davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm 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 on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2021-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (GA)

SOURCE RECEIVABLES MNG Original creditor : XXXX {$1800.00} Balance updated XX/XX/2021 This company Source Receivables MNG never approach me in an email, through the USPS, or any other method of notification that I need to respond to a debt that was given to them by XXXX. I got notifications on all credit reports today XX/XX/2021 that I had a new collections account on my credit report. I want this removed, I am willing to pay a portion of the debt in the amount of 10 % of the total amount equal to {$180.00} and it be removed without the statement of settled or any other language, completely removed. 

Thanks in Advance, XXXX XXXX
Consumer complaint received 2020-11-28
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-10-05
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. (VT)

This complaint is against XXXX XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XXXX car was purchased, XXXX car was stolen, XXXX was supposed to retrieve car they never did. Car was never repossessed placed on credit report as charge off. XXXX, XXXX lost XXXX XXXX dollar law suite which I should be included in because of when my car was purchased and lost. XXXX  has removed the loan from my credit report as well as XXXX  but Experian has yet to do so even with the evidence that it should be deleted permanently. XXXX or the Attorney General of California have yet to make contact with me in regards of how I will receive loan forgiveness and/or compensation for lost vehicle. I am in the process of getting a high security clearance and this is hindering the process.
Consumer complaint received 2022-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX I missed a payment. I contacted Bank of America and was granted 6 months to bring my account current. I paid additional with my regular payments. In XX/XX/XXXX I contacted the bank for the amount to bring my account current. Their amount didn't match what I believed the amount should be. Reviewing my payments, I discovered instead of posting an amount to my past due the bank posted to additional principal. I requested by phone this error be corrected. I was assured the posting was corrected. I was given an amount which matched what I showed would bring my account current. I paid this amount with my XX/XX/XXXX payment I made the XXXX and XXXX payments and my account online showed current. The bank then reposted my XXXX and XX/XX/XXXX payments and showed my account past due. I was unable to make my XX/XX/XXXX payment online. I went to the bank in person. The teller told me they could not accept my payment. They accepted my payment when I requested they write " refused payment '' on my check. This amount is showing as " unapplied ' and Bank of America shows I am past due for my XX/XX/XXXX payment although the check has cleared my bank. The incorrect posting to principal has never been corrected. I have sent B of A a copy of the payments that cleared my bank several times. I have requested all contact be done in writing so I would have proof I have tried to get this problem corrected. I was contacted by phone and I requested I only be contacted in writing. On XX/XX/XXXX, Bank of America called me. On XX/XX/XXXX they called 3 times and two more calls on XX/XX/XXXX. I am now being harassed by Bank of America. I have sent them copies of the payment that cleared my bank as well as where the payment should have been applied vs where they applied them and requested the correct the way my payments were posted
Consumer complaint received 2020-11-28
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. (LA)

On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of XX/XX/XXXXData Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Consumer complaint received 2020-11-28
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. (LA)

On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of XX/XX/XXXX Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Consumer complaint received 2020-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, I sent a compliant for Experian that I am a victim of identity theft and they keep sending me the same EXACT message for the two complaints that I sent, along with A copy of my social security card and my driver license TWICE.
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MI)

I lived in XXXX XXXX XXXX  back in XXXX and left XXXX XXXX I had constant high water bills due to the broken toilet that was their responsibility to fix. They sent someone out to fix it but they did not fix it properly so I kept getting these water bills that were over {$300.00}. I tried to tell the management crew but they never sent someone out again and would not assist with helping with the water bill. I requested to terminate my lease early due to their lack of consideration and constant problems with the trailer itself. They put an eviction notice on my window without serving it to me myself, I didnt even notice it for two weeks. We met in court to figure out a solution and it was agreed upon that if I were to move out by XX/XX/2019 ( 2  months before the end of my lease ) that all debt and payments would be forgiven. This year the just now stuck me with a bill on my credit report for {$2000.00} and never sent me anything for it. This debt was settled and should not be on my report. They have also not responded to me about a copy of the bill so I can dispute it further.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm 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 on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I got a mail saying that there is a credit card open in my name. I never opened this card. It is from fanboy. First National Bank of Omaha. The number listed XXXX is not that banks number. When I called they asked for my birthday and other info. I dont think these people are the actual fnbo. They hung up when I asked more questions.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

An unauthorized hard inquiry showed up on my credit report on XXXX from XXXX XXXX XXXX XXXX XXXX. I immediately contacted all 3 credit reporting agencies to place fraud alerts on my credit report. I have also contacted XXXX XXXX and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.
Consumer complaint received 2020-11-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020, BANK OF AMERICA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XX/XX/2020, XXXX/XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

I received a copy of my credit report and have some hard inquiries on my report that I do not recognize. 

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
Consumer complaint received 2022-01-30
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. (GA)

Im filing this complaint to have three credit cards taking off my credit report, my identity has been used and my information has ended up on the dark web, I want these accounts deleted from my file before I file a ftc identity theft report, I found that these cards are on 3 credit bureaus I did not open these cards because they are fraud I want them removed from all three credit reports, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these companies used my information to open these accounts in my name please removed these accounts immediately, Im filing through the consumer financial protection bureau because XXXX and XXXX has rude customer service and Im tired of of being hung up on, please get this done for me and please no excuse
Consumer complaint received 2022-12-08
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. (NC)

OK I DECIDED TO CHECK MY CREDIT REPORT AND THIS COMPANY APPEARS ON MY CREDIT REPORT AND HAS ME AS A JOINT OWNER THIS COMPANY HAS NEVER BEEN ON MY CREDIT REPORT AND FURTHER MORE I DONT EVEN NO WHO THIS COMPANY IS I CONTACT THEM AND THEY HAVENT DONE ANYTHING I NEVER SIGNED A CONTRACT OR SIGNED ANYTHING FROM THIS COMPANY THEY NEVER CALLED MY PHONE TO CHECK TO SEE IF IWAS APPLYING FOR ANY KIND OF LOAN OR CREDIT THIS INFO IS LISTED ON MY CREDIT REPORT SO WHY DIDNT ANYONE CONTACT ME I DONT OWN ANY EQUIPMENT FROM THEIR COMPANY OR ANY OTHER COMPANY I HAVE ASKED THEM ABOUT THIS ACCOUNT AND THEY HAVE SOMEONE ELSE 'S NAME ATTACHED TO MY SSN I OWE THEM NOTHING I DONT NO THEM AND NEVER EVEN HEARD OF THEM UNTIL LAST WEEK THEY HAVE RUINED MY CREDIT
Consumer complaint received 2019-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

RE : loan number XXXX Citibank NA- Home Equity line of credit Citibank agrees that the debt was paid in full. They have filed incorrect paperwork to the IRS as a write off of debt. 
So the IRS is asking us to pay on XXXX. The sum of the right off the Citibank CFO in  properly filed with the government. I have tried to get this straightened out as has my accountant. 
I have till XX/XX/2019 to make the case against this. I have tried filing and my accountant has filed paperwork to no avail. 

Please help. 
XXXX and XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting 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)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

I had a promotional account with Synchrony bank to finance flooring for my home, and realized I had paid thousands of dollars of interest in only 18 months. ( This would have been XXXX XXXX over 5 years ). 

I was viewing my loan statement on XX/XX/22 when the amount owed struck me as odd. This account is set to auto-pay so I don't pay much attention to the amount usually, but this time for some reason it stuck out. 

When I signed onto the account and checked my statement, I discovered I had been paying 30 % interest for year and a half. I never received a notification of any kind that the promotional period had ended ( it was for 12 months ). After speaking with the bank directly, they pointed out that the statements near the end of the promotional period have the verbiage written within them that the promotional period is ending. This lack of information resulted in a paid interest of {$4400.00}. This was nearly 75 % of the entire loan amount. The bank only offers waiving interest within 30 days after the promotional period has ended. 

It is my feeling that such an exorbitant amount of money ( which was paid in only 18 months ) dependent on fine print for the average XXXX consumer is bordering criminality. I am not rich, nor am I a business. The fact that all of the personnel I spoke to from the bank mentioned that the information of the promotional period was available in a prior statement ( no longer available online ) indicates that there is no other method of communication for the customer. This kind of purposeful informational neglect by a bank should not be allowed, and there should be a more proactive approach to alert the consumer that such a charge is taking place.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (AL)

THIS COMPANY HAS BEEN CALLING MY NEIGHBORS PHONE HARASSING THEM ABOUT A DEBT THAT IS NOT MINE. XXXX IS CHARGING FOR EVERYTHING BUT WHAT I ACTUALLY OWE THEM WHICH IS NOTHING. XXXX TOOK ME THROUGH XXXX VIA THEIR ONLINE SERVICE.I SIGNED UP TO BE A CUSTOMER ONLINE AND IT WAS A DISASTER. THEY SENT ME 4 SIM CARDS ... HAD MY PHONE NUMBER MESSED UP 3 TIMES. I HAD TO GO IN THE STORE AND TRY TO GET THINGS STRAIGHT. IT WAS A MESS AND NOW THEY HAVE SENT HIS COMPANY OF LIARS AND THIEVES AFTER ME TO HARASS MY NEIGHBORS AND ME ABOUT AN AMOUNT THAT I DO NOT OWE!! MY NAME IS NOT EVEN CORRECT. MY NAME IS XXXX  ... .I NEVER SHORTEN MY NAME. THAT IS DISRESPECTFUL. STOP HARRASSING ME AND MY NEIGHBORS
Consumer complaint received 2022-07-11
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. (NY)

In Accordance with the Fair Credit Reporting Act XXXX XXXX  along with the three Credit Bureaus XXXX, Experian and XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.
Consumer complaint received 2022-01-30
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)

I have new and updated information regarding CFPB Complaint Number XXXX. Experian falsely stated that the XXXX XXXX fraudulent inquiry furnished on my consumer credit report did not exist. I've attached exhibit A which reflects the fraudulent inquiry furnished on my consumer credit report. The second slide in exhibit a shows where Experian deleted this inquiry, but they portrayed that it never existed. Their deletion is admission to guilt and their willful noncompliance in violating my federally protected rights under the Fair Credit Reporting Act.
Consumer complaint received 2021-09-22
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: Experian Information Solutions Inc. (IL)

I am an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!