davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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: OneMain Finance Corporation (MO)

I contacted One Main Financial in XX/XX/2022 to inform them that a statement they have on my credit report is causing me to be denied credit. They have the following comment on my credit report " Loan modified but not under a federal government plan ''. I called on two different occasions in an attempt to get them to either remove the comment or add dates to the comment so that it is clear that the loan is not currently being modified. 

This statement on my credit report is vague and misleading. One Main Financial has a duty to report factual information. The statement is misleading because it is causing other 'lenders to believe I am currently under a loan modification when I'm not. I requested that the supervisor contact me and no one ever did. I also requested that they send another copy of a letter that they sent saying the modification ended. They said that they would email it and never did. 

I spoke with their customer service department and their credit department. Everyone I spoke with kept referring me back to customer service. The customer service agent understood the issue I was having and the credit department refused to work with her to correct the issue. The credit department at One Main is the only one that is allowed to make changes. My loan was never modified. I only had a payment deferred. There were no changes made to my payment amount or to my interest rate. The statement on the account is misleading and inaccurate.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Subject : Request to Remove Incorrect Information from Consumer Report I hope this letter finds you well. I am writing to request the removal of any information from my consumer report that does not correspond to my current name and address, as required by consumer laws. 

I have attached the following documents to support my request : 1. Identification ( Driver 's License/State ID ) 2. Passport 3. Recent mail These documents serve as proof of my current name and address, and I kindly request that you update my consumer report accordingly. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It has come to my attention that there may be inaccurate or outdated information on my consumer report, which is in violation of consumer protection laws. I understand the importance of maintaining accurate and up-to-date information, and I kindly request your assistance in rectifying this matter. 

Please review my consumer report thoroughly and remove any information that does not pertain to my current name and address. This includes any previous names, addresses, or any other personal details that are no longer applicable. 

I would appreciate it if you could provide me with a confirmation of the changes made and ensure that my consumer report reflects only the accurate and current information. Additionally, I kindly request that you inform me of any further steps I need to take to ensure compliance with consumer protection laws and to maintain the accuracy of my information across all credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response and the successful removal of any incorrect information from my consumer report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-02-09
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: Experian Information Solutions Inc. (CA)

On my XXXX, XXXX  and Experian Reports there are to many inquiries that I did not authorize. 

It is very disturbing that these inquiries were made without my written consent or knowledge and I would like them removed immediately please. 

Thank you, XXXX XXXX Please see report pages with the inquiries that I did not authorize or consent to.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (PA)

In accordance with the Fair Credit Reporting act DEPT OF ED/AIDVAnt 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 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (PA)

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX XXXXXXXX, 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 2023-08-21
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. (MI)

I disputed account that was in collection on my credit report with Transunion, with a notarized Affidavit for account validation. Which was sent via certified mail on XX/XX/2023. On XX/XX/2023 my disputes were verified as accurate. But in my dispute letter I demanded physical documents with my signature or any legally binding instruments that can prove my connection to these erroneous entries. And they were unable to do so. So by law if they are unable to responsibly investigate and provide proof, these erroneous items should be removed. Account name is XXXX XXXX XXXX.
Consumer complaint received 2019-04-25
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: Manhattan Beach Venture, LLC (TX)

I attended XXXX XXXX XXXX XXXX  in XXXX and the school was bought out. XXXX  XXXX  had fraudulent employees in the financial aid department who didnt thoroughly explain the process and forced students to sign up. Ive been trying to dispute this issue and have had problems for the last 8 years and its still on my credit
Consumer complaint received 2023-03-15
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or remove the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

My sister XXXX XXXX added me as a authorized user to her XXXX account. Experian listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (KS)

I saw that some have access to my information and used to apply from companies without my consent and I want to let the company know that Im not the one responsible for it so it shouldnt be on my record
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (AL)

pursuant to the FCRA and The FDCPA these inquiries constitute misrepresentation because i do not recognize them listing as : 15 USC 1692, 15 USC 1681O ( A ), 15 USC 1692K they as in XXXX XXXX, EXPERIAN, XXXX, and XXXX are all in default of these {$1000.00} violations of my federally protected consumer rights.
Consumer complaint received 2023-09-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (PA)

I need assistance settling an account with XXXX XXXX. Following are the facts of the matter : 1 ). On XX/XX/2023, I moved my phone service from XXXX XXXX to XXXX XXXX XXXX. I have copies of text messages sent to me by XXXX XXXX on the very same day acknowledging the transfer of service. 

2 ). On XX/XX/2023, XXXX XXXX sent me an email in which they claimed my last day of service was XX/XX/2023. I had not had service with XXXX XXXX since XX/XX/2023, when XXXX XXXX XXXX became my carrier. 

3 ). On XX/XX/2023, I received an email from XXXX XXXX claiming a balance of {$120.00} was due by XX/XX/2023. This was the approximate amount of my usual previous monthly XXXX and did not appear to be an adjustment bill for final charges. I attempted to access the account online to view the charges since the email contained no details, and I learned that XXXX had locked me out of the account. 

4 ). I called XXXX XXXX on XX/XX/2023, to request that the bill be sent to me so that I could view the charges and I was informed that it would be sent to my current address which I provided to the customer service representative. 

5 ). On XX/XX/2023, just two days after the bill had been due ( I never received the bill by mail ), I received an email from MRS BPO , LLC, a collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, regarding the XXXX XXXX XXXX. 

6 ). I promptly wrote to MRS BPO , LLC on XX/XX/2023, to dispute the amount and to request a copy of the bill and verification that it was for services prior to XX/XX/2023. 

7 ). I followed up with an email to MRS BPO , LLC on XX/XX/2023, requesting that they acknowledge my dispute letter. 

8 ). I have never received a response from MRS BPO , LLC, the collection agency, to my communications to them. 

9 ). XXXX XXXX has reported the account as a collections account on my credit report. 

10 ). I have been unable to obtain a copy of the final XXXX XXXX XXXX from either XXXX or MRS BPO , LLC so that I can ascertain whether any of the charges are for service after XX/XX/2023. 

XXXX XXXX has ruined my credit rating. I want to pay any charges I owe that are for service prior to XX/XX/2023, but I can not get XXXX or MRS BPO , LLC to account for the balance XXXX claims I owe. I also want XXXX to remove the collection item from my credit report since I have dealt in good faith to try to obtain information from them that they were obligated by law to provide to me. I want any award from XXXX and from MRS BPO , LLC that the law entitles me to for their infractions of Fair Debt Collection practices. 

Please advise. I have copies of all the documents I have mentioned. I appreciate your assistance with this matter.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (FL)

My checking account ending in XXXX was compromised which caused my account to go into negative. I reported the issue with Navy Federal. I was allowed to open a new account ; however, the account ending in XXXX was charged off. I am not allowed to put overdrive protection on the new account. I was told that the fraud department still has the complaint open and still investigating it
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The credit report states my account was properly investigated but How is that if The address that XXXX XXXX is reporting is incorrect I never live at this address shown on the The original contract XXXX XXXX XXXX XXXX Fl XXXX I requested from the creditor a copy of the Explanation of Calculation of Surplus or Deficiency this letter was sent out on XX/XX/XXXX How could I have received this Letter if I never stayed at the above address I am attaching documents Shows my address where I was living at the time that this letter was sent out i was currently staying in a XXXX abuse shelter Address is XXXX XXXX XXXX XXXX where I was staying at the time of this letter I have a copy of the letter that the Shelter provide for me for verification purposes up until that time I moved into my own place Address is XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX my move in date was XX/XX/XXXX I have attached my rental charge payment ledger to show the date I moved in This place the dates and Address do not match what the creditor is Reporting on my credit report Explanation of Calculation of Surplus Deficiency states I live at XXXX XXXX XXXX XXXX Fl XXXX this is not true or accurate ive already submitted a dispute on the accuracy of the Debt I owe is inaccurate two on my Explanation of Calculation of Surplus or Deficiency it shows a balance of XXXX The creditor reporting a balance that shows on my credit report is XXXX Is not accurate I am attaching documents showing the accuracy of my address And the Balance thats being reported Is not accurate This guards for removal they also violated my rights Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions Also the credit bureau to more than 30 days to complete my investigation
Consumer complaint received 2022-10-16
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: EQUIFAX, INC. (NC)

According to North Carolina Law ; General Statute, Section 1-52.1 of the North Carolina Rules of Civil Procedure, The Statute of Limitations that governs the debts that are being reported to my credit file by XXXX validate the fact that these debts being reported have expired and fallen outside of the statutes of limitations. You can reference XXXX XXXX with the link below, but at this time I demand that all entries on my credit file be removed from all credit bureaus under the guidelines set forth by the State of North Carolina Law. 

Please remove all entries by XXXX from my credit files immediately as the expirations of these collections expired a considerable amount of time ago. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2020-02-09
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: Nelnet, Inc. (MD)

nelnet : XXXX  removed a dispute and added it back on without notifying me Law dictations that they notify me 5 days before doing so The unlawful act needs to be removed ITS THE LAW
Consumer complaint received 2023-03-04
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MO)

I had hired XXXX 's to redeck and bulid a deck on my home. This was in XX/XX/2022. Now it is XX/XX/2022 I have been paying on this XXXX and have almost {$9000.00} invested. XXXX 's set XXXX people over last week and damaged my home. I have requested my money back from Synchrony Bank the place I have been making payments to since XXXX. XXXX 's sent damaged material to be used with this job and has refused to refund my money and pick up damaged material they sent to use on this job. I have nothing to show except old deck removed and my home being damaged I requested repair of my home and money refunded and damaged material to be returned to the store. XXXX 's has refused to repair damages to my home, refused to return damaged material they sent and refused to refund my money.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2018, I was out shopping at my neighborhood mall. I went to various places to spend. Once I got home I looked at my account history to check my balance. To my surprise an ATM withdrawal in the amount of {$300.00} was taken out of my account by an unknown person. The card was in my possession and I have no idea how someone couldve withdrew money. I never use ATMs as theyre unsafe to me. I immediately transferred the rest of my money away from the card and called American Express Serve to notify them of the unauthorized transaction and have them cancel my card. They informed me Im not liable of any fraudulent transaction and my claim would be processed and credited within 10 business days. About 20 days later I received a letter stating that the claim has been denied because it was an atm transaction and i must have authorized it. I HAVE never went to the ATM and I didnt authorize anyone to and no one had access to my card other than me. They told me to write their dispute department explaining this situation. I faxed and mailed their dispute department with no response. I just dont know what to do, i trusted this company for over five years. Now I no longer want to be a customer.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

So the card in question had a XXXX % interest rate promotion. It was about to end so we called in XXXX to get the date it needed paid to avoid interest. We were given a mid XXXX deadline XX/XX/XXXX or XX/XX/XXXX, only to find interest charged on the XXXX bill. We called, explained, and the credit card company fixed the issue, begrudgingly saying this was a one time courtesy. Right after that call, we paid the balance in full and figured we were set because we had no further balance and again, originally given the wrong promotional end date. If we were given the correct date, all would have been paid immediately. 

Fast forward to XXXX now, we received only an interest charge on a XXXX balance ... and the credit card company will not remove it claiming we need a XXXX balance for two months and that the promotional XXXX interest ended in XXXX, except we were told mid XXXX and they supposedly record everything so they have the customer service rep telling us the wrong date. How can I pay something if given the wrong date and info ... their statements never mention the date the promotion ends, either. 

I am now forced to pay the XXXX interest and late fee ( {$130.00}, {$29.00} of it a late fee ) to keep my credit good ( we were not expecting a bill on a XXXX balance card ). If not for the credit card company giving us the wrong date, there would be no interest or late charge, they agreed with this on the latest call, except again, according to them the interest accrued because the promotional period ended. This is true, but we were told XXXX. They can't tell us XXXX and cite the promotion ending in XXXX.
Consumer complaint received 2022-10-16
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. (NC)

According to North Carolina Law ; General Statute, Section 1-52.1 of the North Carolina Rules of Civil Procedure, The Statute of Limitations that governs the debts that are being reported to my credit file by XXXX XXXX XXXX validate the fact that these debts being reported have expired and fallen outside of the statutes of limitations. You can reference XXXX XXXX with the link below, but at this time I demand that all entries on my credit file be removed from all credit bureaus under the guidelines set forth by the State of North Carolina Law. 

Please remove all entries by XXXX XXXX XXXX from my credit files immediately as the expirations of these collections expired a considerable amount of time ago. 

XXXX XXXX XXXXXXXX