davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please examine and remove the PORTFOLIO RC account from my personal credit file.
Consumer complaint received 2019-07-08
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: Experian Information Solutions Inc. (FL)

I went to help my brother get a car and was not approved. I thought maybe it was because the dealership was trying to get over so I went to my bank and they denied me as well. There are things on my credit that is not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Please remove them from my account XXXX Acct XXXX, XXXX, XXXX and XXXX XXXX. I also saw some inquiries that i did not do XXXX XX/XX/XXXX Inquiry XXXX   XXXX I XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AL)

I have been sending dispute letters for the account and I have not had XXXX response from this company. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

I Have Received 13 Emails Since XX/XX/XXXX And As Recently As Yesterday Telling Me That I Can Save .XXXX/Gallon On My Next 5 Purchases when I use the Shell credit card. When I Purchased Gas On XX/XX/XXXX I Didn't Get The XXXX/Gallon Reduced Price And I Tried Two Different Gas Stations. I called the Shell and they blamed citi bank, the credit card company for Shell. Everyone 's blaming someone else but I received these emails from Shell telling me I can get XXXX/gallon off my next 5 gas purchases when I use the Shell credit card. I attached a copy of one of the emails I've been receiving
Consumer complaint received 2016-07-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

My parents took out a private student loan through XXXX XXXX in XXXX 2004. I was the XXXX co-borrower on the loan. It stared out as a {$22000.00} loan. I had asked that the loan be cancelled but my parents decided to keep it for their personal use. Throughout the years my family had defaulted a few times and has affected my credit. XXXX XXXX changed to Navient. When they switched over, Navient made a payment agreement with my parents to get back on track with their payments. My XXXX questions are : When this loan was refinanced through Navient, should n't I have been allowed to take my name off loan? I never signed off on any paperwork. 2 : I feel that there is something wrong mathematically as to why this {$22000.00} loan has a balance of {$39000.00}
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a )., it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over so this should be deleted promptly. I demand these account be deleted immediately or I will file litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Also a violation under 15 usc 1681 n ( b ) and they owe me money.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NC)

Unfortunately, I had an account with Care Credit that went into default back in 2014 ; due to a financial hardship. Recently, having recovered from the hardship, I went back to Care Credit to try to resolve the debt. They told me that they would NOT accept payment from me to resolve my debt. Even when I indicated to them that I understood that the account had been charged-off, I still wanted to pay it, so the account would report as paid on my credit report. They still refused to accept my payment. It is illegal for his company to refuse to accept my payment, while simultaneously reporting an unpaid debt on my credit file. They are holding my credit report hostage.
Consumer complaint received 2019-09-23
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: EQUIFAX, INC. (FL)

XXXX EQUIFAX AND XXXX HAS SOME INQUIRIES ON MY CREDIT REPORT. THAT ARE NOT MINE. 

XXXX XXXX-NOT MINE. PLEASE DELETE Equifax Mtg-NOT MINE. PLEASE DELETE XXXX XXXX XXXX-NOT MINE. PLEASE DELETE XXXX-NOT MINE. PLEASE DELETE
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have previously disputed these account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, Here are the accounts that I'm talking about : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX
Consumer complaint received 2023-03-21
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. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under the 15 USC 1681. 


DEPT OF EDU/XXXX  ACCOUNT XXXX XXXX DEPT OF EDU/XXXX  ACCOUNT # XXXX XXXX OF EDU/XXXX  ACCOUNT # XXXX DEPT OF EDU/XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX INACCURATE INQUIRIES EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency might make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which ended report by more than 7 years.

15 USC 1681s- ( 2 ) ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call from a " debt collector '' about a loan in the amount of XXXX When I attempted to gather more information from the agent he because aggressive and started threatening me with jail time and named off 4-5 different charges they were going to file if I didn't pay. I tried to explain I had no knowledge of the loan in question and needed more information. XXXX ( agents name ) then yelled into the phone for me to sign a deposition and they'll see me in court.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have previously disputed these account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, Here are the accounts that I'm talking about : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account Number : XXXX
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I became financially oppressed due the Covid 19. My mortgage co. offered me 12 months of no payments and I accepted ; however, they didn't disclosed the balloon payment at the end of the 12 free months. when I asked for a loan modification the refused to work with me. SPS IS USING fraudulent a assignment to foreclosure on my home. I questioned the standing with a XXXX  and never an acknowledgement or any answers. the assignment is robo signed by well known robo signer. they are attempting to foreclose on my home without offering a loan modification because of the amount of equity. I offered to pay XXXX of the rears and ask if they would place the reaming past due on the back of the loan. they will not respond back to any of my letters. 

I am offering to pay XXXX now to help with my outstanding balance. the assignment is fraudulent and fraud can not be the basics of obtain a deed
Consumer complaint received 2019-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch (IL)

I had a loan with another company the interest was high over 25 % I wanted to find a better offer, I applied on XXXX I was approved for a loan with 1st investors finance, I had originally applied for a monthly payment of {$440.00} after I went through all the steps online I was asked only to print a registration transfer and mail it in. So I did. In XX/XX/2019 my loan amount shows {$600.00} monthly I called XXXX and 1st investors more then 100 times with emails to complain this is not the loan I wanted. I advised them why would I accept something worse then what I originally had. Every time I am to blame by XXXX even on their website no information was provided about this new loan. They told me they have a glitch on their system I told them they sure do because I did not ask for this loan of XXXX monthly. I have an illness a life XXXX XXXX that I can not afford payments of this amount and would never signed or agreed on such. I just want out of this loan this scam. After XXXX months they send me a truth and disclosure notice I have never seen before.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Ive talk to my creditors and they said they send in update once a month to TransUnion but TransUnion is not updating my credit report. I have a XXXXXXXX XXXX accounts that has not been updated sense XXXX also an account that have not been updated sense XX/XX/XXXX another not updated sense XXXX. This is very unfair to me as a consumer when my bills are paid on time never late nothing in collections but had to have bad marks because my credit report is not being updated by TransUnion.
Consumer complaint received 2023-02-12
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. (GA)

XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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: Bread Financial Holdings, Inc. (MO)

In accordance with the Fair Credit Reporting Act, my right have been violated. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed a Collection on my Transunion, XXXX & XXXX credit report on XX/XX/2020 XXXX XXXX is reporting a balance on my Credit Report for {$3900.00} which is not my Account
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, Youre currently reporting XXXX XXXX XXXX XXXX  as Open on my report but this account has already been closed for more than 40 days. This is an improper use of my credit. Please fixed this.
Consumer complaint received 2023-03-21
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name XXXX XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-10
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. (GA)

On XX/XX/2020 I filed a dispute with Experian to reinvestigate 3 Public Records being reported by their agency. My credit report indicates  XXXX is the data Furnisher of this information. I submitted this dispute via their online portal and uploaded supporting documentation with XXXX letterhead as evidence. The supporting documentation is a resolution letter provided by XXXX ( From CFPB complaint on file ) which clearly states all 3 Public Records have been deleted from my consumer file and is no longer being furnished to Experian or any other credit reporting agency. However, Experian has failed to comply with a reasonable reinvestigation and continues to recklessly report this information as " Certified By Data Furnisher '' which is XXXX. I have highlighted areas where Experian indicates to contact XXXX as the 3rd party data Furnisher on my credit report and I have also attached a copy of the resolution letter directly from XXXX ; In addition, I uploaded a screenshot of the results alert received from Experian on XX/XX/2020 for my dispute # XXXX I submitted the same supporting documentation to XXXX  and all 3 Public Records were deleted immediately!
Consumer complaint received 2022-07-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLIANT CREDIT UNION (MA)

XX/XX/2021, received late pay and interest charge from Alliant Credit Union branded credit card. I called to complain not realizing that the credit card was not part of Alliant Credit Union, and was told that they have no record of autopay being setup, but refunded my late fee and interest charge. I immediately paid the bill in full via Alliant Credit Union website and made certain autopay was setup. Now, XX/XX/2021, I received a second late fee and interest charge, and was told this would likely go on my credit report. While talking to the credit card company again, I then realized that they were not directly part of Alliant and proceeded to call Alliant directly. Alliant stated that auto pay had dropped off last XXXX for some reason and were unsure why. In addition, they had no record of me paying the XXXX bill or setting up autopay online for a second time in XXXX and unless I had a screen shot, were not willing to guarantee this would come off my credit report ( I currently have a score of XXXX ) and were not willing to refund any of the penalties.
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.