davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
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. (CA)

Ive been a victim of identity theft for the last 5-6 years and its been a ever lasting nightmare ... Ive lost my drivers license, identification card along with my home being broken into. My passwords have been compromised. I just need this end. This XXXX XXXX account I have no recollection of and needs to be removed. Ive submitted a full police report, FTC report as well as contacted XXXX XXXX and they can not tell me who actually started this agreement. I have yet to obtain any documentation of importance. 

XXXX XXXX XXXX XXXX Account numbers, opened XX/XX/2016 XXXX XXXX
Consumer complaint received 2022-07-14
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-14
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/19 & XX/XX/19, we requested payoff amounts of the Credit Card for XXXX year old XXXX XXXX. We spoke to a live representative. As XXXX 's POA, I engaged XXXX on the call. We paid off the entire balance and closed the account. XXXX dropped off the call after she was validated by the company. We requested the company change the address as she was moving. They would not do so without her back on the phone. We attempted 3 more times, but experienced excessive hold times ... we were eventually successful to change the address in XX/XX/XXXX. Due to moving and her husband 's XXXX she was forced to move again to an XXXX XXXX. 

On XX/XX/XXXX, I received the first forwarded statement for the XX/XX/XXXX time frame and it reflected 4 Mo 's of late fee 's on the {$48.00} Interest payment, that came after the " payoff amount '' was given to us on XX/XX/19. 

We spoke to " XXXX '' and then her supervisor " XXXX '' about this situation. They insisted they were not authorized to waive the excessive late charges which amounted to 329 % over 4 months. Despite of us explaining the situation and the challenges we had with customer service, they advised that their system would not help us.
Consumer complaint received 2019-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BC SERVICES, INC. (KS)

My XXXX account notified me of a collection put against me by BC SERVICES INC for {$300.00} for XXXX XXXX XXXX XXXX. 
I was never given a bill from XXXX XXXX XXXX nor did my insurance show anything that I owed. I also had given an HSA card at the time of service. 
Had I known of the bill, I would have paid it - instead, they destroyed my credit score.

I paid the collection agency, but I still don't know what the bill is for, nor why it wasn't covered by my HSA or insurance.
Consumer complaint received 2020-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   and Capital One. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the accounts I am requesting to have Inquires verified. 
If you are unable to verify the account Inquiries with the original contract, the Inquires should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-04-30
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: Union Credit Corporation (GA)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609.  This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-04-30
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. (AR)

I'VE SUBMITTED THE COMPLAINT OF THIS FRADULANENT ACCOUNT REPORTING ON MY CREDIT PROFILE. THE INVESTIGATION TAKEN BY THE OTHER BUREAUS RESULTED IN THE ACCOUNT BEING REMOVED FROM MY REPORT. HOWEVER, EXPERIAN CLAIMS TO HAVE DID AN INVESTIGATION INTO THIS MATTER HOWEVER I'VE YET TO RECEIVE ANY VERIFICATION DOCS OR ANY SUPPORTING DOCUMENTATION TO PROVE THIS CLAIM. IVE YET TO RECIEVE MAIL OR ANY DOCS FROM THE CONSUMER THEY ARE CLAIMING I OWE. THEY ARE CLEARLY OPERATING UNETHICALLY BY STATING THEY ARE INVESTIGATING WITH THE CFPB BUT SENDING ME RESULTS FROM A SO-CALLED INVESTIGATION AS IF THEY'VE DONE THEIR DUE DILLIGENCE TO LOOK INTO THIS CLAIM. I'VE ATTACHED DOCUMENTATION TO PROVED THAT THEY HAVE SENT RESULTS OF AN INVESTIGATION THAT WAS NOT DONE BUT REPORTING TO YOU GUYS AS IF ITS STILL UNDER REVIEW. THIS DISHONESTY AND UNPROFESSIONALISM TO THIS MATTER IS CAUSING A TON OF TURMOIL FOR ME AND MY FAMILY. I WOULD GREATLY APPRECIATE IT IF THIS MATTER IS HANDLED.
Consumer complaint received 2022-07-14
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. (IL)

I've asked the credit bureaus to do a verification and they done so, they researched on my report and stated that is was accurate but I done a thorough researched on my report I've found improper items on my report that's I found inaccurate. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair 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 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX, where I purchased two drinks totaling approximately {$9.00}, including a tip. After this transaction, I left the bar and made additional purchases elsewhere. 

On the morning of XX/XX/XXXX, I noticed a pending charge of over {$570.00} from XXXX on my account. I immediately contacted USAA and was advised that the account would be monitored since the charge was pending and not yet deducted. 

However, on XX/XX/XXXX, the charge of {$570.00} was posted and deducted from my account. I also noticed another pending transaction of {$580.00} from XXXX, which, fortunately, was never processed.

Upon further contact with USAA, I was informed that a dispute was initiated and that I had received provisional credit. During my discussions with representatives, I was advised that USAA would conduct an investigation, and I was not required to contact the merchant directly.

After several follow-ups, I was eventually provided with XXXX contact number, ( XXXX ) XXXX. I have requested that USAA contact the merchant directly to obtain a copy of the receipt, including my signature. I do not possess my receipt from XX/XX/XXXX, so I am reliant on USAAs assistance in securing this documentation. Ive also filed a police report with the XXXX XXXX Police Department because this is fraud.
Consumer complaint received 2020-04-30
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: AMERICAN ADJUSTMENT BUREAU,INC. (GA)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-05-01
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. (FL)

On XX/XX/2019 I paid off the remainder of my debt and received a letter from the company stating they would accurately report and remove the debt off of my credit report. I have contacted experian numerous times and also the debt collector. No one is taking it off my report even though I paid and got a letter stating promise to do it.
Consumer complaint received 2022-06-14
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TN)

1.I have never had an account with this company NELNET from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are NELNET the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Someone fraudulently switched the title/ownership to a vehicle I had and repossessed it back in XX/XX/2017. The DMV investigated and prosecuted this person, I never got the car back although DMV was aware that fraud was committed and I had nothing to do with it. This vehicle is being reported on my credit as a charge off with numerous late payments however I have provided the furnisher as well as All 3 credit bureaus with over 10 certified documents from the DMV showing the day the title was transferred, who actually did it, the new title to the car once it was done and an investigation report. I mailed these documents in and Ive spoken with several representatives over the phone. The furnisher is still not removing this account from my credit report nor are the credit bureaus when it was clearly fraudulently taken from me and was not a charge off, XXXX XXXX  has been aware of this incident since XX/XX/XXXX
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (TN)

Americhome mortgage was paid on time over phone ( see letter where they gave me a payment confirmation No as receipt of payment with date time and name of the officer mentioned in the letter ) and two checks were sent to them in which were left uncashed. 
They put a 30 days late in XX/XX/2019 on my personal redit report with all three credit reporting agencies XXXX, XXXX  AND XXXX
Consumer complaint received 2023-01-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I received a letter from the company listed below stating that the following accounts where verified & that a through investigation was done. How did they do a through investigation when according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any XXXX & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. 
Accounts : XXXX XXXX  XXXX
Consumer complaint received 2020-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXDispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX  XXXX XXXXXXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute US DEPT OF ED/XXXXUnder Dispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 51 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 12 accounts, 7 potentially negative View All Inquiries show tooltip button
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

They keep saying I owe them and I already filled serverous Reports saying it was due to identify theft and they still want take it off my credit it's not my account I don't owe XXXX XXXXplease get this off my credit cause it affecting my credit