davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (AZ)

I have fallen behind on my payment on my American Express credit card due to a financial hardship. My husband is with the uniformed services and we relocated from XXXX XXXX to XXXX  under personnel orders in XX/XX/2019. On XX/XX/2019, we sustained a fire at the home we were renting in XXXX. This fire was caused by a faulty recessed light. We were displaced in hotels with our family and two dogs for weeks. The house was deemed not habitable and so we had to find another house to move to. We eventually secured another rental home to live and had to move all of our household items. This all caused an extreme financial hardship. 

Also, in XX/XX/2019, I found out about SCRA benefits that were available to us. I applied for the benefits from AmEx and they credited my account by XXXX in interest and fees and now the account would be on a zero-percent interest rate. 

I contacted AmEx to let them know about this new hardship of relocating across country and also sustaining the house fire. I requested that my $ XXXX/month payment be reduced, especially since the account was credited a large amount of money in XX/XX/XXXX. The CSR told me that my payment would actually go up to $ XXXX/month and could not be reduced.

I continued to try to catch up, even while going through this hardship. I made a payment of {$200.00} on XX/XX/XXXX. Another CSR told me if I could make at {$300.00} payment in XX/XX/XXXX, that I would only be one payment behind. I made a payment of {$300.00} on XX/XX/XXXX. AmEx sent my account to XXXX XXXX on XX/XX/XXXX. 

This is account is now under collections. 

Also, the collections agency is also contacting my husband and he is not on this account. I submitted a previous complaint with AmEx about my privacy issues and discussing my account with someone who is not on the account. They are still doing so through the collections agency. American Express did not keep my personal information secure and confidential. Instead, they used it as a collections tactic and shared it with an unauthorized person. 

I've attached my husband 's personnel orders, the fire incident report and the fire claim information with XXXX. 

I believe that AmEx is not trying to work with me due to the account now qualifying for SCRA benefits.
Consumer complaint received 2020-08-25
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. (FL)

DURING THE YEAR 2017, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since 2017, on numerous occasions almost every month, I have filed disputes after disputes to XXXX XXXX and Transunion Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with TRANSUNION 2. XXXX XXXX XXXX {$6000.00}. with XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX {$4000.00}. with XXXX I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER MY NAME.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 depression and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (LA)

I have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Card, XX/XX/XXXX XXXX Card, XX/XX/XXXXXXXX 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 have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Experian reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY.
Consumer complaint received 2020-08-25
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. (FL)

I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with XXXX, Equifax, and XXXX   and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on XXXX and Equifax monthly. XXXX has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. XXXX is the worst, everytime I disputed the DOFD was updated until it now shows, XX/XX/XXXX. The other CRAs have the DOFD at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.
Consumer complaint received 2020-12-11
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)

I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were two accounts reflecting badly. The accounts are from XXXX XXXX XXXX XXXX XXXX ; The accounts opened with those companies in my name do not belong to me. I did not open any account with either of those companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Alleged Original creditor : XXXX XXXX XXXX Amount : {$600.00} Collections account opened : XX/XX/2019 Account has been disputed via XXXX  and XXXX   Debt is not mine. Company refuses to remove collections accounts from my credit report.
Consumer complaint received 2020-08-25
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. (TX)

On XX/XX/2020, my Experian score dropped 22 point for no reason, I made no new inquiries, my spending habits are the same and nothing has changed in my report only my score. This is unacceptable and builds a sense of distrust for this system, is it designed for individuals to fail no matter how hard they try to have a decent and meaningful life? Please help me understand what is going on. Thank you.
Consumer complaint received 2019-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MA)

I had a credit card taken out under my name and the debt was charged off by the creditor. i put a dispute for this debt on my credit report several years ago and officially responded several times to the collection company that the debt is not mine. I asked several times for proof with an application and statements that this debt is mine and they have refused to provide this to me.They continue to harass me an are trying to take me to court for this. I have taken all of the necessary steps to let this collection company know that this debt is not mine and they are still harassing me. This needs to stop.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Financial Services Solutions, Inc. (VA)

I received a letter in the mail stating that I have outstanding credit card debt and that I need to set up a monthly payment plan. They claim to be a collection agency. I currently have no debt that is outstanding. This is the companies information : Department of Settlements XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-08-25
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: CITIBANK, N.A. (FL)

I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with XXXX, XXXX, and XXXX   and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on XXXX and XXXX   monthly. XXXX has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. XXXX is the worst, everytime I disputed the DOFD was updated until it now shows, XX/XX/XXXX. The other CRAs have the DOFD at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

The stated my account was properly investigated, however, how is that possible when the following items are incorrect : In accordance with the Fair Credit Reporting Act, Experian Information Solutions Inc. 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 an account without written instructions. 

There are 4 violations : Experian Information Solutions Inc. : Personal Information 1-4 Violation Date of Birth, previous addresses ( 2 wrong addresses ), employer
Consumer complaint received 2022-12-14
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. (SC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

Company refusing to remove a debt I dont know anything about never had XXXX XXXX I was in the hospital between XXXX to XXXX I asked credit management to remove this account and they have refused I am a XXXX senior.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (VA)

My spouse and I were financed with CNS Portfolio Service, the account was opened in XX/XX/XXXX and the car was totaled in XXXX, I have had numerous conversations with Representatives of CNS in regards to this account was never have been reported to the credit bureaus. The car was totaled in an automobile accident in which we didn't have gap insurance. I was advised by unscrupulous representatives who told me my account would not go to collections when it did I settled the account out and was advised 7 years ago account will be deleted, still, this day account is still be reported, the last dispute I submitted to XX/XX/XXXXin XX/XX/XXXX, still states under investigation. 

Thank you XXXX XXXX
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the MODPED partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-02-21
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. (AR)

On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXX, 2020 to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXX, XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report is inaccurate.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

This complaint is regarding my Business American Express card, which was opened in early XX/XX/XXXXand was paid every month on time with no late payments since opening and almost always the full balance paid each month. This account was opened originally for a new business with zero historical revenue. The credit limit was slowly raised over the first two years. A credit limit increase was requested in XX/XX/XXXX from {$55000.00} to {$75000.00} after reaching {$1.00} million in annual business revenue. American Express then DECREASED the credit limit from {$55000.00} to {$26000.00} despite dramatically increasing business revenue, on time payments for nearly 3 years, and financial reports to support all of these statements. I asked American Express to at least restore the previous credit limit, but they refused. 

This decision has unfairly and negatively impacted my growing and profitable business as well as causing harm to my personal and business credit scores.
Consumer complaint received 2022-11-04
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: NAVY FEDERAL CREDIT UNION (CT)

Ive paid my credit card off in full also my business account over XXXX total Navy federal took my money and did not mail my the credits checks promised to me .Ive failed police reports and CFPB and ftc and affavidits Ive sent to them over several months ago.
Consumer complaint received 2021-08-04
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: Riverwalk Financial Corporation (TX)

XXXX XXXX XXXX XX/XX/2015 Sold to Deville Assets Management Contacted both companies as well as sent police reports and signed their affidavit but they still continue to report this fraudulent account on my credit
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (MI)

Recently, I applied for a Lands ' end Visa Signature credit card. I received a letter dated XX/XX/2020, that stated that the applicant is deceased. I am very much alive and I do not know where XXXX XXXX XXXX obtained that information.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX