even though my credit information was exactly what it was during the pre-screening process which they did not deny or confirm however I know that because I monitor my credit closely. during the application process they asked for my permission to access my credit report for the evaluation of loan products. When they called me back and told me I was declined they informed me that they had evaluated my application and credit information for another product or service that I never applied to and then I did not intend to inquire or apply for this is a violation of the Fair Credit Reporting act is also a violation of unfair deceptive acts abuse has and practices known as udaap. They used my credit report for a non permissible purpose. Violating the rule for permissible purpose under the fcra.when I attempted to complain about the use of my credit information for a non-permissible purpose the agent raised their voice and denied that I had only allowed them to pull my credit for loan options, which was a total lie. They never disclosed to me ( on what they said was a recorded line ) that I would be evaluated for anything other than a loan product. Nor did they explain it ask that my credit report information would be used for any other purpose than applying for a loan.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have disputed the information directly with XXXX XXXX XXXX and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-07-22
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. (LA)

I told the XXXX, Transunion, and XXXX to reinvestigate this alleged collection account : Account name : XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX process a transaction that I was not approve of, I contact Capital One regarding this matter. I have express to Capital one that this transaction was not approve from me and that I have try to get into contact with this company many time therefore have not receive no response from this company. I have receive an email today XX/XX/2019 regarding they have denied my claim and refuse to fight for my payment back. 
I have made it clear to Capital One that this transaction has no sign document, written, oral agreement for this transaction. I also made it clear that this company have took their service back and I no longer have their product. Capital has refuse to take matters in action.
Consumer complaint received 2018-04-18
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: CITIBANK, N.A. (TX)

I contacted the said company to dispute account and was sent paperwork to fill out a fraud report. On XX/XX/2015 this account was opened without my knowledge. In the amount of {$3100.00}. I didnt authorize this account. I didnt purchase anything ever from XXXX XXXX XXXX. Ive had only one phone company for 15yrs and that is with XXXX not with XXXX XXXX XXXX or XXXX.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CHALLENGE FINANCIAL SERVICES (IL)

Incorrect amount owed High balance was XXXX after disputing this because this vehicle was sold with permission of finance company The new owner didnt keep there obligation to the finance company I did not agree to stay on this loan every time I tried to resolve this issue they charged me additional money the last payment that was made on this vehicle was made on XX/XX/XXXX they have since my multiple disputes they have from may of XXXX until XX/XX/XXXX change my credit file to 180 days late and fraudulently claim the balance owed is XXXX the actual balanced owed was XXXX this was done in retaliation to my multiple disputes
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MA)

This is about a Lowes / Synchrony Bank Credit Card. Cardmember services help me with my card and when I get the next moth 's statements ... the Cardmemember Services are malicious moving money around in my account so that I end up paying interest cahrges or not making the promotional expiration deadlines.
Consumer complaint received 2018-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

Approximately in XX/XX/XXXX, I knew that my student loan repayments were going to begin in XX/XX/XXXX. I decided to make an early payment and set up auto-payment through NelNet. I visited the website and attempted to make my first payment in XX/XX/XXXX and set up my auto-debit payment account. In XX/XX/XXXX, I received an email from NelNet stating that a certain amount was going to be taken from my bank account. After they took a certain amount from my bank, I received another email stating that they were going to remove another amount from my bank account. I was confused on why they were going to be taking from my bank account twice. They said that their system default does not necessarily make all payments deductions on one day. I was confused on what my monthly minimum payments was. Even though I was speaking to the representative, she could not give me a straight answer. I asked her to please make all my monthly payments due on one day and she confirmed that she would. On XX/XX/XXXX, I contacted NelNet requesting that my payments be due on the XXXX of every month. The representative stated that the amount due on XX/XX/XXXX was already processed and that could not be changed. I said that was okay, but please starting in XX/XX/XXXX, to please change the due date to the XX/XX/XXXX. I was told that the next auto-payment would be processed on XX/XX/XXXX. So a total amount of $ XXXX was taken from my bank on XX/XX/XXXX. But then I received another email on XX/XX/XXXX stating that the same amount of $ XXXX was going to be processed on XX/XX/XXXX. I immediately called NetNet informing them that this was a mistake. The representative confirmed that the system noted the next payment was supposed to take place on XX/XX/XXXX, but for some reason they could not do anything about the amount being processed on XX/XX/XXXX. They said they could not do anything about it.
Consumer complaint received 2022-11-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion XXXX XXXX XXXX have been put on notice over 30 days ago in regard 's to three collection companies that are unlawfully violating the fair credit reporting, again I have sent out legal documentation letters and corespondences XX/XX/XXXX asking them to take action and remove derogatory unlawful reporting is now going on 60 days and still reflecting on profile again I sent out court orders/case number and relevant information to remove imediatly XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX all three credit bureaus should receive Thursday XX/XX/XXXX and should immediately remove from report, the bureaus have stalled time after time regenerating 30 day investigation my documents qualify for immediate removal
Consumer complaint received 2018-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed with XXXX, XXXX & Transunion the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Ive called this company spoke to a customer service agent as well as a supervisor. Neither of the calls made yielded a contract saying I was in an agreement with them. They say they are a third party agency that bought a debt and I need to pay them {$200.00}. I do not owe this company any money, nor have I signed an agreement to pay them any money on behalf of any person or business. I asked for the comp [ any to send me the original contract for this agreement and I was told they do not have it. Please remove this from my credit report as a derogatory item.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I got a preapproved letter from Bank of America to apply for card. I was declined. My credit is excellent. When I called, no one could look at the application to see if error was made and the associates told me it was all done though a computer and no live person was available.
Consumer complaint received 2023-08-19
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)

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.