davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (NY)

In XX/XX/XXXX, my husband was commenting adultery and we are getting divorced, someone told me about freedom debt relief so I looked into it because my payments were large and now I am a single mother of two with a mortgage, student loans and a car payment. I had some of my cards for 14 years and have never missed a payment ever but I had no choice other then to see what this program could do! So they told me to stop making payments on my cards and that they would guarantee to settle my debt to lower amounts and save me money in the long wrong. So I started putting away {$390.00} every two weeks to them for a total of $ XXXX/month which was very hard but I knew it was only going to be for 5 years and then it would be over if not sooner based on their promises. Then a few months later they tell me to start putting away {$410.00} every two weeks for a total of $ XXXX/month so again I cried but had to do it. As of XX/XX/XXXX I have deposited a total of {$8500.00}. I got hit with three lawsuits right in a row and two of which they settled. My XXXX XXXX card for example they only got a debt reduction of {$2200.00} but then charged me a settlement fee of {$2300.00} ( which I get they are a business but they told me the fee is not paid until everything is paid and settled ) Then my XXXX  XXXX card was settled ( without my consent ) and they were able to have a debt reduction of {$3300.00} but then again charged me with {$2000.00} in a settlement fee. Yesterday I get a call from a lawyer that says I was hit with a lawsuit from XXXX and that I dont have enough money in my dedicated account and that I will need to put more money in- {$180.00} more every month and I then was very confused, I said well I have only paid around {$3000.00} out to companies, there should be a lot of money in my account to offer a settlement and she said no, there is only {$430.00} in my account. I then got very upset and called FDR. They are not willing to work with me in anyway and lied about their fee 's. There is no way they should have taken almost {$5000.00} in fee 's when I am still in the program for another 4 years. Just with those two cards alone, they are costing me more money then if I would have just contacted the companies and worked one on one with them! I asked if I could have my money back and get out of the program and just call my companies and they said I could leave any time but I would lose all of the money I have put into the program. I am very upset and worried and this is going to cost me so much more money in the long run! Its only been not even a year and I have already paid them so much money that I wasnt aware of and I have increased my deposits three times.
Consumer complaint received 2022-07-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (GA)

I just came out of bankruptcy and I did an affirmation with my car. My case was closed the before this month. I was making payments throughout the bankruptcy but it didn't look like it was being applied to my account which we got resolved. The calls started XX/XX/XXXX and the rep said if I made a XXXX dollar payment they could do an extension. I told him I would make the payment but I would be making another payment on the XXXX. But I would think about the extension. I received 10 times since then every day up to today. I have even spoke with XXXX who is a supervisor yesterday. I told her the same thing. I was told that because their system is on an automatic dialer it's going to keep calling no matter what. 10 times in a week and all u say is your collecting a debt. U don't say where your calling from, this is too much.
Consumer complaint received 2021-08-10
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. (FL)

Equifax ONLY responded with the info and history of the charge off. Equifax DID NOT address the complaint and remove the Paid in Full charge from the credit report.
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (NY)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX XXXX is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have reached out to XXXX company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

CFPB, Experian is not cooperating with me I've dispute this address XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX 5 times and they are refusing to remove it from my credit report I mailed in my documents my social security card, my Driver 's license as proof.the address listed above I've never resided there, and that address is not linked to any accounts on my credit report.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

In XXXX of XXXX, I was coerced to open allow them to open several credit card accounts, to purchase {$2000.00} worth of Gift cards. I had been in communication online with someone that I thought was interested in being my wife. After She had sent me several XXXX pictures of herself, she convinced me to send XXXX of myself. She never asked for money for the XXXX pictures and was speaking to me as if she was going to move to where I live and marry me. I am a high functioning XXXX When my mother saw all the credit cards in the mail, she took actions to stop all the madness. The " girl '' sent the pictures to my mom to try to XXXX her, but my mom still insisted that I block this girl, cancel all the cards. My mom still has the pictures she sent my mom on her phone. The gift cards, were purchased with my XXXX Bank card which I am paying off. 
All the other credit cards canceled the card immediately, except for capital one. I had to make several phone cards to capital one to close the account. Finally, my mom got on the phone and told them that my identity was stolen and that this account needed to be closed. I did not open this card. Before capital one closed the account someone used the card. They opened 10 cards in my name before I froze my credit account through XXXX. I have disputed this through the 3 big credit reporting agencies. I have asked all three credit reporting agencies to freeze my credit. I finally found out that the card was used to purchase, without my knowledge, a XXXX phone at a XXXX store in XXXX California. We found out because XXXX sent us a letter. I am unable to access my Capitol one account and they refuse to send me a detailed statement. Stating that the billing address, and the email are not my billing address or email. I have lived at this address for 2 years, I have lived in Nebraska since XXXX. I do not drive, I am not able to fly on my own. However, Capital One keeps sending a past due amount to my address. Capital One just won't tell me exactly what was purchased. However, as I previously stated, I received a letter from XXXX. We contacted XXXX and learned that a XXXX phone was purchased on the same day as the charge Capital one has verbally told me over the phone that the charge occurred. It is also the same amount as the XXXX phone and XXXX verbally told me that the a Capital One card was used in California to purchase the XXXX phone.
Consumer complaint received 2019-12-05
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. (TX)

To whom it may concern : Transunion You are still violating the law by validating the account below without sending the necessary proof that its my account and that you have a right to collect on this account. 
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Reported balance : {$2000.00} Opened : XX/XX/XXXX XXXX   Reported balance : {$7400.00} Opened : XXXX XXXX, XXXX XXXX XXXX Reported balance : {$11000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$110.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$660.00} Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$9100.00} Opened : XX/XX/XXXX I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate like names of the person who you talk to with the company date you talked to the person. Please follow the law ( FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ) and update me with new correction on the above account within 30 days. 
I await your response,
Consumer complaint received 2024-10-19
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. (LA)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I have tried to remove inaccurate data from my credit report, the information on the original credit file is inaccurate, I have disputed constantly with the 3rd party debt buyer and it continues to come back verified even though I have proven the discrepancy. this item should be removed from my credit file and has expired its statue of limitations. please assist.
Consumer complaint received 2020-11-07
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: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XX/XX/XXXX and XX/XX/XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-11-07
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. (PA)

Car was in accident many months ago and insurance paid of loan except gap which the company would not agnolige the payment from gap for a couple months telling me I had to still pay car payments and then kept reporting my late and still havent taken it off my credit. It was paid off along time ago and I shouldnt of had late payments or even still had it on my credit
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX In the amount of XXXX is not my account and needs to be removed the credit bureau is not protecting my report from fraudulent accounts. 
Is Being put on my credit report and this is not my account. I requested for this item to be removed by the credit bureau and they have not done so I contacted the company the credit agency And asked for signed contracts or dL or anything that shows this is a true account of mine. The collection agency sent an unsigned contact that was made up and bogus to try to get money from me. This is not my account and the credit bureau has not removed off my report. I am sending over the bogus fake fraudulent contact that the collection agency sent me. This again is no account of mine
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

There is 2 ACCOUNTS on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified information to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified ACCOUNTS are XXXX XXXX  account number : XXXX. The second account account is XXXX XXXX XXXX account number : XXXX. These 2 accounts are not information related to any transaction by me as the consumer : ** [ enter information here with account name and number or inquiry name and date** 15 US Code 1681 c2 a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Hi, My name is XXXX XXXX. I am XXXX years old trying to get gas service at my home in XXXX, Georgia. The gas company ( XXXX ) wants to access my Equifax credit report which is now frozen. I contacted Equifax to unfreeze on at least 6 times and I have been unable to unfreeze. They asked me to send letters which I did XXXX twice ) and filled out online request and finally received a letter from Equifax with a verification code and instructions to go online to their web site to complete the enrollment process, which I did, This site again referred me to call customer service XXXX which I did. They again asked me to send a letter, and when I demanded to speak with a supervisor they hung up on me ( twice ). This has been going for a month and Equifax is unwilling to unfreeze, and the gas company will not provide gas service until Equifax unfreezes. PLEASE HELP ME get this issue worked out. If you call my number and get an answering machine, please announce yourself and wait for me to pickup. Thank you. XXXX
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.