davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NM)

I canceled my internet service with XXXX XXXX in XX/XX/XXXX, and remitted payment for my final outstanding balance in XXXX XXXX. At this time I was given confirmation that my account was close, with a XXXX balance and in good standing with XXXX XXXX. I returned the router as requested and that was it. On XX/XX/XXXX, I received a credit alert advising me that a new collection account was open under my personal information. XXXX XXXX transferred a debt in the amount of {$100.00} to I.C Systems. Please be advised that I never received a bill, a late noticed of any kind by XXXX XXXX or I.C Systems given me no opportunity to dispute the debit prior to negatively impacting my credit report. Following the credit alert I contacted XXXX XXXX XXXX Customer Care team, after speaking with several representative I spoke with XXXX. He was great, helpful and took the time to review my concerns properly. He let me know that the {$100.00} charge was for the router. Although they could confirm that the router was delivered, it reflected delivered two days after the allotted return timeframe. Considering that they have possession of the equipment, he moved forward to issuing a credit for the outstanding balance of {$100.00}. I was advised to contact XXXX XXXX on Monday to get confirmation that the account was closed, with a XXXX balance and that they instructed the third party collection agency to delete all negative reporting associated to the debt. Well on Monday XX/XX/XXXX, I was told the credit was there reflecting as pending approval and that I should call again in a few days. I called again on XX/XX/XXXX, and I was given the same story.
Consumer complaint received 2024-01-09
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. (MA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

I am a long-term card holder of American Express since XXXX, and I have never missed a payment or late with a payment. Sometime around the third week of XXXX I received a call from an AMEX Underwriter. The underwriter informed me that based on my credit report my account balance would be capped at XXXX. I was also informed that to use the card I would have to show proof of earnings. I responded that my wife and I file jointly and my earnings are confidential, proof of earnings was still requested. I explained that we were going on trip to XXXX XXXX where we have vacationed for the past 11 years. He stated that he would allow a XXXX} charge limit. I provided proof that the reason for negative credit report was and is based on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX which are listed and open with the CFPB. In fact, I have retained counsel to represent me in federal court against XXXX. This is also reported by an FBI investigation in which XXXX was found to have committed fraud, Identity Theft and Forgery of my signature. It is being determined whether the same attorney will represent me against XXXX XXXX XXXX. This proof provided to the Underwriter had no weight in decision making nor joint filing with my wife. I was not billed nor was I informed about the non-billing for the month of XXXX and a dispute was in place for XXXX XXXX for unauthorized charges of XXXX each month. I was then billed for XXXX} due on XXXX/XXXX/XXXX which was greater than anything based on balance. I complained to the XXXX XXXX and spoke to a XXXX XXXX XXXX, see attached. XXXX XXXX was professional and concerned but stuck to the Amex playbook. Based on my conversation with the Underwriter I strongly believed that I was being kicked out of Amex as a risk. I felt this with XXXX XXXX as well and believed that cancelling my card was what they were looking for. XXXX XXXX also stated that the information supplied on XXXX and XXXX XXXX XXXX was not sufficient for the Underwriter. In conversations with counsel, I was made aware that cancelling my card would affect me negatively. I believe that I have been subjected to Unfair and Deceptive practices. See attached support documentation, and statements. Kicked Out of Amex!
Consumer complaint received 2018-03-13
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: JPMORGAN CHASE & CO. (LA)

I have a chase credit card that was charged off in XXXX of 2014. This debt was sold to a debt collection once then went back to chase. I believe this debt is part of the settlement when cfpb brought action against chase. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted chase to see if they would remove the account however they would not.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (MI)

Spoke to hardship counselor on XX/XX/year>, regarding getting loan modified because I lost my job. The modification was to extend the payments out from XXXXXXXX XXXX. and payments would be XXXX but I declined because I needed it lower. Then I noticed the terms of the loan agreement were changed like the interest rate, is 26.99 %, but I was given a 16.99 %, the loan payback was to begin 18 months after loan with 0 % interest during promotional period. 
I would never take out a loan for that high interest rate, short period of XXXX yrs., to pay back on a roof. Synchrony Bank baited and switched the whole roofing terms. 

I called Synchrony Bank today and spoke with another hardship counselor who offered me a {$9000.00} hardship payment to be broken into three payments and nothing else, I told her I couldn't afford that.

I asked again for a better payment plan and it was declined by counselor. 
I told her I can pay something but not {$660.00} per month. I'm trying to work with them but got nowhere. 

This is a scam company that shouldn't be allowed to treat their customers this way. I would have never agreed to the terms of the roof loan that they've changed from good to bad.
Consumer complaint received 2017-09-14
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. (CA)

I 've been disputing a XXXX account that has been on my report Account # is XXXX reflecting a 2010 opening. This account has been in dispute. I 've contacted the creditor reporting it and they sent a letter stating that they do n't own the account and are not reporting it. I forwarded that letter to Experian to have it removed and still it is there for no apparent reason. I 've tried to dispute it online and it gives me a red note stating that the account was already disputed and ca n't be disputed again. It 's an unverified account that ca n't be verified and the company showing on the credit report does n't even own it. I want this account removed immediately.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I am a victim of identity fraud, my social and id have been stolen and fraudulent accounts have been opened and cards used in my name. I have an FBI agent working on this case, along with XXXX PD. I have filed an FTC report because of all this. I will file a complaint with the Consumer finance protection bureau if these fraudulent accounts are not removed immediately and blocked. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-11-26
Product: Credit reporting 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. (MS)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have these unapproved inquiries removed from my credit report within 48-72 hours as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I reviewed my credit report and noticed that some payments were being reported as late on my XXXX XXXX credit card. So, I immediately called my creditor and informed them of the matter. I even spoke with a higher up head person in charge at the time and was assured that they late payments being reported were false and that on their end everything on their system is showing as on time. Now I know I immediately called the credit reporting agencies and informed them of the matter. I requested that they investigate this matter properly and DELETE the late payments being reported or Update my account but rather than doing that they did nothing at all. They kept all the information the same and placed a marking on my profile as UPDATED. They clearly did not investigate the matter properly and decided to properly report false and inaccurate information on my consumer credit profile. 
I was also informed while on the phone with a representative that due to the COVID 19 pandemic for such period of time they do not report late payments on the consumer report so if there were any late payments being reported they are inaccurate and that they should not be reflecting on my consumer credit file.
Consumer complaint received 2023-12-26
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. (CO)

The credit bureau Experian is reporting an address XXXX XXXX XXXX, XXXX, La XXXX! This is not my address! Someone used that address and created it/ used it on my credit report!

The bureau is also reporting a credit card balance for a total of {$420.00} that I allegedly applied and got approved for by XXXX XXXX. This is fraud! Someone used my name and a fake address to apply for that credit card! This was not anything I ever applied for. I have tried to dispute this twice and havent gotten anywhere it is still reporting. This credit card is showing opened on XXXX XXXX, XXXX  and is still being reported as of now! 

Experian is also reporting XXXX collections that I allegedly applied for. 
The first collection is showing XXXX XXXX XXXX, aka XXXX XXXX reporting a balance of {$780.00} and that I allegedly opened the account XX/XX/2021. Sir or madam, I have never opened any XXXX XXXX  account! I have asked them to show me proof on plenty occasions and they keep giving me the run around saying that I can go inside XXXX and pull that information which is XXXX because they should provide me proof upon request! 

The second collection is another credit card being reported by XXXX XXXX, aka XXXX XXXX XXXX  for a balance of {$740.00}! Again someone used my personal info to open a credit card. I have never used this credit card as of my knowledge so please I need assistance with getting this deleted! I have tried to dispute these as well and in the comments ( in the photos ) below it shows proof Ive been trying to get this removed!
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (CA)

There are several items as detailed below that are currently reporting on my consumer report that is a result of identity theft. I have never given written consent nor written instructions for the identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C 1681b this company does not have a permissible purpose to report this information. I am asserting that I believed this company obtained my personal nonpublic information by way of aggravated identity theft and in accordance with 15 U.S.C. 1681c-2 they must block the reporting information that is identified as a result of identity theft no later than 4 business days after the date of receipt.

My demand to block this information is not being made in error nor is this demand being made on the basis of misrepresentation of fact. The transactions are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, I demand the following inquiries be blocked and deleted as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX is also reporting addresses that I have never lived at and phone numbers that I have never had. There are also inaccurate spellings of my name that are not accurate. XXXX is required to report accurate and complete information and the below information is not accurate. 

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  PLEASE SEE ATTACHMENT FOR IDENTITY THEFT REPORT AND IDENTITY THEFT AFFIDAVIT.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CO)

I went on covid forbearance and am in the process of trying to bring my loan current. Loan Depot refuses to consider me for a streamlined loan modification and is only offering me deferment. I would like to request assistance perusing XXXX Flex Modification per the letter that was sent to me explaining my different options to bring my loan current.
Consumer complaint received 2024-10-08
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. (HI)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-08
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-10-08
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-08
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. (TX)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-08
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. (AZ)

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time ( XX/XX/XXXX and XX/XX/XXXX ). The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/XXXX I'm not requesting you investigate this account and update these payments to paid on time immediately. Thank you for understanding and prompt action.