davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CA)

I submitted a complaint on XX/XX/XXXX regarding student loans with Discover Loans. The # we were given is XXXX. This is with Discover Student Loans. I received an email that my complaint and documents were sent to Discover XX/XX/XXXX. I have not heard from any since them. Is this case still open?
Consumer complaint received 2021-07-22
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: SYNCHRONY FINANCIAL (TX)

I have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX , XXXX XXXX, SYNCB, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded to me.,
Consumer complaint received 2021-07-22
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: Credit Management Control, Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... CREDMGMTCNTL ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-07-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

Navient misallocated payments, steered struggling borrower toward NOT BEING ABLE TO RECEIVE INcome-driven repayment plans, and HAS provided unclear information on how to receive a forbearance and deferment for the student who receives public assistance and who is unemployed.
Consumer complaint received 2022-07-26
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. (NY)

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/2021 {$5000.00} was removed from my account by an unknown person. I had noticed a few days later that someone hacked into my online banking and changed my contact information. I immediately changed everything back and changed my password, then noticed the bank and was given the phone number for the Fifth Third Dispute Department. I filed a claim and was denied being told that I was the one who put the money into a XXXX XXXX account. I explained the situation and the bank is continuing to say I did this after four disputes. I have been fighting to get my money back for almost 7 months now. I have been told that my identity was verified by a text message but I can not get the phone number that was used. I have tried getting a number for the investigator from the bank and I was told that I can not speak to said person. I have also called XXXX XXXX and they do not have me in their system. I am a student paying for classes out of pocket and the money that was stolen was to pay for my classes. I dont know what else to do at this point. No one will help me.
Consumer complaint received 2021-07-22
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 (MS)

Two of these companies have ran my credit several times without my permission, I hired someone to repair my credit last year and during that time frame I have several inquires that I do not recognize and the company I paid to repair my credit turned out to be a fraud
Consumer complaint received 2022-12-01
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 previously disputed a collections account reported on my credit report with XXXX and TransUnion. I disputed the reported item from the collection agency XXXX XXXX, ( original creditor XXXX XXXX ) because I requested to end the services with the XXXX  company, XXXX XXXX, and had a XXXX balance with nothing else owed on my account at the time the account was closed. Each time I disputed this item with the credit bureaus, I requested that the collection agency provide the original contracts from these XXXX  companies, as well as proof of the remaining balance owed. The collection agency was only able to verify I was once the account holder. Neither XXXX or TransUnion investigated beyond this. They did not require the collections agency ( XXXX XXXX ) to provide any documentation to verify their claim of the amount owed. This item is still reported on my credit report and adversely affecting my credit score.
Consumer complaint received 2021-07-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (TX)

Received an email from someone claiming to file and misrepresent themselves and call my job and put me in jail saying they represent some loan companies. Says upon receiving this email they will issue a legal warrant on my name within the next couple of hours and if I email is forwarded then that its prohibited and illegal. I do not know the firm pertaining to this debt. They have my social ( someone stole my social and filed unemployment ), drivers license number, date of birth from an address 8 yrs ago.. says I can lose my job, and downloaded into the state and county systems and all 3 credit bureaus. Name of company is XXXX XXXX XXXX, XXXX XXXX, Sr. Investigator @ XXXX XXXX XXXX. XXXX. They have all my personal information on this email which is not secured and asking for {$8300.00} as my loan 8 yrs ago was for {$700.00} or $ XXXX.I believe its a scam.
Consumer complaint received 2022-12-01
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 of 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This debt collection company reported an ALLEDGED debt on my consumer report. They never gave me the 5 requirements of validation of the debt or even a notice of the debt. This is a violation of 15 usc 1692g. They are also furnishing my report and creating misinformation of my character and this is also considered abuse which is also a violation of 15 usc 1692e and 15 usc 1692d. They are using unfair practices in constituent with 15 usc 1692f because they are furnishing my credit report for a means to collect an ALLEDGED debt which is also illegal. As a consumer I can only validate debts which I do NOT validate. This collection agency also collected my information from another company who said i owe this ALLEDGED debt without my consent which is also another violation of my consumer rights.
Consumer complaint received 2021-07-22
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: Bread Financial Holdings, Inc. (AL)

Received a notification from XXXX  stating comenitycapital/XXXX, got a copy of my XXXX  credit report and i have no known knowledge of applying for anything with or related to this company.
Consumer complaint received 2021-07-22
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: AFNI INC. (CO)

On XXXX I sent a letter to validate that this alleged debt reporting was in fact mine. on XX/XX/2021 They responded with a generic letter stating that they verified the account, which by no means does their letter validate that this was me that had this account. I sent a letter to follow on XX/XX/2021. 

They are re-aging the account monthly- which is illegal to do so, and an FCRA violation. 

Please see all attached documents.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (SC)

XX/XX/2019 - Was removed from electronic statement without any notification and charged {$3.00} for a paper statement. No notice was given. This must be some change due to the XXXX XXXX XXXX buying the bank, but customers are getting screwed by the bank. 

XX/XX/2019 Contacted company in writing to notify of unauthorized ( FRAUD ) charge on my business checking account. 

No one has responded and no credit was given within 10 days as required by law.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio recovery states that when you pay your account, after the final payment they will do a tradeline deletion on there accounts.they will send out letters to the 3 credit bureaus and request a tradeline deletion. I have learned that this services goes against the consumer data industry association guidelines and undermines the credit system. When you look at your credit report there is no deletion, when you call the credit bureaus they are clueless, when you call portfolio recovery they just say that they sent the letters to the bureaus and state what date they went out, when you press them for more answers they don't know. This is in my opinion false advertising to the consumer and they should be held liable.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} 2. XXXX XXXX  XXXX {$560.00} 3. XXXX XXXX XXXX  {$120.00} 4. XXXX XXXX XXXX {$180.00} 5. XXXX XXXX XXXX {$2000.00} Inquiries 1.XXXXXXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX
Consumer complaint received 2021-07-22
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: Santander Consumer USA Holdings Inc. (NC)

The company Chrysler Financial incorrectly reported me deceased on XX/XX/XXXX.My account was current at that time. I called and and requested I fax them certain documents as proof I was still alive I did so.I thought things were good a month later I paid my payment but then after the payment started getting harrassed by debt collectors they said the company had charged off my account I asked why because I was not deceased and it was current they said just because no one updated the info I sent in into the computer that she would do it now and fix things .I thought it was fixed again when now I have found they deleted my whole credit history with that company 5 years off good payments are now gone and my credit score went down and I was refused credit This has greatly effected me and caused me a big hardship and still effecting me
Consumer complaint received 2021-07-22
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-22
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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (VA)

Bb & t told me I could enter into Covid forbearance program without having any negative credit reporting consequences. I recently applied for a job and was told they went w other candidates and it didnt help I showed forbearance on home mortgage on my credit report. This clearly hurt me even though bb & t told me I would not be negatively impacted by using the Covid program. My taxes bailed out BB & T. Why wont they honor their word and take this off my credit report so I can get a job back in financial advisory services. Thanks.
Consumer complaint received 2018-05-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc. (MN)

I submitted a form on XXXX that espoused free auto loan offers that did not impact my credit score. I only gave them the last four of my social security number. They then proceeded to provide that information, although with my FULL social security number ( no idea where they got that ) to lenders that then pulled hard inquiries on my credit file. I did not authorize the hard inquiries and am now having to chase down the individual lenders to remove the inquiries, as XXXX XXXX says there is nothing they can do now.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BSI Financial Holdings, Inc. (PA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase has closed two of my business credit cards, the first business card was the ink preferred, and then i went to apply for the INK BUSINESS UNLIMITED and got approved so then when i got my card i went to the XXXX XXXX to purchased computers for my business to take advantage of the 12 months 0 % interest, During at the store i got declined and i called chase and every person i talked to couldn't give me an answer as too why my charges got declined, i was approved for a XXXX credit limit, that i couldn't use.I was getting transfer back and fourth to different people saying they couldn't access my account which was really odd. A week later i get a mail stating that both my accounts where closed. Its a business card there are going to be huge amount of purchase reason why i got a business card and not a personal card ....