davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-06
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. (GA)

I already looked at this account with the wrong information, and after reading your responses, I saw that some of this account still have confirmed errors. Correct the account, please : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-06
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2023-05-06
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. (NC)

This is XXXX XXXX and I am submititng another CFPB complaint regarding fraudulent items I found reporting on my credit report. I have discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the Credit Bureaus to investigate and remove the following items off of my Credit File as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2023 I requested Portfolio Recovery Associates to provide validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay. On XX/XX/2023, they responded with a statement, which is not what I requested. A statement isn't the same as a evidence bearing my signature. Therefore, I sent a follow up letter on XX/XX/2023 requesting a signature to verify that this account belongs to me. 

Therefore, Portfolio Recovery Associates is in violation of the following. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-05-06
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. (NJ)

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act These Accounts 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-06
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. (IL)

I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX XXXX XXXX XXXX is governed by XXXX XXXX XXXX and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX XXXX XXXX XXXX XXXXXXXX ( also known as XXXX XXXX XXXX ) permission to furnish the following accounts XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have filed numerous CFPB complaints as well as sent Cease and Desist letters for these XXXX accounts. They still refuse to block and remove these accounts from my credit report.
Consumer complaint received 2023-05-06
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. (LA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX : {$10000.00}.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (FL)

That card was opened up in my name without my consent. This card is an unauthorized card and was opened up as fraud in my name and personal information. I been trying to get this resolved for years now.
Consumer complaint received 2023-05-06
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. (LA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (IL)

I have a store credit card through Walmart. I have had financial struggles for some time now and they have never offered me any options. I have been struggling with this card for about 7 years. On my online account it asked me to check why I was not making my payment. I marked something along the lines of loss in job/change in income. I have marked this before and they have never offered me any options. I finally called again on XXXX in which they finally offered me their hardship program. They took my payment down to XXXX a month and took away interest, etc. I was dumbfounded that it was that easy and that they had never offered me that program before.
Consumer complaint received 2023-05-06
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. (FL)

I did not authorize XXXX or the Collection Agency to put this collection back on my report. This issue was resolved almost a year ago and this collection company is back trying to hurt my credit for this collection that was never authorized! 

I believe the CFPB was the reason why it came off my report and I have no idea why it is back on! Please reach out to them and have them remove this immediately because this came out of no where! 

The collection in questions is from : XXXX XXXX XXXXXXXX Original creditor : XXXX Acct # : XXXX Please have them remove this once again. I do not want to deal with this issue anymore. The problem has already been resolved. I have no idea why they are harassing me.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

XXXX  Has reported that I have been involved in several not at fault accidents that havent happened causing my insurance rates to increase. 
Specifically on : XXXX, then comprehensive claim over {$1000.00} on XXXX XX/XX/XXXX that isn't mine. Another accident XX/XX/XXXX which isn't mine. 
These need to be removed.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

Received a credit card which I did not apply for from Comenity BankXXXX XXXX I immediately checked my credit report and noticed that someone had already charged XXXX on the card. It appears the card was opened by someone on or around XX/XX/2023. I contacted Comenity Bank on XX/XX/2023, which is the day I noticed the issue. The CSR at Comenity stated that they were starting an investigation. 

I also noted that on XX/XX/XXXX through XX/XX/2023, there were four hard inquiries for credit cards in my name. These inquiries were not instigated by me or anyone I know. The banks noted on these inquiries were, XXXX XXXX, XXXX, and two by Comenity. I called each of these banks and began a dispute on each. 

I contacted XXXX and reported the above information and requested a freeze on my credit account.
Consumer complaint received 2023-02-06
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. (GA)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the erroneous accounts that I need you to fix and correct as soon as possible : XXXX XXXX XXXX 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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed a charge of medical bill from account XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to me.
Consumer complaint received 2017-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

From XX/XX/XXXX to XX/XX/XXXX, I was under the care of the State of Texas through the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX, TX for XXXX XXXX XXXX XXXX. My Dr. at XXXX was XXXX XXXX XXXX and she made several referrals to the local Dr. 's to address health concerns they were unable to manage. Transportation to the referred doctor 's were handled by a contracted company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was transported by this service several times, all to Dr. 's within a 17 mile radius of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX was the only transportation available and required by XXXX XXXX for patient transport. The State of Texas/XXXX routinely billed my XXXX XXXX Health Insurance, XXXX XXXX, for services and would be reimbursed by XXXX  and the State of Texas then picked up any additional charges that XXXX  would not pay, as per the State of Texas contracts with XXXX providers. XXXX XXXX XXXX began billing me for services that were exaggerated in mileage, incorrect dates, and for charges exceeding {$2000.00} that I was not resonsible for. I reached out to XXXX XXXX XXXX to dispute the bills I was recieving. I reached out to XXXX XXXX XXXX at XXXX XXXX  numerous times to address this billing problem. XXXX XXXX XXXX then sold this fradulent debt to Wakefield and Associates who then placed three collection accounts on my credit report, all three credit bureaus. My credit score of XXXX has dropped to the XXXX XXXX because there are three fradulent charges that are not my bills. I have disputed with all three credit companies and I am not responsible for any of the charges listed on my credit report. These are fradulent and should have been paid by the State of Texas. I have also reached out to my Texas House Representative, XXXX XXXX, to no avail to address this problem.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: F.H. Cann & Associates, Inc. (FL)

I entered into a income based repayment agreement with F.H. Cann & Associates , Inc. on XX/XX/2016 for a monthly voluntary payment of {$38.00}. 

To date, I have honored this agreement and have been " on time '' every month in paying by the XXXX day of each month directly from a specific business bank account, as it is reasonable and affordable for me. All pre-authorized payments to date except the XX/XX/XXXX payment have been processed - which I noticed said usual amounts have not been debited as they had in the past. 

I have not received a written notice of changes to our agreement, and, have now been sought on my mobile phone [ which I use for work ], and, the main line phone number to my business during regular business hours by agents of F.H. Cann & Associates, Inc. 
This practice now begins to adversely effect my state of mind at work and the business flow of approximately 5 other individuals. More specifically, the agents calling my employer have asked for me at times I am conducting important tasks or timely projects and speak to others without regards to my privacy as to where they might fax, email or send a wage reduction form. 

In the initial contact period with F.H. Cann & Associates , Inc., I did have faith they may be able to assist me in rehabilitating my federal student loans. They convinced me my affairs would be handled on a professional level with my best interest in mind. Two months ago they began to apply pressure for me to sign a separate and new terms and conditions agreement with language referring to " collection of fee up to 16.0 % of the outstanding principal and interest balance then due on my loan ( s ) will be added up on conclusion of this Agreement and purchase of my rehabilitated loan ( s ) by an eligible lender. '' I have yet to determine what more I can do to comply honor my responsibility to what I 've agreed but know my original federal student loans have rates under a 5 % interest. 

I have advised F.H. Cann & Associates , Inc. of my on-going involvement in debt counseling through my Attorney, XXXX XXXX. And, they are well aware I am considering personal bankruptcy only because of outstanding medical bills due to a XXXX, whereby financial constraints within the past 10 years were compounded by a long-term employment lay-off. This episode of my life rendered my personal financial affairs a disaster that also caused me to cash in a 401K to care for myself and a dependent child. 

I have asked F.H. Cann & Associates , Inc. for their consideration of all communication with me to be conducted by telephone after XXXX EST., to which they have not complied recently. There is no clear line as to why F.H. Cann & Associates , Inc. now comes at me with such aggression with obvious disrespect for my personal business matters. I now think of F.H. Cann & Associates , Inc. agents as being far more seriously dangerous to my mental health as their intentions seem to have taken a turn for the worse.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.