davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Equitable Acceptance Corp (MD)

I was contacted by a man named XXXX XXXX ( ph.XXXX, fax. XXXX, email.  XXXX ), stating that he was from a company called XXXX XXXX ( XXXX ). He claimed he was going to help fill out the forms needed to reduce my student loan debt. The emails that came from him has an additional company name of XXXX XXXX. I asked him what that company name was, he claimed it was the parent company for XXXX XXXX. After he took my information he told me payments would be through a 3rd company called Equitable Acceptance. They are to change me about {$1500.00} for a form I fill-out for free every year with the Dept of Education. I decided to cancel the service via sending the cancellation documents to the address on the forms : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I was contacted by XXXX XXXX on XX/XX/XXXX, the cancellation was to be received by XX/XX/XXXX. Paperwork was mailed the XX/XX/XXXX to be received by XX/XX/XXXX. My letter was returned to me on XX/XX/XXXX by the USPS stating the address was " Undeliverable and Unable to Forward ''. Phone numbers for XXXX XXXX and XXXX XXXX ( ph.XXXX ) are disconnected when you call them, I have tried on my cell phone and landline numbers to reach them. I believe XXXX is actually a front for Equitable. I contacted Equitable Acceptance and was told they " did not receive the cancellation information before the due date '' I have documents proving I attempted to cancel within the timeline, I have emails from the offending party and text messages from Equitable. I also have additional phone number and emails from others involved with My XXXX  XXXX : XXXX XXXX ( ph.XXXX, Off Ph. XXXX, Fax XXXX, email. XXXX ) and XXXX XXXX ( ph. XXXX, email. XXXX ). I contacted the Dept of Education and they are aware of the fraud, advised me NOT to pay them, to contact BBB and Attorney General and them. As of today, I have submitted complaints to both the BBB, the Maryland Attorney General and the Federal Trade Commission. Equitable reached out in the BBB claim with a general auto response and disconnected phone number to contact XXXX. I have had to put a freeze through all three credit bureaus as well as filed fraud claims, however XXXX and XXXX state that Equitable Acceptance is already showing on my credit reports.
Consumer complaint received 2021-04-08
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: EQUIFAX, INC. (FL)

I am writing to you regarding my credit report because I recently checked it and found accounts that are not mine. I do not understand how these items appeared in my credit report. However I filed identity theft report because I know that probably someone used my personal information or its error in reporting. Pease I ask you for some help! Could you please investigate the accounts in my profile and find out what exactly happened there. In case you find who did it please remove the items.
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Complete Professional Recovery LLC (IL)

The company Complete Professinal Recovery accocount popped up on my credit report on XX/XX/XXXX and this company is trying to collect a debt that was from XX/XX/XXXX and that i included in bankrupty with the original creditor on XX/XX/XXXX. The company states that this account has been reporting on my credit report since XXXX but I spoke with an agent at transunion to verify and they said that they do not see this company anywhere on my credit profile from XXXX to current. Nor have I ever saw this company on my credit report ( I have old copies ) This account was also opened but not by myself. The Also the original creditor removed this credit account from my credit report in XXXX. And they are the ones who were included in the bankruptcy 5 years ago not this collection agency. and according to the and according to the XXXX siteThis collection agency also isnt licensed to collect in the state of illinois which requires a license
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

XXXX XXXX called my son XXXX  XXXX based on information that he got social security. She illegally looked in our checking account to see our income status then she yelled it out in our neighborhood that we were poor & she made more money than I will ever have. Then she falsely accused me of harassing her & getting her co-workers involved in committing crimes against me & my son. Then she made the comment why don't I take my " XXXX XXXX son back in my home ''. So how am I harassing her when she called my son that hate slur based on financial information in my checking account & how he was receiving social security XXXX. She was the XXXX harassing men and my son & what authority did she have to tell me what to do anyways on my own property. XXXX doesn't want me to have a thing because I am a single female who earned my own home from work I was XXXX years old at the time this happens. So naturally, the police were siding with XXXX XXXX. XXXX convinced wells fargo I harassed her & had my new checking account closed on XX/XX/2015. Wells fargo knows I'm innocent but they want to side with her. I am the victim of XXXX & XXXX XXXX. I can sue them for defamation of my character because they refuse to settle. XXXX XXXX has ruined my life for no reason.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681.

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 an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make a 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 7 years. 

XXXX, XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  : Account # XXXX
Consumer complaint received 2021-04-08
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. (CA)

There are XXXX Accounts on my credit report that do not belong to me I have been trying to understand why these are even on my credit report I have sent out disputes to the bureaus regarding this I need this taken care of right away since I am getting frustrated by dealing with other peoples mistakes and how people are getting my information baffles me. 

Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-10-15
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. (OH)

Someone stole my identity and opened up fraudulent accounts in my name. I have tried to reach out to Experian, XXXX XXXX XXXX to dispute and they haven't made the changes to remove these fraudulent accounts. I am attaching a FTC report that i have filed. Please remove these fraudulent accounts.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been unable to log into my Transunion account online since XX/XX/2020 ... I have contacted Transunion on 4 different occasions via phone attempting to get access to my account online so that I can see my credit score and manage my accounts to ensure there are no errors, as well as manage my freeze on my credit profile and I have not been successful. They have provided me with an error code of # XXXX, via phone, but this error code has not been fixed to allow me to access my credit report on line, so I can monitor it.
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I had financed furniture with Ashley Furniture XXXX Synchrony Bank, with a promotional finance term of 0 % interest for 12 months. After expiration of the promotion ( XX/XX/2023 ) ; bank charged me almost {$4000.00} interest on my remaining {$6700.00} ( approx. ) balance. This is absurd as i was not aware of the term " Deferred Interest Rate '' which would apply to the original finance amount, not the balance remaining. I tried calling them to negotiate it and have had requested to pay off the entire balance all in once, but they are not budging at all and being firm on the interest rate. This puts me in a off balance financial situation where i am nothing but obligated to pay this absurd amount. 
Please assist.
Consumer complaint received 2021-02-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

Ally Auto Fiancial ( Auto Loan ) This is my second vehicle financed by Ally Auto. The previous vehicle was a XXXX XXXX, which I paid off before time in full ; hence Im a good customer. 
Due to the COVID-19 furlough, I had requested more time to pay my current Ally auto payments. I was asked to contact via chat, and I did on XX/XX/XXXX. I was assured that I would not be paying any interest etc., till the end of XX/XX/XXXX. 
However, I received an email from Ally in early XX/XX/XXXX that I was late in payment. Then, on XX/XX/XXXX, I contacted Ally auto via email and phone. Email reply was an auto-reply from Ally asking me to call. I have tried several times to call Ally auto but was promptly placed on hold for more than 45 minutes. I was told by one representative on phone you are from XXXX, why are you in the USA. ( Im a proud US Citizen ) I called a few more times to work something out with Ally auto, but every time was placed on hold, endlessly. 
Ally auto never called me back or replied to my emails to work out a payment plan or a fair resolution. I believe I have been treated unfairly inspite of having an excellent paying history. 
Ally Financial is also unfairly sending a negative report to credit bureaus. 
I am requesting that Ally Auto cancel my payments for a couple of months and retract any negative report sent and work out a payment plan. 
Im hoping that this can be resolved in a mutually agreeable term. Ally financial called today ( XX/XX/XXXX ) and threatened to repossess the car and ruin my credit history. I believe I am a victim of Ally Auto 's predatory business practices, discrimination and bias. 
I'm being forced to pay inspite of promises made by Ally Financial without making any current concessions due to COVID-19 pandemic. 
Thank You for your help! 
XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (CA)

Moneylion continues to violate the bankruptcy discharge that we received on XX/XX/XXXX. 

The XXXX XXXX case was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. Moneylion received notice from the court, as well as me. I responded to Moneylions debt collection emails on XX/XX/XXXX, XX/XX/XXXX, XXXX, and finally today, XX/XX/XXXX, all reminding them of the bankruptcy and provided discharge documents. Moneylion has instead chose to wrongfully and injuriously report further delinquency to my credit report.

Credit disputes continue to receive incorrect information from Moneylion, despite providing the court documentation.
Consumer complaint received 2022-04-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022, I sent a letter to XXXX and Transunion notifying them about the inaccurate information on my consumer report. Until now I didn't receive any response or any result of their investigation. I feel frustrated and I am in distress this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: B&F Finance Corp. (TX)

XX/XX/2021 I went in to get a loan and they said they would get the loan but then the lady XXXX threw my is at me and stated she wouldnt do business with me pulled my credit without asking me and that is illegal. They wore being XXXX to me because of my ethnicity.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX  XXXX XXXX Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Iam not liable for the debt with XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX They did not provide me with the original contract that I requested.
Consumer complaint received 2021-04-08
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: EQUIFAX, INC. (TX)

I applied for a credit card and Equifax dropped my score down 71 points i only have 4 inquiries on my credit and now they have 7 months of perfect credit from my car note and they have not shown any kind of credit increase for this and they are dropping my credit for no reason and not reporting it correctly and I want this fixed or do I need to take them to court What they are doing is totally illegal and they should be held liable to fix this. 

XXXX
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

*****Hello, My name is " '' '' '' XXXX XXXX '' '' ''. I have tried to correct my credit report over the past 2 years but none of it works. I notice that all of the employment information and some of the addresses that are listed in my **credit report***. There are also several incorrect information that exist in my credit report that not belong to me or any of our business. I really demand to have all of these information clear off my credit account. Here are the addresses and employment information : & & & & & & & & & & & & & & & & & & & & & *XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ***XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **************************
Consumer complaint received 2017-12-11
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 (IN)

On or about XX/XX/XXXX at XXXX XXXX ( not sure which time zone ) I contacted XXXX ( Synchrony Bank handles their credit card ) from XXXX at XXXX to ask how I could pay them, the {$32.00} TOTAL I owed them and that was due on XX/XX/XXXX, because I was overseas, I did not have my full account number, only the last four numbers, and was having difficulties trying to pay online. I was told that I could send a check through my bank to an address they gave me ( XXXX XXXX XXXX, XXXX, GA XXXX ) and that the last 4 numbers and my name would suffice. After asking for reassurances, that were given by XXXX, that was done, according to my bank, on XX/XX/XXXX ( Check # XXXX was mailed to XXXX XXXX XXXX/Synchrony Bank for receipt by XX/XX/XXXX ). I then forgot about them since I had not incurred any other charges. Some time after I got back, I was catching up on my mail on or about XX/XX/XXXX, when I opened a XXXX statement and to my utter surprise found that they were saying I was delinquent for the XX/XX/XXXX payment, and had various additional charges. I notified them immediately about the error, what had transpired, AND sent them proof of the payment sent. I also told them that the payment had NEITHER cleared my bank nor been returned to the bank 's payment service. After a series of contacts, including phone calls, they advised that it could take 30 days for them to investigate what happened to the payment. I was n't happy it would take that long, but there was not much I could do about it. Then, I received an alert from one of my other credit cards ' credit alerts service advising that my score had changed. It seems XXXX/Synchrony had negatively reported me and my score had taken a hit. At that point, I contacted them again and expressed my outrage ( I have more than 6 other accounts with them, more or less, never late, etc. ). They were very disorganized and not understanding what was happening. I was trying to explain that, at the very minimum, they should suspend all the charges and statuses until they could determine what happened to the check. I then filed a dispute with the credit bureau or bureaus and, lo and behold!, they were able to immediately respond to that action ( no thirty days required for that ) and sent me statements about the payment not showing up and, therefore, declaring the reporting as being correct. No payment is showing up because something happened at their end at the address they gave me!! They are absolutely clueless and disconnected from their departments but, in the meantime, they are UNFAIRLY and WRONGFULLY hurting my credit.
Consumer complaint received 2022-08-12
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} and XXXX XXXX XXXX Date Opened:XXXX  Balance : {$0.00}.