davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (NC)

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 XXXXXXXX, XXXX, XXXX, XXXX, XXXX - XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

This is the second complaint I have file with Equifax on a fraudulent account on my credit report. I had submit a police report of this fraudulent account and still showing on credit report. I am requesting for Equifax to remove this from my report. I also requested for a manager to call me and never did. They are not protect my right.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (VA)

I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XX/XX/2013 60 days past due as of XX/XX/2013 30 days past due as of XX/XX/2013 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Consumer complaint received 2022-06-13
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. (GA)

Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit.

Account Number for Bureaus : XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

I received a letter from Spring Oaks Capital attempting to collect a debt in the amount of {$640.00} that they claim they own. I was told that I had until XX/XX/2022 to dispute the debt. I sent them a letter on XX/XX/2022 and requested verification and documentation of this debt. From my understanding, they must stop collection on any amount I dispute until they send me the information that shows I owe this debt. I am not understanding why this account is listed on my XXXX credit report as I have not received a response at all from Spring Oaks Capital and it has now been a month since I sent a validation request to this company.
Consumer complaint received 2022-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for and purpose.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

due to the covid-19 i field with my mortgage company forbearance starting in XX/XX/XXXX as i understand under the cares act they where not to report late or delinquencies. 
they did report from XX/XX/XXXX to XX/XX/XXXX as delinquent. 
i called ti fix it on XX/XX/XXXX they said they could not. 
during the forbearance i made what payments i could, when it ran out they had me file a modification loan. i was told that my interest would drop to around 2 %. it took months and during that time was told to hold off on making payments until the paper work was done. when i received my paper work they did not lower my interest rate it stayed the same the just but what i owed to the back of loan. 
they did not do what they said they where going to do. i just want all the late and delinquents off. credit report showed - 49 % from them Carrington mortgage
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (FL)

Hello, I've reported this number before and nothing has changed, they called again today @ XXXX XXXX. The number is XXXX. I am really tired of them calling for over two years now. I've spoken to them as well as texting them. they are looking for someone named XXXX XXXX. I am not her nor does any person by that name live here.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

As Of XX/XX/XXXX, " I Have Not Received My Annual Free Credit Report From EXPERIAN. '' Credit Report From XXXX Received XX/XX/XXXX. Credit Report From XXXX Received XX/XX/XXXX. 

All Attempts To Request My Free Annual Credit Reports By Phone Continuously Fail. 

Why Does The Phone System Fail To Recognize My Street Name " XXXX XXXX? '' Why Does The Phone System Respond Incorrectly With " XXXX XXXX XXXX? ''
Consumer complaint received 2020-12-14
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: Open Dealer Exchange, LLC (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, 700 CREDIT/XXXX XXXX and on XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-02-27
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. (LA)

Experian is incorrectly reporting my XXXX XXXX account as revolving instead of an installment account. This inaccuracy is hurting my credit score.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (TX)

My personal information was stolen due to a data breach. Numerous checking and savings accounts were opened at Huntington Bank. When I received the Welcome letters, I immediately contacted Huntington to inform them of what happened. They assured me all accounts would be closed. Later, I received a letter stating they couldnt close one account as there was a balance and that I needed to zero it out. Several more calls later, and letters, I was once again assured that they would close this account. I just received another letter informing me they, Huntington, are unable to close the account due to a balance still in it. Im tired of this bank not taking care of this.
Consumer complaint received 2022-05-04
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)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX  # XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX 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. 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 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX  # XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX 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. 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 2022-10-18
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX  Account # XXXX and XXXX 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 2022-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I received statements from a bank that I have never done business with, TD Bank. I have never been in a TD Bank, I have never visited their website, and, to my knowledge, I have never accepted a payment from an account that originated at a TD Bank. The statements are in my name and were mailed to my home address. I have attempted to contact TD Bank multiple times but end up sitting on hold for upwards of 30-minutes. I have filed a written complaint and sent it to their Fraud department, however, I have received no response. I do not know how this account was opened. I do not know what personal information was used to open this account or if that information matches my personal information ( i.e., date of birth, SSN ). I believe this to be completely fraudulent.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NC)

have been a Nordstrom customer for more than 10 years and a Nordstrom credit card holder since 2015 this past week they restricted my account and asked me to send a copy of my Drivers License, SS #, Utility Bill which I complied, Today I called Nordstrom Card Services and talked to a really rude lady to tell me whoever reviewed my documents can not verify them this is something I have never heard before at the beginning of this month I applied for the XXXX Card and they asked me to scan my license and verified on the spot how a person can not do the verification with the documents on hand? 

This has been one of the most frustrating experiences I have ever had with a credit card account and they are really rude and not even attempting to help at all.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

My account had unauthorized transaction s twice, the first was taken care of. Now USbank card holder service, XXXX XXXX XXXX, XXXX, FL. XXXX, # XXXX. Will not let me get my money out of their bank. I've sent all the required documents verifying myself, yet they keep giving me the run-around by having me repeat the process over and over. Hanging up on me and blatantly lying about my account, my money.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX  XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in XXXX XXXX.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$3300.00} Account # XXXX
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX  XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in XXXX XXXX.
Consumer complaint received 2022-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

My loans began with XXXX in XXXX They held my loans until I discovered the PSLF program and after my research was able to discover I do qualify. I just needed to transfer my loan to XXXX XXXX and enroll in the correct IDR plan. My loans sat with XXXX from XXXX. During this time 3 payments were made. My loans sat in forbearance for XXXX months. According to the lawsuit filed by my AG, I qualify for {$450.00} worth of compensation. I received my notice yesterday. {$450.00} is an insult. I need those XXXX months to qualify for a program that was already in place for two years. Instead, I spend every spare minute fighting for change and fighting for justice. XXXX has denied forbearance steering whenever I complain, yet how can they explain XXXX months of forbearance, on a graduate plan, and never informed about this program? 

I am now told there is a chance my forbearance will count, but have to wait again... I need to wait until the Fall for change.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AL)

I received a notice from transition, XXXX, and XXXX that my XXXX XXXX/synchrony account was late for XXXX, XXXX, & XXXX of XXXX and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of XXXX so I have no idea why there is any activity occurring on the account ). 

I disputed it with XXXX, XXXX, and XXXX and the 3 months ( XXXX, XXXX, and XXXX of XXXX  ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a balance.
Consumer complaint received 2022-02-02
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. (MD)

I have disputed the referenced accounts to the XXXX 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 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 XXXX 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 XXXX  days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am devastated. I was doing a personal investigation into my credit and felt distressed as I looked and saw that there are a myriad of errors being reported on my credit. The information that is reflected on my credit report is unfound and unverified, yet I am being penalized for the agencys failure to do their job and make sure every reporting is 100 % accurate.
Consumer complaint received 2022-05-04
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: World Acceptance Corporation (IN)

I have been a victim of identity theft. I have reported this to XXXX several times and they wont remove the following items World Finance and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery debt appeared on credit report. Debt result of identity. 
Portfolio denies fraud claim as valid. Portfolio fails to provide all requested original documents outlined by the law in time required to support their denial of claim. Portfolio continues to harass me after cease and desist letter. 
Included is police report of identity theft.
Consumer complaint received 2022-05-04
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account XXXX, and XXXX. 

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

15 U.S.C section 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.
Consumer complaint received 2022-02-08
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. (AL)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND IT HAS RUINED MY LIFE. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.