davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
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 (CA)

I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for PAYPALCREDIT the date of the inquiry states XX/XX/XXXX and the institution 's information is Paypalcredit XXXX, MD XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states SYNCB/TJX DC. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is Syncb/tjx Dc XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is SYNCBXXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is SyncbXXXX XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, PA XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, DE XXXX and the phone number is ( XXXX ) XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There's several important information details that's incorrect in my credit profile with the credit bureau. They have the wrong social security number and several addresses I've never seen before. Also can't upload a copy of my FTC Identity theft report to dispute several fraudulent accounts.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2021 I sent a letter asking Experian to enclose a method of verification for a bankruptcy listed on my credit report. On XX/XX/2021 I then sent another letter asking to enclose their method of verification due to no response from the company. On XX/XX/2021 I sent another letter asking to enclose their method of verification for the third time. On XX/XX/2021 Experian came back with a letter stating the item was verified, but not by who. On XX/XX/2021 I wrote another letter asking to verify, yet again. On XX/XX/2021 Experian sent me a letter in response stating the alleged bankruptcy was verified by XXXX XXXX. On XX/XX/2021 I provided proof from XXXX XXXX stating XXXX XXXX has never verified the alleged bankruptcy with Experian. Because lXXXX XXXX had to delete the item due to not being able to verify it. I enclosed the letter as proof from XXXX XXXX. On XX/XX/2021 Experian replied stating it was still verified without sending me any documentation or proof of an actual investigation. On XX/XX/2021 I replied stating they have not honored my request and have not provided any proof that this alleged bankruptcy was verified by XXXX XXXX. On XX/XX/2021 starting the item was still verified by XXXX XXXX. On XX/XX/2021 I sent another letter to Experian with an enclosed letter from XXXX XXXX stating they have deleted the item from my consumer report due to not being able to verify the item. I have yet to get a response from Experian and they are still listing a bankruptcy on my credit report.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX we received an email from our Credit monitoring service that an account with XXXX Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for XXXX to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. 

Below are the statements for payments in the last year
Consumer complaint received 2020-06-05
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: EQUIFAX, INC. (CT)

I filed a police report on XX/XX/2019, my information was compromised in one of the various data breaches in our country. I have hired a law firm and given proper notice to the credit bureaus, however the credit bureaus have taken no remedial action.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX was entered into consumer transaction with Capital One ( 01 CAPITAL ONE N A Account # XXXX ) on XX/XX/2015 or XX/XX/2015, I dont know the exact date because you guys are reporting to different date open dates to the credit Bureaus. It is illegal to report inaccurate information to a credit report, especially without my written consent under 15 USC 1681b so you have already broken the law. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CAPITAL ONE took cash. It is illegal for you to sell me my own credit, you are merely just a credit extension with no power, I hold all the power as I am the original creditors, and without my credit, you wouldn't be in business. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because CAPITAL ONE got the loan 15 USC 1431. Capital One used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by capital one illegally to obtain my approval status for an extension of credit. You continue to call my phone and send me emails telling me how you cant assist me, this is harassment and abuse and I feel very harassed and abused and Im pretty sure a judge would see how I could feel harassed and abused by your actions.Whoever keeps trying to contact me with this phone number XXXX XXXX ext XXXX ) will be prosecuted in court for harassing me via letters, emails, and phone calls. You have all the power to assist me by no longer violating my FDCPA, & FCRA consumer rights.
Consumer complaint received 2022-06-16
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. (CA)

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 to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

I sent ComenityXXXX credit card company a Goodwill letter after being advised to do so by customer service. When I spoke to customer service I explained exactly what happened and she said that she could see exactly what I was talking about and that I definitely should dispute the report of the 30 day late payment on my credit report. She recommended I write a letter saying it was my fault and I was truly sorry for the mistake. She said I would have better luck pleading for forgiveness than challenging them. She said If I had any way to remove it myself, I would. I can see how unfair this is to you. I did what she said to do and wrote the letter. ( Although I had already filed disputes with all 3 credit bureaus with the actual facts and mistakes they made. Those disputes were denied. She said it was because I challenged them. So, I tried her way. It was still denied. I am unable to speak directly to anyone who has authority to make corrections on my account. I feel as if every customer service representative I speak with looks at the information and clearly sees the mistake, but theyre unable to change anything. Only the people who hide behind letters without any conversation with me are able to correct the mistake? They just deny my dispute with a generic letter. It is the one and only late payment on my credit report, ever. It is unfair. Ive put so much of my time into this, just for the sake of fairness. I doubt it hurts my credit score, but the point is that its that they made the mistake, not me. Its wrong. I feel very helpless and alone going up against a large company. I feel unheard, as if I dont matter. Ive filed multiple disputes over the years, they dont care.
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

Nationstar Mr. Cooper Mortgage told me I was late on my payments the beginning of XX/XX/2018. I then paid the full amount they required to keep my account active. And we agreed upon an amount to be paid monthly, in a refinanced loan, which I paid on time every month. My loan has been current since XX/XX/2018. I paid every amount they told me to pay. And documents were finalized and signed XX/XX/2018. Nationstar Mr. Cooper was wrong in filing a 60 days late charge on XX/XX/2018, and a 90 days late charge on XX/XX/2018, to the Credit Bureaus. And those charges need to be removed off my credit records.
Consumer complaint received 2018-12-18
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. (OH)

After doing careful research reading the FCRA laws Transunion, XXXX, and XXXX are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX  in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!
Consumer complaint received 2022-06-19
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. (MA)

This communication is to put you on notice that you are furnishing inaccurate and incorrect information to my consumer report. The reporting of such inaccurate information has caused severe damage to my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. 

It is not my responsibility to make sure you are in compliance with the Fair Credit Reporting Act, however it is my responsibility to make sure every item is reporting to my consumer report accurately so that my credit report is equitable to me. So take notice! I am not asking you to verify the validity of this debt. After reviewing 7 CFR 1956.54 the code of federal regulations defines a charge off as he writing off of a debt and termination of collection activity without release of personal liability. THIS MEANS YOU MUST CEASE ALL COLLECTION ACTIVITY. I came across a recent IRS publication on the IRS website in which the IRS defines a charge off a gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following account inaccurate! 

XXXX XXXXXXXX XXXX XXXX XXXX account # - XXXX
Consumer complaint received 2022-06-19
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. (PA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-19
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)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-04
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (WA)

Got what I thought was scam calls turned out to be another collection agency on or around the XXXX of XXXX. I called XXXX solutions who had the debt. They claimed they called and left voicemail but when I called XXXX XXXX to check and look at my phone records and voicemail nothing from them. I called back to ask why they didn't send an email notification or letter about the issue. They claim they couldn't reach me via phone from end of XXXX to XXXX. They where rude and unwilling to provide any proof. Not only did there lack of communication cause me financial stress but emotional stress. I suffer from XXXX and the way this company works does not fall under the WA state fair debt collection. They failed to give me proper notifications. Had they sent an email or letter about payment issue as I checked my bank and have no declined transactions from the times they claim. Now a new company that has it wants {$1200.00} down and XXXX a month. My payments to XXXX where {$150.00} as I support my wife and daughter. As you can see now I either have to come up with that or settle for {$26000.00}. Both of which I can not do because of my income. Hopefully I can work something out with this other company. XXXX really did nothing to notify me about any issue with my account and could care less when I was asking questions to clarify what happened on there end. Agian no letter, missed calls or voicemail left on my phone which is the proper way to notify. I have always been willing to work with them until they did this. The person I spoke to from XXXX about this said they have multiple numbers they call from so she couldn't give me a specific number. I have two of probably a dozen numbers they have so it's already hard to contact them with the correct number let alone department. Extremely unprofessional and agressive. I had planned to settle the debt with XXXX solutions at the end of the year but now I'm starting over agian.
Consumer complaint received 2022-06-19
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. (PA)

Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent. 

Acct. name - XXXX XXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I was called by TD Bank ( XXXX ) XXXX which is an accurate phone number for the bank. I was told that there was suspected fraud on my account and they needed to confirm some of my transactions on my checking account. He asked for the last 4 of my SS # which I provided as this is commonly requested to verify my identity. He then proceeded to recite transactions in my account. Some were valid and some weren't. That is when he started what he referred to as initiating a fraud claim. He provided me with a fraud claim # as well. At this time he told me he needed to send me a account confirmation code to my cell phone as well. When I called TD bank the next day to check on the status of the fraud situation, since I received an email that I had insufficient funds in my account, I was told that they never called me and that someone must've spoofed their phone number to make it look like it was TD bank. At this point I realize that someone presenting themselves as a TD bank rep, fraudulently induced me into supplying the last 4 of my SS # and other information to obtain access to my account. This person obviously stoIe my identity by logging into my account and transferring my money around under the pretense that they were a TD bank representative. I learned from the branch that someone logged in, transferred money from my savings account to my checking account and then sent all of the checking account money by EFT to a XXXX payment. I have never heard of XXXX, never used or set up an account with XXXX and also never opted in with TD bank to be a part of XXXX at all. Both my saving and checking accounts were cleared out. I was instructed to obtain a police report which I did get. How was my user name and password obtained? This is actually the XXXX time with TD bank that I have had fraudulent activity. The first time was unauthorized charges. This time is obviously much worse since my account was cleared out of a total of {$2200.00}. Does TD bank not monitor the location of where someone is logging in from? if so, they would see it was not my usual location. Also, as for XXXX, if I never used their service before and then they suddenly see a payment being sent by someone not enrolled in their service, doesn't that flag something on their end? My last question is shouldn't TD bank and all banks ask you to opt in to XXXX? I find it quite dangerous that if someone gets access to my online information again that they can just sent my money anywhere they want. TD bank is in the process of their XXXX day investigation but I wanted to report this fraudulent inducing incident directly. TD bank is saying that I have a XX/XX/XXXX chance of getting my money back and from what I see, within the laws, they are liable to return my funds. XXXX XXXX of the XXXX XXXX Police Dept ( XXXX XXXX, NY ) provided a Central Complaint # XXXX and said my " identity theft report '' will be ready in 3 to 5 days.
Consumer complaint received 2018-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NM)

XX/XX/2018 I resubmitted my income foe my repayment plan. My income has only gone up by {$1000.00} last year my payment was {$79.00} this year it is {$540.00}. I have call a number of time trying to get this worked out. Navient keeps telling me my income has gone up {$29000.00}. I do not understand how my income going up by {$1000.00} cam more then triple my payment. I have renewed mt income the same way every year. studentloans.gov the IRS pulls the XXXX over and then submits it to Navient. I need hepl in this matter as my income has only increased by {$1000.00} and can not afford to pay XXXX each month.