davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX XXXX, and I am a Federally protected Consumer. I am initiating this complaint in order to address the unfair, impartial, and inequitable behavior of the consumer reporting agency EXPERIAN in regards to a recent Fraud Alert which was added to my consumer credit profile without my expressed written instruction, consent, or authorization. After providing specific written instructions pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information was authorized to be furnished on my consumer credit report, an agent, authorized representative, or employee of EXPERIAN elected to place a Fraud Alert on my account, and subsequently notified XXXX, and XXXX that a Fraud Alert was requested by the consumer. IT IS A FACT THAT I DID NOT AUTHORIZE A FRAUD ALERT to be placed on the account and I DID NOT PROVIDE ANY PERSONAL STATEMENT regarding a Fraud Alert to be added by EXPERIAN or any other credit reporting agency. EXPERIAN as a repeat offender and violator of the FCRA, continues to habitually demonstrate its disregard and lack of respect of my rights as a consumer by deliberately and willfully failing to comply with its obligations under the FCRA. I have attempted multiple times to address this issue by directly calling the EXPERIAN Fraud Department, however each attempt has been unsuccessful. EXPERIAN as a consumer reporting agency governed by the FCRA has no authority under Federal Law to willfully and deliberately ignore the specific written instructions of the consumer made pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information is authorized to be furnished. EXPERIAN is once again willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of the Fair Credit Reporting Act by failing to furnish information in accordance with the written instructions of the consumer. It is hereby required under Federal Law that this agency immediately remove or delete the unauthorized Fraud Alert and the Unauthorized Personal Statement pertaining to the Fraud Alert.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I previously ask for a investigation into my credit file because there are account that are not reporting factual data please re- investigate these accounts and please hold these companies accountable for inserting incorrect information that is damaging people credit files.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-03-23
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (AL)

Amerassist has been negatively effecting my credit by inaccurately reporting that I owe for a bill that was resolved with the original creditor XXXX XXXX Ive disputed with XXXX XXXX but it still remains on my credit report. This is a violation of my rights 15 US Code 1681 A4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. XXXX  XXXX did not make any of my trays correct and cancelled my order when I explained the issue. Amerassist has no right to report on my credit report. Amerassist should not have any of my personal information. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Amerassist is in violation of contacting me and has a different amount on the statement they sent me {$1500.00} and a different amount on XXXX XXXX XXXX which under mines me is harassment and abusive practices.
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

I've been attempting to make payments on accounts with Comenity Bank including XXXX and XXXX XXXX since XX/XX/XXXX, the web-sites for both accounts are being updated, according to rep spoken with today, XX/XX/XXXX. I attempted to make a future payment for XXXX, when payments are due for both accounts, was told to speak with collections... However, the collections rep advised she can not make a payment due to update ... It is not clear when sites will be operational, which is not my error, should not be charged late fees..Payments are due in two days, it does not appear site will be up anytime soon..
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

Account name : XXXXXXXX XXXX XXXX account # xxxxxxxx XXXX contact : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, DE XXXX XXXX This account has been closed and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX XXXX I do not recall this information and debt, I wish this to be removed from my credit report Account name : XXXX XXXX XXXX account number # xxxxx XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This has been closed and paid off and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have not given them approval to run my credit and I wish this to be removed from my credit report 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 written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of information any other adverse item of information, other than record of convictions of crimes which antedate the report than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OK)

Disputed and Requested information from credit bureaus ( XXXX, XXXX, XXXX ) to verify debt from a company. Requested removal until debt could be verified. Dispute was claimed accurate with no documentation or verification give to me. I only received a single notification that it was completed with no proof of accuracy, to me, the consumer. 
Debt was to a Jefferson Capital Services for a little over $ XXXX. They are false reporting and damaging my credit and name. I never had, nor have any knowledge, of an account or owing money to Jefferson Capital Systems.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I made a purchase on XXXX {$2100.00} at Best Buy using my Citibank-Best Buy credit card. This was 18 month PROMOTIONAL PURCHASE : To avoid interest charges, I had to pay the above amount in full by XX/XX/2022. APR 25.24 % At the end of the promotional period I had a balance of {$200000.00} for this purchase. The credit card issuer has charged an amount of {$1000.00} for deferred interests just for this purchase. 

I called the bank and they gave me all kind of unreasonable answers. At the end none of their representatives was able to explain how {$2000.00} can generate interests of {$1000.00} for a 18 month period.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have filed multiple disputes with Equifax concerning an unauthorized hard inquiry ( XXXX XXXX XXXX Acct # XXXX ). On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from Equifax that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXXXX/XX/XXXXsent me a letter and also sent a letter to Equifax saying " After review of the XXXX XXXX XXXX claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to Equifax to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does Equifax continue to say the hard inquiry is verified? That's a lie! This is really starting to irritate me. I am also a victim of the Equifax data breach. 

XXXX responded to my cfpb complaint # XXXX and attached the letter, which is dated XX/XX/XXXX, which states, " We previously advised the credit reporting agencies to delete the account and the associated inquiry from your credit report. '' SEE ATTACHMENT. 

With this evidence, Equifax is in violation of the FCRA and must delete this inquiry TODAY. 

This hard inquiry needs to be removed from my Equifax credit report today!

Very Respectfully, XXXX XXXX
Consumer complaint received 2021-09-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In approximately XXXX of XXXX I was contacted by BofA and offered a forbearance on my existing HELOC loan. I was informed that I could postpone my payments and at the end of the forbearance period I would be able to defer those payments. I asked them to explain. The representative told me I could move the amount that was deferred to the end of the loan and then continue to make my regular monthly payments. Which means it would extend the months in which my loan would be paid off. This sounded like a good option at the time so I moved forward and had agreed to the forbearance. Unfortunately now I come to find out I was mislead by the BofA representative. At the time I dont think the representatives were very knowledgeable about the process of forbearance which lead them to giving thousands of people like myself incorrect information. Now my forbearance period has been exhausted so I contacted BofA on XX/XX/XXXX and was told specifically, if I can start making my payments again they would give me a deferral on the postponement amount and my regular monthly payments would now continue. I agreed and was told the deferral package was in the mail for me to sign and send back and I could now resume payments. I made my payment for the month and waited for the deferral package in the mail but it never arrived. So after 6 days I called back and was told, sorry, you dont qualify for a deferral and the representative was wrong and misinformed you. Your only option is loan modification or sell. I was shocked. I have been in my house for 22 years and prior to COVID had been paying regularly. I was mislead in the beginning of this forbearance program and would have tried to come up with another solution if I had been properly informed by the BofA representative. I also was mislead on XX/XX/XXXX when I was told by the BofA representative I was getting a deferral only for it to be untrue after we agreed. If I had not called back after 6 days I also would have never known that no one was going to call me, email me or sent me a letter to let me know what I was told was not going to happen.
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the fair credit reporting act XXXX account 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX, XXXX Account # : XXXX XXXX Account Type : Installment XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX Automotive : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXXnce : XXXX XXXX XXXX CO XXXX : XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Finance : XXXX XXXX XXXXXXXX Finance : XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX  XXXX Automotive XXXX XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Finance : XXXX XXXX XXXX Home Furnishing : XXXX XXXX XXXX Finance XXXX
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Joint bank accounts a checking and a saving with an Ex-boyfriend. 
ex boyfriend used a fraud check to deposit to checking and saving with drew funds at ATM and walked in to a walk person teller. 
caused both account to be overdrawn and charged off. 
XXXX - XXXX. 
Report me to XXXX XXXX which I have already filed a claim with them as well help me with this hardship I was not aware and nor am at fault. 
this is a hardship for me alone as a single mother with now bad credit. 
your assistance is greatly appreciated. 
if you need to contact via phone please do XXXX stay healthy & safe.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Reference to complaint # XXXX, Experian Consumer solutions ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX or court, but they continue to delay or ignore.
Consumer complaint received 2020-08-28
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (VA)

I have a loan with XXXX XXXX, XXXX/XXXX, and SANTANDER CONSUMER USA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX, and SANTANDER CONSUMER USA with no successful resolution. There was definitely an error on their part
Consumer complaint received 2022-09-27
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. (PA)

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX : {$7500.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ID Analytics, Inc. (TX)

I have never authorized SageStream LLC to access any of my credit reporting. I have a freeze on XXXX, XXXX and XXXX   because I did have identity theft which I had to involve the police in the city I live in because someone was fraudulently using my information. I don't know who this sagestream company is and I don't want them, nor did I ever allow them access to any of my information and they refused to stop accessing my information without my authorization. They are impacting by reporting to my bank a low credit score over 200 points less than what my actual credit score is. They're providing information to companies that I have never submitted a request for credit through. This is fraudulent activity unauthorized by me that has to do with my credit.
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (CO)

Dear Consumer Financial Protection Bureau, I need your help in correcting a bogus XXXX XXXX bill that is negatively impacting my credit. 

I received an alert on my phone that my XXXX credit score had dropped by nearly 50 points. I then checked my XXXX credit report and noticed that Frontline Asset Strategies Collections agency placed a XXXX XXXX bill to my account in error in the amount of XXXX dollars. 

So, I called and informed the Frontline Asset Strategies call representative that I paid my final XXXX  bill in XX/XX/2021 in store in the amount of {$90.00}, at which time my account with XXXX was closed and phone number was transferred to another provider. 

The call representative said my address is XXXX XXXX XXXX XXXX which is not a place where I have ever lived or resided. 

I have contacted XXXX who expressed my account shows a XXXX balance, this is an error and is a signficant concern. 

I have an excellent payment history and do not owe XXXX as my final payment was made to them on XX/XX/2021. 

Thank you for the amazing work you do each day!