davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it.
Consumer complaint received 2019-12-02
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. (FL)

As a frequent shopper at XXXX, I finally took advantage of their aggressive requests to open a XXXX charge to save 20 %. I spent {$330.00} and paid off the account the ext month. I thought the account was dormant until I received a debt collectors call stating I owed an additional {$6.00} and that had grown to {$59.00} with late fee 's. I paid and closed my account, but find myself with late payment reports on my credit report. This will affect my financial rating for years to come. 

I tired speaking with XXXX and XXXX XXXX and they were not helpful at all. They kept repeating themselves that I need to call the credit bureaus to discuss. 

This is consumer deception at its finest and I hope cfpb can assist. All I want is for the delinquencies to be removed from my account. 

Thank you,
Consumer complaint received 2020-08-31
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: Bread Financial Holdings, Inc. (MA)

On my XXXX home account is being reported and listed account status as derogatory, with all 3 credit bureaus. Last report was 2019, I am requesting that the derogatory account status be removed. This account is paid and I would like it to be reported as closed
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$680.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. XXXX  is reporting correctly. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be updated to report a {$0.00} balance. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I had a XXXX credit line with Discover Card. They suddenly lowered the credit line for no reason and no notice shortly after paying them off for no valid reason. This was mainly due to unethical issues with XXXX XXXX sending my ex husband a credit card making him think he was approved for a XXXX card he had recently applied for. Instead they sent him a card under my account as an authorized user but making it look like his own account. It was not time for issuance of new cards and neither I nor XXXX asked for this card. I have complained to the XXXX and they have completely mistrued the issue with replying to the XXXX about XXXX being a authorized user on my Discover Card which had nothing to do with the issue of the credit line decrease because of the authorized user card on my XXXX XXXX account. Either they are illiterate and are totally unable to read or interpret or they are just wasting time and not planning on correcting the issue which had nothing to do with increased spending on my part. Complaints have also been filed with XXXX XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2020-11-23
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: Southwest Credit Systems, L.P. (FL)

On XX/XX/2020, SOUTHWEST CREDIT XXXX add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOUTHWEST CREDIT SYS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-08-31
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC. (CA)

Received a Collection letter indicating I have a debt to XXXX XXXX  XXXX  of {$95.00} and {$26.00} to Pinnacle Recovery Inc for Collections Fees, I called XXXX XXXX XXXX and I was confirm I was current on my maintenance dues so I called Pinnacle Recovery to informed them that I was current with XXXX and they stared with different stories The {$95.00} was for upcoming dues so I asked why there is a collections for upcoming dues? later it was a balance from previous payments which I remaindered that I just called XXXX and I was current then they said it was all collections fees so I told them that is not what the bill said the answered was that is not relevant that is the balance and I have to paid it. I offered to paid {$26.00} which the bill shows as Collection Fees and they did not accepted they want me to paid {$100.00} to resolved the matter. 
I asked the to confirmed the recorded of the two conversations so we can heard them giving me different reason of the charges. the two call were on XX/XX/2020 around XXXX XXXX for about 30 minutes and the second call stated a little after XXXX XXXX  PST. 
I will paid the balance of {$120.00} to avoid collection issues on my records but would like the money back and have this company stop misleading people on how they do the billing.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was made aware of four accounts on my credit report that were opened in my name without my permission. The reason I even checked my credit report today XXXX/XXXX/2020 is because I was planning on applying for a personal loan. The accounts were opened with these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not have any relationship, written contract or agreement with any of these companies nor did I benefit anything from the accounts that were opened with these companies such as money, goods, services or any other benefit and I did not take part in any purchases or payments that might have been made towards these accounts. have no idea who is responsible for opening these accounts in my name without my authorization but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX, I placed a security freeze through all 3 credit  reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX Bank ; however, they indicated that my credit was still frozen. I called back the credit agencies ( Transunion and XXXX ), and was informed that my credit was not frozen. I could not get in contact with anyone at XXXX ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the XXXX agencies noted above, and again was told it was not frozen. I was unable to get any information from XXXX, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX/XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$95.00} XXXX  XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$530.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2020-07-01
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. (NY)

Hello. On XX/XX/2020, XXXX reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that XXXX will request that the defaulted loan be removed from the consumers credit report. I Have contacted Santander and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years
Consumer complaint received 2020-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (NV)

I checked my credit report on XX/XX/XXXX and there is nothing reported from this company. I recently checked my credit report again, XX/XX/XXXX and now there is something from CKS Prime Investments for XXXX XXXX, showing opened XX/XX/XXXX, past due for {$4000.00} and past due on both my XXXX, and XXXX credit reports. I disputed with both XXXX   and XXXX ; however, I do not know the results yet. I have no idea what this is for, never received anything in the mail regarding this debt and it being placed on my credit, and do not believe this is for me. This company is reporting to my credit something that is not mine and should not be reported.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

There were a fraudulent transaction of {$4200.00} on my Chase account, I called the bank as soon as it happened in XXXX. I asked them to close my account and send me a card where I was located.They said they could not send me a new card at my new location thus unable to close the account. I only bank with Chase. My mother passed away so I have to leave as soon as possible.While I traveled another fraud occurred of {$2100.00} occurred. I immediately called them and told them to close my account. This time they did and sent me a new card. Ive been disputing with Chase for the past 5 months and my claims were denied every time. They cited that I passed the 60 days claim period, while each time I immediately called them. My last attempt to called Chase bank after submitting all the paperwork they have requested was today XX/XX/2021. They stated that my claim was denied because it now more than 60 days, and the second claim couldnt be validated as well, because the first card should have been closed to begin with.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello. On XX/XX/2020, XXXX reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that XXXX will request that the defaulted loan be removed from the consumers credit report. I Have contacted XXXX  and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years.
Consumer complaint received 2020-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi, I pulled my credit report and found the following inquires to be unauthorized and fraudulent. 

I contacted XXXX  and TransUnion in regards of disputing the fraudulent hard inquires via letter and phone. XXXX  was able to remove the unauthorized hard inquires. However, TransUnion failed to remove them. I sent them a certified letter demanding removal for the hard inquires on XX/XX/XXXX. I tried contacting them via phone and still denied to remove the same hard inquires XXXX  was able to remove. 

They left me with no choice other than filing a CFPB complain hoping to get their attention and follow FCRA 's requirement and law but before taking any legal actions. 

Please advice them to remove the fraudulent and unauthorized hard inquires as my previous letter stated the following : 1. The inquiry was not authorized XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3.The inquiry was not authorized XXXX XXXXXXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2020-08-30
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC. (NV)

Navient continues to report 4 or 5 accounts as late to my credit report even though the accounts were charged off with the original creditor 1-2 years ago. Additionally, they perform unauthorized hard inquiries on my account monthly or every few months. These actions together continue to bring my score down, is overkill, unnecessary harassment that prevents me from obtaining credit or low interest rates.
Consumer complaint received 2020-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

I have asked for validation of tis account, and received nothing, I notified the company of their infraction, and they failed to respond to that as well. They are reporting inaccurate and unverified data to the credit bureaus! They must delete this account immediatley as they have violated the FCRA and FDCPA!
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I am not able to see my Equifax credit report. I have called twice and they said there were no issues. I requested to remove any fraud alerts and it still isn't done yet.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NJ)

This complaint is for SYNCHRONY BANK XXXX AND MORE CREDIT CARD. 
I had a contract for 0 % interest for 12months with a {$800.00} credit card limit. The purchase was for {$800.00} of credit. My minimum payment was {$29.00} a month i overpaid my minimum payment each month and after 6 months later my balance was {$500.00} they cut my limit to XXXX on the closing date of the billing cycle without warning. We are on a 12 month contract. 

Them cutting my limit from $ XXXX {$520.00} mid contract breaches the contract. I had 12 months to pay it off it hasn't been 12 months. This drastically decreased my credit score. I want to sue for that reason. My account has nothing to do with their financial COVID-19 issues. I feel the reason for the decrease was not due to my credit card report or history because my credit score has been increasing it's due to their personal COVID-19 issues which is bias.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

My place of employment has been closed since late XXXX and is still closed. 

We are having difficulty paying our bills, particularly our credit card debt. We have debt with Chase Bank on a Southwest Airlines Visa credit card. 

Chase continues to charge us what we consider to be the exorbitant and usurious rate of 15.99 %. We have never missed a payment and are shocked that they continue to charge such high interest when interest rates are at historic lows. We have called them several times ( the last was on XX/XX/2020. We don't recall the two times we called previously. ) to request a reduction in our rate during these tough times. Chase has refused our requests. 

Surely, you must have other constituents suffering the same fate. Is there any way you can intercede on our behalf and the behalf of others who must be in the same situation as we are with Chase? We want to pay our bills but Chase is making it exceedingly difficult to do so. 

Thank you for any help you can provide.