davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (FL)

I filed a complaint against Experian XXXX, gave them numerous copies of my Drivers license and social security card, sent them copies of certified mail receipts and copies of all the letters sent to them, and instead of addressing the dispute and just removing the inaccurate information, they are now saying they do not believe I am who I say I am. As to their requirements I have provided ALL the required forms of identification, if they want my W2 with my current address, utility bills, vehicle registration, doctors note, note from my pastor, I can provide it all. This is just another stall tactic as they have been doing for the past few months because they do not want to do what they are required to do under the rules of FCRA, and believing I will give up and go away, I assure you I will not, as a matter of fact I am now filing complaints against them with the FTC and XXXX  today, and plan on researching any other agency that can help get this problem resolved since the CFPB seems to just pass along notes like little kids in elementary school instead of having a representative respond to the complaints being filed.
Consumer complaint received 2020-05-07
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. (NJ)

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2020-05-06
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. (AL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-05-07
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. (OH)

Dear Sir/Ma'am, My friend used my social and personal information to apply for a credit card using the promotional letters which banks often send out as advertisements. My social was used without my consent. I didn't authorize to file a credit card application. 
I explained this situation to Experian credit reporting agency. They didn't help me. I humbly request for your help. I have worked hard in improving my score each day by paying my debts in full. A unauthorized hit to my credit score sadly is painful to me Thank you, XXXX XXXX
Consumer complaint received 2020-10-10
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: LEXISNEXIS (SC)

I am a victim of XXXX  identity theft. Some men got my social security number and used it for years. I was married 34 years and never paid attention to my credit file because my deceased wife started all our credit needs. She used her ss # and I came in and signed the paperwork to pay for everything. Until after she passed away, I felt I was getting credit also. After she passed, i went to buy a car nd was told my credit was very bad. I denied it and said we always paid our bills on time. I saw my credit report and there were almost 30 negative accounts on my file, as well as a few names and different states. I had to go to the police and file a report. The police said I was XXXX  and had a XXXX  for my XXXX. I denied it but the police said I had been. I got my info saying I had used an alias. I denied that, but none of the police believed me. They took my fingerprints and they did not match against the identity thief. The FBI said I could change a lot of things, but could not change my fingerprints. I was exonerated. Now, in getting those fraud names and addresses of my credit files has been a nightmare. The CRA 's breaking the law, outright lying to me. Also, some reps at the CRA 's told me things that would be finished by certain times, did not do it then end up ignoring me after repeated attempts to contact them via phone call voice mails, and emails. The law under 605B of the FCRA gives the CRA only 4 business days to correct the fraud items off my credit file.

Needless to say, those 4 days have come and gone. 
LexisNexis is the specific entity to say one thing and not perform and making their words lies and I am still harmed irreparably. To be lied to like this is very disheartening. Fix it now.
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion Smart Move is reporting that I have an eviction filing that falls under their eviction proceeding report. I have never held an eviction and the filing for this case was dismissed.
Consumer complaint received 2021-07-15
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. (PA)

Transunion investigated XXXX XXXX  and XXXX XXXX  several times. I reported the furnisher to the Attorney General of PA, and they reported that no adverse activity is on my report to AG Office of consumer protection of pa. I am requestingnthat the adverse action reporting be removed as they also stated all payments are being made on time!
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I have a XXXX XXXX credit card through Comenity Bank. I receive my once a month XXXX check on the first of each month so I pay my bills as soon as I can. I had a balance of {$48.00} on XX/XX/XXXX. I made my minimum payment of {$35.00} on XX/XX/XXXX, my due date was XX/XX/XXXX which should have reduced my balance to {$13.00}. Comenity bank charged me a {$35.00} late charge on XX/XX/XXXX. I have called several times trying to work this out with them and they have refused to remove the late charge and would not except my payment of {$13.00}. They say that my XX/XX/XXXX payment was applied to the XXXX statement!! How can they apply a payment I made in XXXX to XXXX? Now every month they are charging my account a {$35.00} late fee and interest and refuse to accept my payment of {$15.00}. I added {$2.00} in interest just trying to be fair of the amount I owe them. I have tried and talked to several different people and supervisors at Comenity Bank but they refuse over and over to correct my account or accept payment for what I owe. As of today 's date, they are staying my balance is over {$100.00}! Now I am afraid that this is going to ruin my credit report rating. I have never had a late payment on my account with Comenity Bank!!
Consumer complaint received 2022-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NC)

Between XX/XX/2022 and XX/XX/2022, a new account in collections was added to my credit report. The collection agency is CREDIT MANAGEMENT LP and the original creditor was XXXX XXXX XXXX. The open account has a balance of {$240.00} and was opened on XXXX. I do not live where XXXX XXXX  is available and the account was opened fraudulently through identity theft. I've tried to contact XXXX XXXX  without success and will be reaching out to CREDIT MANAGEMENT LP during business hours.
Consumer complaint received 2020-05-07
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)

THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO THE BUREAUS AND TO THE ACTUAL CREDITORS, I HAVE SENT THEM ALL THE REQUIRED PAPERWORK, I AM NOT SURE WHAT ADDITIONAL ITEMS THEY NEED FROM ME, I HAVE NO IDEA WHO THE THIEFE IS AND HAVE SNET THEM POLICE REPORT IDENTITY THEFT REPORT AND AN STATEMENT CONFORMING MY PERSONAL INFORMATION. AS A CONSUMER I NEED SOMEONE TO UNDERSTAND ME AND UNDERSTAND THAT I AM VICTIM OF AN IDENTITY THEFT.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP (TX)

Well I just find out looking at the vehicle I have is that the dealership I got it from never did a mandatory state inspection nor a emission test according to texas law before you sell a vehicle to a consumer otherwise if not that's unfair and deceptive practices and u.s. bank was aware of this issue and didnt get all required documents from XXXX XXXX XXXX where I got my vehicle from ... us bank Been deceiving me this whole time and dont have complete records
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

We bought a home and they raised our interest to 10 percent and would not allow a modify the interest and they refused and forced us into a short sale to not be in collection but we than had to pay XXXX to irs because we had a difference we had to pay. It was awful. It was ocwen for XXXX XXXX. They put us through all kinds of XXXX and lots of wasted papers and faxing. Address XXXX XXXX XXXX XXXX  mi XXXX.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I, the consumer has attempted to reconcile directly and through XXXX and experian to delete these accounts from the consumer report Pursuant to 15 USC 1681 there is a grave responsibility to my privacy there is no written consent given to Dept of education, XXXX, or XXXX  to report any of this information there is no consent given to Exoperian XXXX  or XXXX  to furnish this information
Consumer complaint received 2023-03-07
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. (IN)

Collection Agency XXXX has Failed to properly validate a medical debt with a Certified letter for the original contract and wet signature. They have been repeatedly in violation of the CFPB and have yet to receive any verified or validated proof this debt is mine.
Consumer complaint received 2020-05-06
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-06
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. (TX)

I did not authorize anyone employed by XXXX XXXX XXXX, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately :  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

We are very disappointed with the way American Express has handle our account recently after being a customer since XXXX. I had called them to get the amount due deferred which was approved for one month, I was told that the deferment would not interfere with us using the card, I also told the agent that we have a XXXX XXXX and our revenue right now is almost 25 % from 100 % and that we will during the month make some type of payment as money comes in. On XX/XX/XXXX I attempted to pay our auto insurance and the payment was declined, that same day I was planning to make an online payment of XXXX.I called and after being tossed around to different dept I finally got an agent to help me, he couldnt understand why the transaction was declined, he put me on hold and went to speak to his supervisor, when he came back on the line he said the reason why was because our pre set limit was XXXX and we only had available XXXX, I ask him since we had planned to pay the XXXX will that allow us to resume the charges, he said that if I made the XXXX payment, then we would have XXXX available, I explained to him that thats almost all the money we had and we counted on the Amex to keep purchasing the essential he said yes that we would be fine as long as we dont go over the limit, 2 days later our charging privilege were suspended and the balance was only XXXX we still had XXXX available going by the XXXX which is what he told us, now we couldnt charge and we had given American Express almost all the money we had, how can they do this? I called again, the first agent I spoke to told me that the reason was because we needed to pay XXXX which was part of the deferment and the current which its not due till XX/XX/XXXX, this amount was deferred how can they suspend our charging privileges for that reason, I had her transfer me to a supervisor, after a long wait I got someone that his english was so poor I had a hard time understanding him and what he said was that the pre set limits change, I told him, I was not told that, he said all I could do is make another payment, I could not believe my ears we are going thru this pandemic and here is this guy telling me to make another payment? With what? Now I couldnt pay them anything else because they took our money and stopped us from charging for no good reason .... We were lie too and I find that so unprofessional, I can't still believe what American Express has done to us mostly at this time. There is no way for us to be able to pay anything else on this card because the cash that comes in we have to use it. Very inhuman, we thought American Express was the best, not anymore, we will never forget what they have done to us. We were lied too and cheated. Not acceptable.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (MN)

On XX/XX/2022 I was served with a Summons for a debt for an account that I believe is not mine. I had n prior notification or contact about this debt. Attorney XXXX : XXXX and XXXX XXXX XXXX  : Crown Asset Management , LLC. Original Debtor : XXXX XXXX for an account called " XXXX XXXX ''. Amount of debt : {$1300.00}. 
I was not contacted by anyone prior to being served the summons. I responded via mail to the attorney, disputing the debt was mine. In response I received via mail copies of 6 statements that had no identification ( no name, acct number, address, etc ). There were also 108 essentially blank pages. 
I responded in writing again, stating this was not my debt and pointed out there was no identifying information on the documents that were sent. The attorney responded in writing saying that the records had been photocopied incorrectly. He sent more copies of the records with a name and address. His letter then continued asking me to call him so negotiations could proceed to settle the debt. 
My XXXX letter that I sent to the attorney asked for a copy of a signed credit application to prove this was my debt. I also asked for the date of the Statue of Limitation. I received another set of the same paperwork, but nothing that I asked for. 
I am being taken to court On XX/XX/2022 over this. I can not find an attorney to represent me because the debt is so small. I am scared and find this whole process intimidating and humiliating. But more than that, how can any debt dealership company like Crown Asset Management be allowed by law to persecute people without evidence of any legally signed contracts?
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Good morning & happy Saturday! - How are you doing? I was shocked today when I reviewed my credit report today and found late payment remarks for my 10-15 student loan for XXXX. I've already disputed these accounts and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate - These accounts are illegally reporting on my credit report or profile. For example, hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly by cfpb before. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.