davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (TN)

In XXXX of 2020 we switch my son 's cell phone from XXXX to XXXX XXXX XXXX . I have documentation to show the switch. In XXXX XXXX, 2020 after disputing the charges of {$400.00} for months of charges i did not owe since the account was closed, XXXX  credit them back. Then on the same day they charged a full months plan fee. The bill literally state XX/XX/XXXX thru XX/XX/XXXX. Since the account was closed in XXXX, XXXX could not charge me in XXXX. 
Also the recorded phone conversation that corrected the {$400.00} credit would show that XXXX admitted they mischarged the accountand did not close the account when request and number was transported over to another company. 
I can not get this resolved through XXXX because they refuse to talk to me since the account is in collections and the Law office handling the case for XXXX XXXX to collect - Maury Cobb LLC tell me the only thing i can do is pay the bill. 
When I spoke with the Credit bureaus all they do is call the collection agency which of course says yes i owe it, without even looking at my documentation.
Consumer complaint received 2021-02-26
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. (MD)

On XX/XX/XXXX and XX/XX/XXXX, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Consumer complaint received 2022-02-08
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. (MA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I 've been a XXXX Customer since XXXX XXXX, XXXX and have made numerous online purchases this company. Their records will show that I have never been late or missed a payment. Unfortunately, I found out in XXXX XXXX that my account was suspended and turned over to collections for an original {$31.00} charge that grew to approximately {$120.00} ( with late fees and interest ). When I called to find out why my account was delinquent, I was informed by the customer service representative that the address on file was our old address ( from 2 years ago ) and that the bills and collection notices were being sent to the old address. What is even more strange is that when I made my last purchase online in XXXX, I updated my shipping and billing address ( see the confirmation email below from XXXX )!!! I worked through the process to have the payment applied and most of the finance charges removed and XXXX apologized for the error and stated they would not report a negative finding to the credit company. Unfortunately, my credit report is reflecting a deliquent amount that I need to have removed. I have contacted the major credit companies and they have indicated they can not take any action as the issue rests with XXXX. When I contacted XXXX, they claim that they did not report the issue and they issue is closed on their end. I need to get this off of my credit report as its hurting my financial future. Thanks! ( XXXX account # XXXX ) See supporting documentation. Thanks!
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.
Consumer complaint received 2022-02-08
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. (MA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-10-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company Thank you!
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Payfare International Inc. (MD)

The bank charged my XXXX for XXXX XXXX The XXXX for XXXX XXXX It posted to my account at XXXX and XXXX But I dont have the overage of the amount in my account I need my XXXX dollars in my account Everytime I ask they keep hanging up on me
Consumer complaint received 2016-11-27
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: FACTUAL DATA CORP. (TX)

Factual Data, bureau express reported false data on my credit report. 
While applying for a loan product and while reviewing my credit report I found shocking information is on my credit report. 
XXXX items listed were not related to me or it has been paid off long time ago, and factual data bureau is still keeping wrong information in my credit report. 
1. XXXX XXXX account has a balance of {$7900.00}, card # XXXX ( Verified with bank and that account do not belong to me, ) 2.XXXX account # XXXX, balance of {$7400.00} XXXX account is invalid or does not belong to me. Verified with XXXX credit card. 
3. XXXX bank account # XXXX balance of {$310.00} This account does not belong to me. 
4. XXXX account # XXXX, balance of {$130.00} Due to the wrong information on my credit report my credit score suffered and I am forced to pay a higher interest rate. 
I am requesting an immediate action on this issue and correct these errors. So I can have my life back. 
Factual data management irresponsibly posted balances which does not belong to me. This report added my liability to {$15000.00} which is not a small amount, which I have nothing to do with. 
Address:XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (GA)

OnXX/XX/2016 I called the number listed on the Synchrony Bank/Sam 's Club Master Card website for a locked out password, Phone # # XXXX. The representative asked for my last XXXX digits of my social security number, my phone number, my cell number, my husbands last XXXX digits of his social security number, my mothers maiden name. All were given correctly. According to the representative that when the XXXX different phone numbers were entered into the system they could not be used to verify my identity, there fore the only assistance that she could give me was to send out a letter via United States Postal Service with a code. When I received that code then I could receive assistance unlocking my account and resetting my password. I then inquired if she could tell my the last transactions on my account. She said she could not due to the fact that I locked myself out of my account and this was to protect the account from fraud. It seems to me that this policy is opening the door for fraud because there was no way for me to verify the transaction. I instructed the rep to close my account. A couple hours later I called the number on the back of my card XXXX. I was identified by my home phone on file that I called in on and the last XXXX digits of my social security number ( the same verifications that I gave above ) I explained the situation to the rep. I told her I would like a list of my last transactions ; She was very helpful and was able to give me a list of my transactions. All the transactions checked out and were mine. I then asked her if my account that I closed out 2 hours be fore could be re-opened ( buyers remorse ). She was not able to. I then inquired about my rewards points and she informed me that the rewards points had been forfeited upon cancellation. She transferred me to her supervisor - XXXX - XXXX to see if he could be of further assistance. He was not able to reopen either and his response was " you were read your rights and the account is canceled per your request and can not be reopened ''. What I am asking for is that my account be re-opened and that the rewards be reinstated. I am also asking that your process for resetting an online password be re-evaluated. It is greatly flawed and if my card and points are not re-instated has lost you a good customer.
Consumer complaint received 2022-07-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX Bank XXXX {$11000.00} closed XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, {$9000.00} closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$3800.00} XXXX XXXX XXXX XXXX {$0.00}. Showing 90 days late XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$15000.00} closed XX/XX/XXXX XXXX charge off # XXXX closed XX/XX/XXXX XXXX charge off # XXXX {$170.00} XXXX XXXX XXXX {$16000.00} XX/XX/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 2023-03-19
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: TRUIST FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TN)

On XXXX XXXX, 2022 I made a call to Nelnet regarding a received email that payment was needed on a Income Driven Repayment Plan. I spoke to a Nelnet rep. trainer, XXXX, on XXXX as I did not receive email with new IDRP request regarding loans. XXXX sent over via email with IDRP document request to update my account and information. 

I executed document and try to upload documents to Nelnet 's dashboard in my account. I was able to enter ID and password. I then went to the documents and upload documents drop-down box. I accessed my documents from my computer their " File to Upload '' chosen. I chose from " Document Type '' " IDRP Request '' An error message repeatedly came up blocking my ability to upload requested documents. 

I called Nelnet and spoke to XXXX representative. She could not assist me in the inability to upload detrimental documents that are being request and I willing to give. I told her that devices had been remotely accessed prior and I had to contact FBI. She stated that my web browser was blocking me from uploading docs. I then informed her the XXXX app uploading was downloaded from FBI site. She then informed me that was the problem and to go to a different browser and access a different site. I then informed her that I had no problems with XXXX and if I could speak to her manager or XXXX. She refused. I told her if she could not fix my problem, my honest effort was to report to CFPB. 
XXXX XXXX ( aka. XXXX XXXX
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I reviewed my consumer reports be noticed that i have multiple late payments on an account that i was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX [ # XXXX ] Please investigate and proved Proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am distressed after obtaining my credit report and acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section XXXX ( XXXX ) ( XXXX ) of the XXXX- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) of the XXXX - requires that a furnisher shall not furnish any information relating to a consumer to any XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Furnishers have been known to report information with actual knowledge of errors even when the information doesnt reflect what's in their system. I hope that doesn't speak of your character. 

It is also my understanding that under the XXXX XXXX XXXX. XXXX, Every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely DELETED!!
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX is in accurately reporting a timeshare account as a conventional mortgage. Because of this error my husband and I are unable to secure a traditional mortgage. Please update the account type/category and remarks to reflect that the account is a time-share and NOT a mortgage. 

We tried disputing through the CFPB but was unsuccessful because this company is not listed in their data base.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i was called on my landline on XX/XX/2022 by a person claiming to be a XXXX representative they had me use XXXX to transfer money somehow they were able to get into my bank of america they made 6 transactions several different amounts i was sent 6 text messages claiming to be from bank of america to transfer money through XXXX  they claimed the texts were authorization codes which in turn i was instructed to put in a amount column i was unaware i was adding to amount column bank of america called me about a hour later and said they detected fraud on my account they were able to block 5 transactions but the first one for XXXX went through because it was the first one from someone named XXXX my claim # is XXXX i am looking to recover money that was withdrawn from my BOA account illegally can you help me bank of america needs documentation presently my XXXX XXXX account is locked i will be able to provide text numbers sent to me on XX/XX/XXXX but in order to reveal nature of texts i need to file a supena from county court judge which i hope to be able to do in the next day or two do you need more information to help me with this claim thank you XXXX XXXX
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I submitted a dispute with Equifax on XX/XX/XXXX via the website with an estimated completion date of XX/XX/XXXX. I continued to monitor the request through out the month but there was no resolution posted within the 30 days they have to investigate. I sent a letter ( attached ) with a screen shot showing there were no results after the 30 days and advising them that by law they have to remove what I disputed. They received my letter advising them of FCRA guidelines and they opened a reinvestigation which was not what was requested. They then posted the completion date of XX/XX/XXXX but did not make this available until 45 days after the request. They back dated the completion date because they saw that no results were posted. This was pending up until they received the letter which was well after the 30 days. This needs to be investigated because I know that those things should be removed due to their lack of response. 

The screen shot of the progress was taken the day I mailed the letter ( XX/XX/2017 ) and they uploaded that information on XX/XX/XXXX. Equifax went and back dated to make it look like they had completed my results by XX/XX/XXXX which is absolutely false.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a CapitalOne credit card in collections with CapitalOne and I received a XXXX for the charged off amount. CapitalOne is requiring me to pay off the pass due, charged off and XXXX amount of {$7000.00} so the current balance same the same but the past due will be XXXX. This tactic of showing a past due amount along with the current balance is used to impact my credit card utilization and lower my FICO score preventing me from receiving a new home loan.
Consumer complaint received 2023-03-19
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. (NE)

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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPARTMENT OF EDU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 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.

15 U.S.C. 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-