davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (NY)

For the past several months I have noted an increased amount of alerts from all three credit bureaus as well as incomplete accounts being listed as well. Some accounts are showing duplicate listings for the same exact debt and I had an account appear from 2006 which has long been resolved and is paid in full. When I reach out to XXXX, the representatives do not have adequate knowledge on the statute of limitations and could not explain why some listed accounts are incomplete and missing vital information. This is of great concern to me as I am in the process of repairing my credit as well as dealing with breaches in the sharing of my personal information. I am requesting this investigation as the credit bureaus should be following the same policies, protocols, and regulations as the general public is held accountable for.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

After reviewing my consumer report, I found several inaccuracies. According to the law before any information inserted on my consumer report, it should be accurate. This not my debt and I have requested validation of such debt. ( see attached ) Pursuant to 15 USC 1681b ( 2 ) 2, it states that as a consumer, for everyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. According to the FAIR CREDIT REPORTING ACT I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

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 | Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-07
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. (NM)

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: SYNCHRONY FINANCIAL (CA)

PayPal Credit charge {$140.00} ( Supported they charge a annual amount ) Under XXXX XXXX company in XX/XX/2024 I noticed this charge in XXXX XXXX. I email the company by the email what provide in PayPal account charge, the company not had Customer Service Phone number, Address or another information where you can contact them. Like i didn't find anything. I will do a case in PayPal they answer me recently in XX/XX/2024 and said the company is correct charge. But not!!! is a fraud company, they didn't exist for the consumers... they dint have customer service. I will go with the XXXX and with anywhere for report this company because when i XXXX them they have many fraud or charge disputes. Today i contact PayPal Credit they cancel my account and open a new account for they did not charge again. I need my full refund of {$140.00}. I keep my XXXX account with all the payment in time for not have a problem with them. 

Please your help XXXX XXXX is a fraud company!!!!
Consumer complaint received 2021-03-31
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. (MA)

The negative point drop with XXXX and XXXX point swings for no reason its the second time I have noticed it and in a month it will go back up but not the total that was subtracted there credit reporting is out of control Not sure if companys actually look at there numbers but its really unfair
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (IL)

I applied for an auto loan in XX/XX/XXXX, with my credit union. I was told by the credit union that I had a collection on my credit report. I reviewed my credit report with two of the three credit bureaus. I was unable to get an online copy of my credit report from XXXX. I was able to get a copy of my XXXX  and Experian credit reports ; there was a collection from XXXX XXXX XXXX. 

In XX/XX/XXXX, I filed a dispute with both XXXX  and Experian credit bureaus with a copy of the payment. 

In XXXX, I sent XXXX XXXX XXXX a copy of the payment paid to University XXXX XXXX XXXX back in XXXX after they contacted. 

XXXX  removed the collection from my credit report in XX/XX/XXXX. Experian has refused to remove this collection from my credit report. 

I have consistently been disputing this debt with Experian as being paid : XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Experian decided that the collection was correct even after receiving proof of my payment. I have also called Experian customer service twice regarding this issue. I was promised a call from a supervisor which I never received. 

I paid the debt I owed the University XXXX XXXX XXXX in full XX/XX/XXXX. Yet, Experian has allowed XXXX XXXX XXXX to put this debt on my credit report as a collection in XX/XX/XXXX.
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (NJ)

I sent a wire from my bank account at XXXX XXXX to Kraken. My funds sent via XXXX XXXX  to Payward can not be deposited - I was told to wait up to 10 business days for my funds to be credited. That is simply unacceptable and needs to be investigated.
Consumer complaint received 2023-04-07
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2020-09-15
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. (IL)

I am the victim of identity theft. Report XXXX I filed a report with the police department I also contacted the credit bureaus in particular TRANSUNION what I received was an incomplete investigation under thirty days and a response that states this Ironeous debt from heritage was verified. 
I questioned there verification process and I believe I am being ignored I asked for an original signature neither TRANSUNION or the creditor heritage can provide me with a copy of the original signature and or even the original credit application this leads me to believe TransUnion did not validate this debt as mine and they refuse to delete it from my report this has caused me more XXXX  and I am already ill. 
I have a police report that was filed, I have been ill in the past and I did not always check my credit until recently nevertheless I should not have to go thru this and more evidence needs to be completely documented with actual proof. My rights are being violated under section623 and I have no choice but to seek legal Action. 
And with covid it was difficult to get out and file a report sooner due to the pandemic as I checked my report as a whim and recently saw this on my report.
Consumer complaint received 2023-04-07
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. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent items under the provisions of the law and am requesting a free copy of my report and all information regarding this matter be provided. 

The fraudulent accounts are as follows : 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 2019-04-04
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: American First Finance, Inc. (IL)

I have about 39 hard inquiries on my credit report that I do not reconized and did not authorized from different places. I have called two out of the three credit bureuras and was denied when asked them to removed the I was also told I had to wait the two year waiting period so they can fall off. I have contacted they companies that said I gave they permission to do a credit check and I was told it was nothing they can do about it
Consumer complaint received 2019-04-04
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: SYNCHRONY FINANCIAL (IL)

I have about 39 hard inquiries on my credit report that I do not reconized and did not authorized from different places. I have called two out of the three credit bureuras and was denied when asked them to removed the I was also told I had to wait the two year waiting period so they can fall off. I have contacted they companies that said I gave they permission to do a credit check and I was told it was nothing they can do about it
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

XXXX purchased a dining table from Macy 's for {$3000.00} on XX/XX/XXXX -The purchase was placed on a Macy 's credit card and was eligible for a 0 % apr rate for 12 months -After taking delivery, I planned on paying off the purchase before the promotional period was over. After I randomly audited my Macy 's credit card portal, I learned that I am being charged a variable interest rate ranging between 28 % and 31 % apr ( this equates to approximately {$90.00} in interest ), which should have never been charged. 
XXXX reached out to Macy 's credit card customer service and was told that the individual who created the purchase order did not setup the promotional apr as part of the order. 
-The resolution provided by Macy 's credit card customer service XXXX that they will reverse XXXX and XXXX ( 2 months ' worth of interest payments ), and I would still be liable for the other 4 months ( XX/XX/XXXX - XX/XX/XXXX ) and any future interest. 
-Please use the call I placed to Macy 's credit card at XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX and her supervisor, customer reps at Macy 's credit card as a reference or evidence. XXXX explicitly acknowledged this was an internal error but can only offer the 2 months interest reversal as a resolution. 
-I have no other recourse as a consumer and would like CFPB 's assistance to help protect me as a financial consumer.
Consumer complaint received 2019-06-11
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. (AZ)

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (IN)

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report
Consumer complaint received 2023-04-06
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: Avant Holding Company, Inc. (FL)

In accordance With the fair credit reporting act XXXX  account number XXXX has violated by Rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-04-05
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2023-06-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Dispute Regarding Equifax 's Willful Neglect, Failure to Investigate, Provide Required Documents, and Compensation for Credit Damage I am writing to dispute Equifax 's willful neglect, failure to investigate, provide necessary documents, and compensate for the damage caused to my creditworthiness and reputation. Their actions have also violated my rights under the GLBA, FDCPA, and FCRA regulations. 
Equifax has displayed a willful neglect of their responsibilities by failing to conduct a timely and thorough investigation into the alleged debts. Despite my repeated requests, they have not provided the necessary documents and have continued to request identification that I have already provided, resulting in unnecessary delays and hindrance to the resolution process. 
This willful neglect has resulted in significant harm to my creditworthiness and reputation, causing distress and impeding my ability to access credit in good faith. I firmly believe that I am entitled to fair compensation for the damages incurred as a direct result of Equifax 's negligent handling of my credit information. 
I kindly request your immediate intervention to ensure Equifax 's compliance with the law. This includes a thorough investigation, provision of necessary documents, and appropriate compensation for the significant damage caused to my creditworthiness and reputation.
Consumer complaint received 2019-04-04
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. (CA)

XXXX XXXX credit card is being reported negatively on my credit files and has been removed and then appears again.this is a fraudulent account that doesn't belong to me. This has been disputed and was resolved and removed and thought to have been handled and then the account reappeared. I have sent the credit bureau the police report and dispute as well as XXXX XXXX XXXX and was advised this would be resolved.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.
Consumer complaint received 2024-03-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (KY)

Back in XX/XX/XXXX I got an email Sallie Mae Customer Service about an estimated payments from the repayment of my loans and it was a total XXXX dollars. Then I receive in with other email estimated payments XXXX dollars. I call Sallie Mae Customer Service to ask if there was another option of repayment or just income base payment paid. They replied with the response that the income base was not a option and that they was no way they could lower the payment. In XX/XX/XXXX a monthly payment came out of XXXX due to a a payment of a loan payment and then I was under the impression that my payment was going down. In XX/XX/XXXX there was a payment of XXXX taken out of my account.When called Sallie Mae Customer Service I told there was no way I keep taking this out account a month. they replied there let it go into a default they said that it would be 60 days that i could basically go without a payment.