davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (AZ)

This is NOT a duplicate report and this is not filed by 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to : 15 U.S.C 1681 section 602 A. State 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 an account without my written instructions. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX Account Name : Collections ( Original Creditor : Collections ) Account # XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

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. 
XXXX  Account # 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 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-17
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. (FL)

I have been disputing inaccurate information and inquiries on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the inaccurate information and inquiries claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the inaccurate information and inquiries immediately!
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Home Account that was in good standing for 18 months had regular payments, and was paid off less than 6 months ago* ( XX/XX/2021 ) was closed based off of out of date reasons that were from 4 years ago.I 've clawed my way back to rebuild my credit and they've lowered my limit every fiscal quarter for 18 months with the same reasons. They've negatively effected my credit score by reporting 100 % utilization the entire duration of account until I paid the balance. 

As soon as my credit score goes up they undermine any efforts and I work for a retailer that uses their services. Also my father was on the account and they stated that I had no form of real estate but he's a small business owner of 30 years. They're falsely claiming financial instability without actually experiencing any behavior. I realize that them crying wolf isn't against the law but it's bullying on fiscal level that's derailing any form of accurate credit reporting.
Consumer complaint received 2020-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (TX)

I dont know what this debt is and it was reported on my credit report without letting me dispute it. The only bill I got from XXXX XXXX XXXX  was for XXXX not XXXX. I dont know why it would be increased to XXXX.
Consumer complaint received 2022-07-18
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)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$350.00} ; XXXX XXXX Balance : {$61.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-16
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my countless endeavor to tell you that I am a victim of identity theft. I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-18
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. (TX)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$350.00} ; XXXX XXXX Balance : {$61.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-01-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

On XX/XX/XXXX, thankfully I listened to my inner voice who said call TMS and confirm your 3-month COVID-19 extension until XX/XX/XXXX. So, I called, and I spoke to representative XXXX XXXX To my total shock and horror, the 3-month extension I had requested on XX/XX/XXXX @ XXXX had not been completed and processed. XXXX XXXX had to put me back into the forbearance plan for the extended period of three months which I had requested on XX/XX/XXXX and assured me that my loan and credit report would not be negatively impacted. By the way, my assigned Ally is XXXX XXXX but I have only spoken to her once as she is always unavailable. 

Again, to my horror I received a certified letter of default from TMS dated XX/XX/XXXX. I immediately called TMS and spoke to Ally, XXXX XXXX, who stated that due to system error, although the questions and answers were submitted correctly by XXXX XXXX. on XX/XX/XXXX, my request was not completed and TMS  system automatically removed me from forbearance plan thus generating a default letter. 

XXXX XXXX requested a COVID error request to review the late fee that was generated due to this system error and to correct my credit rating if impacted negatively. XXXX XXXX promised to call me on Friday, XX/XX/XXXX to confirm all updates have been made. XXXX XXXX also submitted a request for my extension confirmation letter to be emailed to me as I have not received it as of yet. She also stated confidently that I can disregard the default letter dated XX/XX/XXXX. Unfortunately, I dont feel any such confidence after this petrifying ordeal.
Consumer complaint received 2023-01-29
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. (OR)

I have reported multiple times to XXXX, Equifax and XXXX credit report Agencies about being a Victim of Identity Theft. 
I have prove to them that there has been some accounts opened fraudulently like Account name : XXXX  XXXX. Account number : # XXXX. 
I have requested several time this account to be investigated and the response have been always the same " this account has been verify '' I have requested the same investigation to XXXX  XXXX THE CREDITOR HOLDER OF THIS ACCOUNT in multiple time this creditor has affirmed they can not fulfil investigation in this issue since they do not have information about me being liable for this account Honoring 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

so mi question is how the credit bureaus has information about XXXX account that not even the furnisher says having information about? 
XXXX, Equifax and XXXX XXXX XXXX XXXX has violated my consumer right under 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX is not capable to verify this information because they do not have 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX, Equifax and XXXX XXXX XXXX XXXX has Violated my consumer right under 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 since XXXXXXXX XXXXXXXX HAS EXPRESED IN WRITTING they " do not have enough information to conduct an investigation '' taking into consideration that I am not LIABLE for account name XXXX XXXX with number : # XXXX I demand from XXXX, Equifax and XXXX XXXX XXXX XXXX to deleted this account from my credit file since they are furnishing FALSE information violating all my right under the FAIR CREDIT REPORTING ACT and specific under15 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.

I request the cfpb be review that my right does not continue violated and that the responsible do not take the law for granted and for once do what is right deleted this account from my credit file
Consumer complaint received 2022-09-16
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. Identity Theft XXXX XXXX XXXX Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 3. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 4. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 5. Identity Theft XXXX Account XXXX : XXXX As A Consumer By Law This account Must Be Removed Immediately. 6. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 7. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Consumer complaint received 2021-07-15
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: JPMORGAN CHASE & CO. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-11-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (CT)

The account in question was opened in XXXX through XXXX XXXX  in XXXX XXXX. I had another credit card through XXXX from the year prior which I did not understand at the time. Once I realized there were XXXX accounts through XXXX I was transferred over to XXXX XXXX. I set up auto payments through them and the first few payments went through without issue. This company removed my auto pay which sent my credit into a downward spiral. After acquiring substantial debt from the " missed payments '' and interest I sought out debt consolidation with XXXX and was making payments of {$180.00} a month to slowly pay down debt. In XXXX I lost my job due to XXXX and attempted to still make payments with unemployment checks. I remained unemployed and reached the limit of that accommodation and reached out to XXXX and reported a loss of income. They closed my account through XXXX and XXXX took over the debt. The other credit card from XXXX XXXX  along with all other debts accrued were settled at the time that I secured employment in XXXX. The XXXX XXXX credit card ( the item being reported ) was sold to Resurgence and showed a balance of {$760.00} as evidenced by the last XXXX statement attached below. The information sent to me from XXXX stated that I owe {$780.00}. The information they sent to me had an interest increase of {$13.00} for the year of XXXX. I did not receive any other statement from them for XXXX. The discrepancy in amount and lack of previous payments prior to collection leads me to believe they do not have the proper documentation to prove this debt is correct. I have filed a dispute through them directly and it was rejected with little to no further information regarding this account.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NJ)

I have a VISA Credit Card in which the monthly statements indicate an Amount Due and Date Due. In several instances, I have been charged Late Fees although payments were made by the specified Date Due. 
Date Due Date Paid Date posted Late Fee $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Total {$150.00} Recently, my credit limit was reduced by a company called XXXX XXXX ( XXXX XXXX  ). 
Needless to say, these late fees Fees Charges have seriously impacted my overall credit rating and i wish to these fees reversed. 

Thank you