davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (VA)

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 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
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. (CA)

I decided to check my credit report, and I noticed some unauthorized an unrecognized inquiries. 

( TransUnion, they are as followed : ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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, THEY ARE AS FOLLOWED :

) 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 they are as followed : ) XX/XX/XXXX XXXX XXXX XX/XX/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  matter of fact, any inquiry made in XXXX, or XXXX of XXXX is unauthorized an unrecognized
Consumer complaint received 2019-04-05
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)

XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name
Consumer complaint received 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ORG GC GP BUYER, LLC (NE)

I was garnished and am trying to contact companyvto work w them and get basic info on acct. No answer and i am waiting on taxes need to know if company has rights. Also amount seems way off my balance needs a detailed history of interest and payments.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (WA)

In accordance with the fair credit reporting act XXXX XXXX account # 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
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX XXXX I opened a credit card with Bank of America ( who I bank with ) and only used the card once or twice for gas and always immediate paid it off, never carrying a balance. I simply stopped using the card and in XXXX of XXXX unbeknownst to me I was charged an annual fee. I had moved at the end of XXXX and Bank of America had an outdated address and my mail was not forwarding with 100 % accuracy, therefore, I missed the statement/ bill that said I had a balance outstanding due to the annual fee ( about {$40.00} I believe ). I was not setup with online banking and not once when I went to the bank to withdraw funds/ deposit checks did they notify me of the problem. I was also not setup with online banking, which after this experience I am. After two months they simply closed my account and I did not find out about it until I went to apply for a loan and was informed that my score had dropped significantly. I would think that after getting returned mail BofA would take the initiative to attempt to contact me in some other fashion outside of mail, but they did not. The account is now showing as " Paid '' but the negative remarks as far as being " late '' on payments right before they closed it is significantly impacting my ability to qualify for a loan/ additional credit. 

I called BofA and they said they could NOT simply change what they were reporting to the credit bureaus, and told me to file a dispute with XXXX  and XXXX. I did just that and both came back saying that everything on my report is showing as accurate. What is so frustrating is that BofA is telling me to contact the credit bureaus but then the bureaus are telling me to contact BofA to resolve this! 

My dispute date with XXXX  is XX/XX/XXXX and my confirmation # is XXXX. 

My report # with XXXX is XXXX.
Consumer complaint received 2019-04-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

i cosigned for my grand daughter years ago and this should not be on my report negatively she is actively paying on it and it is corrected and i was only a cosigner so therefore if her standing is good mine is as well this affecting my life drasticley im XXXX years old and on a fixed income this actually makes my bills higher that i can not afford
Consumer complaint received 2019-04-05
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. (CO)

XXXX ; XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (MS)

On XX/XX/XXXX, I, XXXX XXXX, pulled my credit report and found several inaccuracies. On the same date, I faxed over dispute letters as well as sent them physically by mail. Unfortunately I have had little to no success with the removals of these incorrectly reporting items. I have not received any correspondence from the bureaus electronically nor by mail. Upon calling the number for the credit reporting agency, I was bounced back and forth between agents who were not willing to assist me but instead continually placing me back in the que for another agent to do the same, a vicious cycle. Repeatedly and consistently, I have sent letters and faxed letters every 30 days although I am not receiving any response. XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, are the dates I have contacted this agency to no avail by mail, fax, and phone. They are beyond their limits to provide proof of the are beyond their limits to provide proof of the validation and the method of validation as requested. All inquiries unauthorized listed in the letters attached as well as the accounts, have received no response as far as the outcome of the investigations or if there was an investigation that took place. I have been left in the dark this entire time throughout this investigation and no proof of ownership of any accounts in dispute has been provided and they have been unwilling to remove countless unauthorized inquiries nor provided proof that any of them were authorized by me which they were not. To be noted, Bankruptcy Validation letters were sent twice, over one month apart.
Consumer complaint received 2022-07-20
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. (NV)

I HAVE CONTACTED EQUIFAX ON NUMEROUS OCCASIONS TO LET THEM KNOW THAT THE INQUIRIES ON MY CREDIT REPORT ARE IN ACCURATE. I HAVE SENT OVER MY FTC REPORTS AND THEY STILL HAVE NOT REMOVED THE FRAUDULENT INQUIRIES. 

FRAUDULENT INQUIRIES : AOD XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-11
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: CL Holdings LLC (LA)

A complaint was file in 2021 ( see XXXX ). The company removed the item from my credit report but has since reported it, again, causing damage to my credit report. They have continued to update the reporting in order to cause further damage to my credit profile. 



They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the XXXX  Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2023-08-17
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. (FL)

There is an account that is being reported on my credit report identifying me as an authorized user on that account. This account is not associated with me in any way possible, I did not authorize this account and have XXXX knowledge of that particular account. I reviewed my Equifax credit report and notice that a fraudulent account is being reported on my credit report. I contacted the company directly and tried to resolve the issue but they informed me that I do not have an account open in my name that is associated with them so they were unable to identify me and help remove the fraudulent account. They advised me to reach out to the CRA Equifax and request they Delete the fraudulent account entirely off my credit report, but after speaking to Equifax over the phone they have not placed a dispute on the account and have not resolved the issue.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I was contacted by Synchrony Bank asking permission to change my telephone number on my account at which time I said NO. Upon further questioning, I was advised the address was already changed and new cards sent. I asked that they be flagged and new card sent and my address changed back to " my '' address. Later when I was unable to access my account I called back. After 4 attempts I was finally able to connect with someone and eventually transferred to fraud. 3 more called they requested I send a copy of my driver 's license and another credit card bill showing " my '' the address that was on the account before the change in XXXX. I sent, they received XX/XX/XXXX- but I had not heard anything so I called again today. Ultimately was transferred to a " supervisor '' who informed me my documents were rejected and that I needed to now submit a bank statement. I asked several questions which he was unable and/or refused to provide answers. Basically said to send the document and it will take another XXXX days to process. Asked if they will contact me this time and would not provide an answer. I am XXXX XXXX XXXX. This is extremely upsetting and the lack of customer service, assistance, communication from Synchrony is just unacceptable. What actions as a consumer do I have to get a timely acceptable resolution?
Consumer complaint received 2023-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

Starting in XX/XX/XXXX Mohela artificially stopped auto-payments and set my loans to forbearance. At the beginning of the payment pause due to Covid, I had specifically elected not to pause payments. Prior to XX/XX/XXXX, my payments had remained the same with the entirety being applied to the principle. Artificial stoppage and no means to rectify was the issue, their prescribed work around was to manually make payments until XX/XX/XXXX despite it working previously. This was a call, was recorded, involving a customer service rep, their XXXX, and an individual in IT? 

As of today, Mohela has reset my graduated repayment plan to the full XXXX? year despite having already been enrolled for 15 years. Previously my payoff was to occur primarily in XXXX, now XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had FIVE late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo denied an unauthorized transaction case I reported and decided to take back the money they credited to my account and said the transactions were authorized. 

The claim is # XXXX. 

These transactions couldn't have been me at all. I haven't left the United States or made any purchases in XXXX  XXXX XXXX. Can some of you guys please look into this nonsense and do something about it? I didn't have this debit card in my possession at the time, neither did I have my wallet or belongings such as my phone ( which was also lost ). 

The fraudster used {$4400.00} of my money all in a few hours. This is way outside of my normal spending limit and activity. I called Wells Fargo and the agent said they couldn't reverse the decision. This is insane and absurd. Can someone do something about this????
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-31
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. (LA)

In

accordance with the Fair Credit Reporting Ac t. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XX/XX/2017 a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$160.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2018-12-22
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: EQUIFAX, INC. (HI)

I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2019-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (RI)

I originated a {$63000.00} outbound transfer from my Ally Bank savings account to my XXXX XXXX checking account on XX/XX/XXXX, before the XXXX cutoff. The transfer was delayed -- the funds were not received the next-day ; instead, the funds were credited to my XXXX XXXX  account on Monday, XX/XX/XXXX. Reading Ally Bank 's Transfer FAQs, it says, " we determine eligibility for next day transfers based on account tenure ( I've been a customer for 8 years and opened this particular account 6 years ago ), account activity ( I transfer-in {$1500.00} every month from my XXXX XXXX account ), and transfer activity such as overdrafts and returns ( I have NEVER had an overdraft or return on this account or the three Ally accounts I own ). To combat fraud, we are selective about when we offer next-day transfers. '' There was NO RISK OF FRAUD. Again, I was transferring money BACK to the account I've used for 6 years to fund the Ally Bank savings account. 

I called Ally and asked to be paid interest for the time my money was MIA. Funds were withdrawn on the XXXX, but not credited until the XXXX. Ally refused -- they said there was no error. I believe I was treated unfairly. Ally used my money during the transfer delay -- I lost interest. My transfer should have been next day.