davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
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. (MI)

Re : XXXX XXXX XXXX XXXX MI application for auto loan requests for credit history. 

Permission was given for only one credit inquire on XXXX XXXX XXXX and four were pulled on same date. One of the credit pulls was a duplicate. Permission given for XXXX XXXX XXXX XXXX, XXXX, MI ( a  duplicate pull ) and not XXXX XXXX, XXXX, MI, or XXXX XXXX XXXX, XXXX, MI. 

The above causes adverse credit which I have been trying to build these past few years. I want the three adverse inquiries cancelled.
Consumer complaint received 2019-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I asked for a bill showing what I owe when I saw a medical debt for {$770.00} on my credit report. The bill i received dated for XX/XX/2019 shows it has a {$0.00} balance with nothing due.
Consumer complaint received 2018-12-23
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: AES/PHEAA (GA)

XXXX  XXXX  ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

As of XX/XX/XXXX, Equifax is reporting to my credit report XXXX XXXX XXXX finance that was original opened on XX/XX/XXXX, this account is 8yrs & 6months old and according to the FCRA section s605 " accounts placed for collection or charged off to profit and loss which antedate the report more than seven years. I have reached out to XXXX XXXX XXXX XXXX as well as the credit reporting agency alone with complaints CFPB with no resolve. XXXX XXXX XXXX XXXX has continually to re-age this account. This account should be removed from my credit reports. I will wait the 30 days but if this problem is not corrected then I will have no other choice but to file a civil suit against all party 's involved.
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FRCA Violation credit card XXXX XXXX XXXX FRCA Violation collections XXXX XXXX  XXXX  FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

On XX/XX/2024, my new lender XXXX submitted a check to three lenders : XXXX XXXX, Firstmark Services, and XXXX. XXXX XXXX has already received and processed the check. Firstmark Services denies receiving this check as of XX/XX/2024, such that interest accrues both on this old loan and my new loan. I have followed up with XXXX to receive the check number for each old servicer and offered to provide this to Firstmark Services to expedite the process. Firstmark Services continues to sit idly as my interest accrues on this account, without offering to do anything to resolve the matter. 

As such, I am effectively paying double-interest on my Firstmark Services and my XXXX account.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Sunbit, Inc. (WA)

On Sunday XXXX XXXX, 2022 My credit card was stolen from my mailbox and activated without my consent. Neither myself or anyone in my immediate party activated nor used this card. I opened the account to have a safety net for my vacation. Unfortunately this card did not show up before I left. The transactions started around XXXX Sunday morning. whoever took and activated it went on a shopping spree and tried to get what they could as quickly as possible. All of the transactions took place in XXXX Washington. This would have been impossible for me to perform due to the fact that I was on a plane from XXXX XXXX  returning to XXXX. The first transaction took place at XXXX on XXXX XXXX XXXX XXXX XXXX, WA XXXX at XXXX am Sunday XXXX XXXX, 2022 in the amount of {$370.00}. The second transaction took place at XXXX on XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX Sunday XXXX, XXXX, 2022 in the amount of {$69.00}. The third location was smoke city for less on XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX on Sunday XXXX, XXXX 2022 in the amount of {$96.00}. The fourth location was at XXXX  on XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX in the amount of {$88.00} on Sunday XXXX, XXXX, 2022. When I landed in XXXX XXXX XXXX I received notification of fraudulent activity, which I immediately responded to. I shut off the physical card and alerted my company that the activity was indeed fraudulent. They have opened an investigation. Terminated my pervious card and have sent a new one. This will be the next step to make sure my identity wasn't stolen.
Consumer complaint received 2019-07-11
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. (CO)

I noticed my credit reduced due to a loan with XXXX XXXX. I never took out a loan, and have no knowledge of this loan. Not only did it negatively affect my credit, but I'm worried this is a matter of fraud and larger concerns may be of risk. Please reach out asap to help. Thank you.
Consumer complaint received 2022-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I've submitted multiple certified letters to Equifax, I was told that they did not receive the letter countless of times when I have time stamps showing it was received I was told by an agent at Equifax that they do not investigate any disputes their is Hard inquiries on my report that I did not authorize and every time i send Equifax a letter they claim they never received it
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (UT)

CBE XXXX XXXX XXXX XXXX This debt originated in XXXX  but was sent to collections shortly after. 
The Fair Credit Reporting Act says that if in collectionsm, it must show the amount of {$0.00} and the correct date of the debt. CBE is showing an open amount of {$820.00} as of XXXX. 
I have not contacted this Creditor or this collection agency at all since XXXX. They can not show this as of XXXX and should show {$0.00}. This has been 7 years and should also be close to be removed my report. 
CBE XXXX XXXX XXXX XXXX never reached out to me at all to even try to find out anything about this debt that I was told would be written off since I was unemployed and no insurance, They seem to have not recorded this information anywhere. 
I have disputed this at least 3 times with XXXX and all that has happened is XXXX  change the date illegally to XXXX. This is inacurate and false information.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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: U.S. BANCORP (CA)

I have literally for XXXX years been dealing with US Bank regarding a charge with XXXX. They sent me XXXX TVs, back in XXXX of 2021. I contacted XXXX letting them know about it, and they told me just to keep the TV. Then I realized I was charged for it. I contacted XXXX about the charge and they said we will make not of it, just let you credit card company know US Bank, that you'll be disputing the charge. Apparently the associate gave me the wrong information and should have told me to send it back. Which is irrelevant. I actually still have the extra TV that I only took out the box for space, that is still in the plastic and has never been used. US Bank sends me a letter saying they can't help me when I've been getting the run-around from them and XXXX for XXXX years and I spend thousands of dollars at XXXX. Next we have this horrific fraudulent rental car company called XXXX XXXX XXXX that has illegally charged at least XXXX of my credit cards {$270.00} when I have prepaid for the rentals. This is literally fraud and they know it and should be criminally charged. Because they did so without my authorization, saying it was just for a hold when I've prepaid all of the rentals. US Bank, just denied to handle the dispute while my credit card continues to be reported late, assessed late fees and more. I am so sick of these companies behaving like loan sharks. And here 's the kicker, every time I speak to anyone, whether it is US Bank, or XXXX XXXX XXXX, I've recorded the call or transaction EVERY, SINGLE, TIME. So the evidence and proof that I have is indisputable. The worst part is that I am someone with a XXXX XXXX XXXX XXXX and it takes so much to have to go back and forth and deal with these people. But, guess what? Now I'm taking my power back and reporting all of these companies that are behaving like it's the wild wild west. And that's the very reason I record everything, so you can't sit there and lie. And now, I will be taking each and every XXXX of them to court if need be. I have an XXXX, I've worked for the XXXX XXXX XXXX and the XXXX. And I'm about to work for the XXXX as a federal agent. So if they think that they can simply take my money, and allow fraudulent charges to remain without doing a proper investigation. I will sue you and see you in court. The can all join the XXXX XXXX  XXXX XXXX XXXX. I'm over it.
Consumer complaint received 2021-08-26
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. (NJ)

I have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with XXXX  and Experian, I was told that the information has been verified by a third party company called XXXX. 

I then contacted XXXX on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to XXXX  and Experian. on XX/XX/2021, XXXX sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my XXXX report. 

I contacted XXXX  and Experian on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
XXXX, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. Reporting that XXXX was able to verify this information with the courthouse, and that this record will remain on my credit report. 

Experian, closed this dispute on the Thursday, and XX/XX/2021. Experian also reported that XXXX was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my XXXX  and Experian report is not mine. The " third party '' that is selling this misinformation, ( XXXX ) is either continuing to sell this misinformation about me, or XXXX  and Experian are not truly " investigating '' the dispute I filed with them. Considering XXXX  was able to close this dispute within two days, over a weekend, tells me everything I need to know. Experian continue 's to say " The company that reported this information has certified to Experian that this information is accurate '', ( XXXX ). 

I expect to have this incorrect public record removed from my XXXX  and Experian credit report ASAP.
Consumer complaint received 2017-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (WV)

The XXXX XXXX XXXX is threatening to garnish wages. They already took my tax return but never let us know that they did it. I am still not seeing it as a reduction in what I owe them. It was most {$3000.00}. My debt has been sent to XXXX XXXX XXXX. Instead of trying to work with me on coming up with a payment I could live with, they are threatening garnishment. They also have huge interest charges every month so it is impossible to pay the debt off. I feel that the only way to get away from this company, is to file bankruptcy. The military star is ruining peoples lives. They are abusing the system. The government needs to look at their debt collection tactics.
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Carvana Group, LLC (SC)

I bought a XXXX XXXX XXXX XXXX through Carvana in XX/XX/XXXX. I called them in XX/XX/XXXX to report that the vehicle had no airbag. They did nothing until I reached the 12 month threshold in XX/XX/XXXX and they refused to address issue saying I had the vehicle over a year. I told Carvana that the VIN number in the dash of the car did not match the model car they sold me. My car is a XXXX model but the VIN matches a XXXX model. They did not respond. I don't know if they sold me a stolen car or not.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX/ {$180.00} / XX/XX/2022 XXXX XXXX  XXXX XXXX/ {$780.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$120.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (KY)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$9500.00} / XX/XX/XXXX XXXX XXXX XXXX / {$210.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$240.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX  / {$84.00} / XX/XX/XXXX XXXX  / {$460.00} / XX/XX/XXXX XXXX  / {$460.00} / XX/XX/XXXX XXXX  / {$280.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX ( Original Creditor : )/ {$20.00} / XX/XX/XXXX
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (NM)

The debt collectors communication was extremely unprofessional. His tactic was very aggressive and profane. He was harassing me about my personal reasoning. I had asked him to call me back when it was appropriate because I was on my way to work. He then started to argue with me. I had already told him to document in my notes that I would pay my balance in full the next day. He continued to yell at me and when I hung up.. clearly my credit score took a hit because of his unprofessionalism.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (KY)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$9500.00} / XX/XX/2022 XXXX XXXX XXXX / {$210.00} / XX/XX/2022 XXXX XXXX  / {$750.00} / XX/XX/2022 XXXX XXXX XXXX/ {$240.00} / XX/XX/2022 XXXX  XXXX  XXXX / {$260.00} / XX/XX/2022 XXXX XXXX XXXX XXXX  / {$84.00} / XX/XX/2022 XXXX  / {$460.00} / XX/XX/2022
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$210.00} / XX/XX/XXXX XXXX XXXX / {$750.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$240.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$260.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$9500.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX  / {$84.00} / XX/XX/XXXX XXXX XXXX / {$74.00} / XX/XX/XXXX XXXX / {$460.00} / XX/XX/XXXX XXXX  / {$280.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (IL)

Kabbage sent me a debit card I did not apply for. They demand information and a police report before they will do anything, which is super excessive over just receiving a card in the mail. 

I received the card on XX/XX/2021. I called them, and they were not at all helpful. I just want the account closed and I can't do it. This is fraud and abuse.
Consumer complaint received 2021-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

It started with my XXXX they hacked my XXXX from my XXXX they hacked my XXXX XXXX XXXX XXXX they hack well my phone otherwise I changed my phone number I change my XXXX XXXX and they still was taking everything for me I didnt know what To do