davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

Creditor Onemain and or Onemain Financial keeps ongoing reporting on accounts included in Chapter XXXX Bankruptcy well after notice of CHAPTER XXXX BANKRUPTCY XXXX/XXXX/XXXX. They are adding fake accounts, altering account numbers, altering accout dates, reporting accounts late when they are not, altering payment history and reporting innaccurate, false, and erroneous account information as far as XXXX XXXX well past Bankruptcy notice date XXXX/XXXX/XXXX. I have had a couple of disputes with this company, so I sent them a letter to there credit file listed addresses within 30 days XXXX/XXXX/XXXX Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, IN XXXX and Onemain Financial and or Onemain XXXX XXXX XXXX XXXX, TX XXXX notifying them to correct all innaccurate, false, erroneous information contained within all my Credit files ( XXXX XXXX XXXX XXXX ) creditor has failed to fully comply. After notification XXXX/XXXX/XXXX the creditor ONEMAIN and or ONEMAIN FINANCIAL blantantly preceded to add multiple late payments about 12 to my XXXX profile up to XXXX XXXX, which are all false, erroneous, and inaccurate and need to be removed immediately they are well outside of Notice of Chapter XXXX XXXX/XXXX/XXXX. Creditor also changed contact address on XXXX file to Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, MD XXXX and has received a resubmission only of prior dispute at this newly added contact address sent XXXX/XXXX/XXXX and been informed they failed to correct all innaccurate, false, and erroneous Information from my ( XXXX XXXX XXXX XXXX ) credit files within 30 days. For further Information please refer to my CFPB complaint which will be uploaded with this complaint.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Dear CFPB Team, I am writing to you today because I truly need your help in removing an inaccurate collection on my credit report. 

The original creditor was XXXX  and I now have a collection on my XXXX report from a charge off collection agency called " ENHANCED RECOVERY COMPAN '' The incident that occurred happened over 3 years ago. I was upgrading my cellular device and the XXXX representative from a franchise XXXX  store told me that I had to change my cell phone number in order to upgrade my phone. I off course didn't know better and I thought that was part of the process. It turns out that they basically opened a completely new account and closed the old account that I had without my knowledge. 

I later called XXXX customer service the same day because I suspected something was wrong and the entire experience felt very suspicious. They explained that the third party XXXX store did fraud with my account and closed my original account without my consent and opened a new one because according to the customer service rep the store sales people get paid more in commission with new accounts. XXXX informed me that because this was fraud they where not going to issue any charges on closing the old account. 

Well fast forward and I learned that the account was still being charged and sent to collections. I have tried contacting XXXX about this without any resolution. I never saw a notice regarding this neither was I aware of this collection because it was fraud done from a third party XXXX franchise store and according to XXXX I was not going to be charged. 

That is why I am writing to you cfpb team. The collection is completely inaccurate and fraudulent. My attempts of removing this collection has been unsuccessful and it has now appeared back on my Credit report. I would please ask that you help me remove this collection asap. 

I am a very responsible consumer and my credit health and worthiness is very important to me. I have 100 % payments on time and I always ensure that I am being responsible with any new loans or debt that I acquire. I always pay them back. This unlawful collection is hurting my credit score that I have worked so hard to build and maintain. 

Please help CFPB. I can only assume that I am a very little and small problem compared to all the complaints that you receive. But what has happened to me is wrong and it should not happen to anyone specially when I have been so responsible with my payments and credit. 

Sincerely yours
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

After calling Experian consumer dispute department 2 times I was told that I could not dispute an incorrect address that was on my credit report because it was being reported by a Creditor. I was under the impression I am legally able to dispute any information that I feel is incorrect or in accurate that is being reported. I know that I did not report the address in  question which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The Experian representatives made it clear to me that is was my duty to contact the original creditor ( which I explain to them that I did ). To have that removed. I explained that I did not understand that when SECTION 611 of the FCRA makes it clear my rights to have an investigation perform  buy the CRA 's and I was told by representatives XXXX Team XXXX XXXX XXXX- XXXX  XXXX  that they will not even so much as submit my request to dispute! I felt that was incorrect and completely against the law.
Consumer complaint received 2023-01-11
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. (OR)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion removed these collections accounts, and then put them back on my report. I am extremely stressed and frustrated. According to the FCRA they were also supposed to notify me within 5 days of putting this information back on my credit report. I did not receive any type of notification. I am demanding that they remove all these collections accounts from my credit report. Additionally that late payment that Transunion is reporting is inaccurate because that account was turned into a collection/chargeoff.
Consumer complaint received 2018-10-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

OneMain contacted at least one of my references via telephone. The caller left a voicemail indicating that they were a debt collector calling from OneMain and requesting a call back. My reference called back and was told that OneMain was a debt collector trying to get in touch with me regarding a debt. This is a blatant FDCPA violation.
Consumer complaint received 2020-07-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results.
Consumer complaint received 2020-05-31
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-31
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2021-08-04
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: SYNCHRONY FINANCIAL (PA)

I have a loan with SYNCB/GAP. I have always made my payments on time. I am requesting for a complete payment history of my record, but I have not received any of its kind. I have been contacting XXXX, XXXX, and SYNCB/GAP with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-05-31
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. (TX)

I have sent multiple disputes to transunion credit bureau and I have heard nothing from them, I have attached multiple documents to help with investigation and multiple times my investigation has come back verified as 100 % correct. Per the fcra transunion should be doing 100 % check on items I am reporting as incorrect. documents attached is evidence.
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc (GA)

Bullcity/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.
Consumer complaint received 2023-01-11
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : 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  XX/XX/XXXX. You have noe sent me any document supporting your claims that the disputed items belong to me. The disputed items shold have been removed if you are unable to prove that the disputed items are mine. Kindly comply with the Federal law and have the disputed items removed as soon as possible.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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. If you wont delete the XXXX late payments I want the trade line to be deleted.
Consumer complaint received 2024-03-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

This is a Vanilla Visa Gift Card that was purchased XX/XX/XXXX at XXXX XXXX XXXX XXXXXXXX XXXX  for {$50.00}. They do not keep their cards behind the register so I think this is a case where I became a victim to the gift card scam going around. I was not able to use the card and I looked up the balance when I got home and it said {$0.00} and that there were two transactions in XXXX, XXXX at XXXXXXXX XXXX  for {$25.00} each to something called XXXX ( which I looked up ) and it is a cryptocurrency fraudulent website to purchase a domain for {$49000.00}. I did not make these transactions. I have asked Vanilla gift card twice to listen to me and both times they said I basically had no proof and closed my case. Both times I was unable to speak to a supervisor and this case was opened XXXX, XXXX when I discovered this card had been used. I just want a replacement card. Clearly this is fraudulent and I shouldn't have to pay for it.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (DC)

While traveling outside the country in XX/XX/2022, my Chime debit card was used in Florida for unauthorized and fraudulent charges. As soon as I saw the charges, I froze my card so it could not longer be used. 

I repeatedly reported this to the bank, and provided airline tickets, other bank statements indicating I was outside the country and a police report. They have denied my claim and refuse to cover the charges.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (OR)

On or about XX/XX/21 I put around {$500.00} into binance.us to buy crypto currency. I can't say the exact amount because they have deleted my history. Since then my money is being taken and I am locked out of the account. I am unable to withdraw my money. It is currently in ADA and I now only have around XXXX left. I am getting error messages saying " trading is disabled '' I have contacted the company multiple times. I have notified the SEC and the consumer finance dept. I have had opportuities to make a profit, however can't withdraw my funds.
Consumer complaint received 2020-04-15
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: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2019-08-09
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. (IL)

XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One closed my credit card account without notice on an arbitrary date ( XX/XX/2020 ) due to inactivity. I called to restate this card that I had for many years ( over five though less than ten ), and they told me it was not an option to restore the account in accordance with ever-changing terms and conditions. What they did to me sounds suspect, as action was taken without any notice two days prior to a second quarter end during the COVID crisis. This action adversely affects my credit score and inhibits my ability to refinance a house or make other credit-based decisions. The credit damage can not be fully restored by opening a new account, since age of account matters.
Consumer complaint received 2022-08-09
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. (NJ)

I filed an FTC report # XXXX and a dispute with Experian on XX/XX/XXXX  for the fraudulent address XXXX XXXX XXXX, XXXX, NJ XXXX due to fraud and provided a police report # XXXX. Experian deleted the address in XXXXXXXX of 2022. They then added the address back on my consumer report recently when I checked the account XXXX XXXXXXXX XXXX. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud. 


I also filed an FTC report # 's XXXX & XXXX and a dispute with XXXX on XXXX, for the fraudulent accounts XXXX XXXX XXXX, XXXX XXXX . due to fraud and provided a police report # XXXX. XXXX never deleted the accounts due to fraud. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud on XXXX XXXX, 2022 but no response yet.
Consumer complaint received 2016-08-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I took out NJClass student loans through HESAA during my time at XXXX in XX/XX/XXXX-XX/XX/XXXX for which my mom was a cosigner. The initial loans we took out totaled approximately {$80000.00} w/ a 6 % interest rate. My mother went into a 5-year bankruptcy in XX/XX/XXXX. The student loans could not be discharged through the bankruptcy, as she was a cosigner. It was not until this year ( XX/XX/XXXX ) once her bankruptcy was completed that HESAA, the administrating agency of the NJClass loans, reached out to my mother to inform her the loans were in delinquency and now totaled approx. {$130000.00}. 
During the course of her bankruptcy, HESAA did not contact me ( the direct loan borrower ) to inform me of payments, increased interest rates, and that the loans ultimately went into delinquency until my mother 's bankruptcy ended. 
My mother paid up currently to get them out of delinquency as of this month ( XXXX XXXX ). 
I am trying to consolidate the loans and maybe refinance them, as my current monthly payment is {$1000.00}, which I ca n't realistically afford. 
During the time of my mother 's bankruptcy she tried to consolidate the loans but they were never accepted yet NJClass continued to run up the interest on the loans without informing my mother or me. 
NJClass loans are private, which limits the options borrowers can look into for repayment. HESAA does not offer any loan forgiveness or modification programs. They also do not offer income-based repayment plans for NJClass loans and they refuse to work with borrowers to offer more affordable monthly payments. They only offer consolidation. I tried to consolidate the loans directly under NJClass and was denied approval based on my income. 
In short, I 'm looking to get the loan payments down to something manageable so I can work towards paying off the debt but this is extremely difficult when legislation favors HESAA and the bills regarding NJClass loans still will not help many people in my situation.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : -XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX -XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX -USDOE/XXXX Account # : XXXX 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.