davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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. (GA)

Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : 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 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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the XXXX XXXX XXXX, XXXX XXXX Partial acct # XXXX..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.
Consumer complaint received 2023-09-05
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (SC)

I got an unexpected interest charge on my bill. I was informed by an employee that used Care Credit in their facility that I should be able to pay off the interest if I paid the min. balance. I always paid more than the min. balance. Every time I tried to reach the supervisor or manager someone else would assist me and the only solution, they offered was to waive the interest if I paid the complete balance off in 1 month ( which they knew was impossible for me to do ). I then took it to XXXX  and made public reviews ( as XXXX  suggested ). Then they were going to get the supervisor or manager, but they still offered the same solution yet again! I just want them to drop the outrageous interest charge so I can pay off the remainder of my balance, but they refuse to cooperate.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is violating 18 USC section 1342 - fictitious name and address. Equifax received a complaint from me this XX/XX/2023 regarding the fictitious name and address present on my consumer report and I requested the fictitious name and address be deleted. Instead of doing so, Equifax maintains the stance that the name and address in question is current. Equifax does NOT have first-hand knowledge regarding that fictitious name and address. I as the consumer have the first-hand knowledge regarding my true name and address. What's more, the fictitious address Equifax is maintaining on my consumer report as a 'residence ' is actually the street address to a Post Office Box in XXXX XXXXXXXX XXXX Texas . I never lived at a post office box nor would that ever be considered an actual place of residence. I never consented to have that fictitious address on my consumer report and never consented to having a fictitious name on my consumer report, yet Equifax is willfully violating 18 USC section 1342 and 15 USC section 1681s by maintaining the incorrect information on my consumer report.
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since XXXX  but on my report, this is still showing. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I CONTACTED EQUIFAX CREDIT REPORTING REGARDING MY PERSONNAL INFORMATIONS SUCH AS MY NAME ADDRESS AND PHONE NUMBER. 
I DID ASK EQUIFAX TO REMOVE ANY OTHER NAMES AND ADRESSES AND PHONE NUMBERS THAT NOT BELONG TO ME THEY REFUSE TO DO SO I ONLY HAVE ONE NAME ONE ADDRESS AND ONE PHONE NUMBER ANY OTHERES MUST BE DELETED IMMEDIATLY.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: MONEY SOURCE, INC., THE (CA)

You promised to cancel the loan. U agreed it was induced by fraud. You promised to work XXXX insurer of loan. 

YOU PROMISED TO REMOVE LOAN FROM CREDIT BUREAUS. 

you breached every promise including canceling the loan. You stole money from the XXXX XXXX misappropriated into 1 payment to you and then SOLD the loan back to XXXX. 

I demand you perform on your promises. 
REMOVE THIS FRAUDULENTLY INDUCED LOAN THAT IS UNENFORCEABLE AND VOID FROM ALL CREDIT BUREAUS and all other third party publications. You stole money that was given to XXXX pursuant to contract terms as return of ALL money. 

Litigation is still pending.
Consumer complaint received 2023-09-05
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. (CT)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please know the information on my credit report is not correct. I've listed name and address as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

Mohela recently moved my student loan account into repayment status. However, the servicer calculated my monthly payment incorrectly when it transitioned my account to the XXXX plan. There is no math on planet XXXX that shows how Mohela arrived at a monthly payment amount of {$530.00}, due XX/XX/XXXX. 

On XX/XX/XXXX, my monthly payment was calculated to be {$410.00} under the XXXX plan. I have not recertified my income since that date. Now that the XXXX plan is effective and uses 225 % of the XXXX XXXX XXXX instead of the 150 % figure that XXXX used, the monthly payment should have decreased. That means " gone down, '' for the kind folks at Mohela doing their best to keep up. 

In addition, my spouse 's repayment increased from approximately {$180.00} to over {$500.00}. Clearly, Mohela has calculated monthly payments incorrectly under the XXXX plan XXXX has not accounted for the appropriate family size *and* has ignored the requirement to prorate monthly payments among spouses when both owe student loans and are on income-driven repayment plans. 

The Mohela logline that " some borrowers will have a higher monthly payment '' after the XXXX plan recalculation is not an adequate explanation, as demonstrated by the facts above. On XX/XX/XXXX, I used the " Contact Us '' feature at Mohela to request a correction of the repayment amount but I have not received a response.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

This is to complain against Coinbase. 
I wish to practice my right as a customer of Coinbase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Coinbase. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with Coinbase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. 
They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CT)

I disputed this with the company in XXXX and XXXX of XXXX. I have return receipts by sending disputes via Certified mail. The company Resurgent Capital Services L.P. states it manages LVNV Funding LLC. This company was not listed on my consumer credit report. I asked for information containing to the debts claimed that I owe. I asked for account history, names, agreements or contracts. I ask that they prove I owe this debt according to FCRA laws. They did not send tear off portion for disputing. They did t send any information that was compliant. I do not owe this debt I do not owe them
Consumer complaint received 2023-08-19
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. (OH)

XXXX XXXX XXXXUPDATED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-UPDATED XXXX XXXX-UPDATED XXXXXXXX XXXX XXXX XXXX-UPDATED XXXXXXXX XXXX XXXX-UPDATED This is not telling me how we're these account XXXX . 
So once again I'm requesting method of veification for the accounts above, not an update but verification. 
I request that you send me this information so that I know that the investigation was in fact conducted properly. If yo are unable to respond in a timely manner and /or provide me with the requested documentation, please delete the accounts ) from my credit report. 
Thank you,
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

To whom it concern. 

I am a person with good credit score who pays his debts and obligation as a respectful and good citizen. 
I am victim of a fraudulent action from AMSHER COLLECTION SERVICE AND XXXX. 
Both companies are charging me {$1000.00} for a cell phone service that does not below to me. 

The account or service they are trying to collect belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

It is true that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Was my company by XXXX  but I transferred this XXXX  to the new owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reason I contact the bill department of XXXX and the answer was that I was right and everything was a mistake ; because the phone bill should be pay for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX who is the owner of the XXXX  on mention. XXXX did not give me any receipt or document that support that I do not owe any money to the cell phone company because I was not in the system. 
The customer service said to me Dont worry XXXX XXXX you are not in our system that account is not yours. It belong to other person and we can not give you information that does not belongs to you I notice to the new owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. About this situation but I dint get any answer from hem. 

Even I ask to myself what kind of phone service without contract costs {$1000.00} when a phone service should be cut off after a month without pay!!!! 

I am victim of fraud, abuse and harassment from AMSHER COLLECTION SERVICE AND XXXX. Something that is not easy at this time when inflation and the economy of the country are very difficult for any American family. 
Built a good credit take years and I can not believe that two large companies use all its power to destroy families without consequence. 

Thanks for your time, help and comprehension From a man with good faith
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please know the information on my credit report is not correct. I've listed information and inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2023-08-19
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. (IN)

I had a loan with XXXX XXXX they took me to court I won was dismissed in court and I've disputed it with all the court paperwork showing this count was disputed and I won it's in my favor I'm disputed it a few times with XXXX and Equifax but it just seems like they're not caring and they're not fixing anything they're taking their side over a court order it's a {$5.00}, XXXX XXXX XXXX there shouldn't even be showing on my credit report any longer it was dismissed an open court I sent the credit reporting agencies paperwork and they still refuse to fix it
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am submitting this complaint to BANK OF AMERICA due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX check was stollen from the USPS post office on XXXX XXXX. 
The person who stole the check deposited it via mobile deposit into his account at Bank of America on XXXX XXXX. The check was written to XXXX XXXX XXXX for {$6300.00} as payment for my property tax. Bank of America deducted the funds from my XXXX account even though the payee did not match the depositors account. I filed a claim with XXXX on XXXX XXXX. I was unaware of the fraudulent deposit until XXXX XXXX of XXXX contacted me about late payment to my property tax bill on XXXX XXXX. 
I have been in contact via phone with XXXX Customer Claims Department every month since the complaint filing on XXXX XXXX. They have stated that they are in contact with Bank of America who has acknowledged the claim and is working on a resolution. 
It has been XXXX months and there has been no resolution or return of my funds. 
Today I received a letter from XXXX stating that if they do not hear anything from Bank of America within 90 days of the claim submission they will close the case and my funds will not be recovered. 
I have filled a police report with the XXXX XXXX, CA police department and with the United States Postal Inspection Service and have not received any information from them.
Consumer complaint received 2023-09-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

Made purchases through XXXX store online. I pay all of my bills through my bank 's online Bill-Pay and have for at least a decade. When making a payment, my bank, XXXX XXXX determines when my payment will arrive and payments are made accordingly. I pay on average 30+ bills this way per month. I NEVER have an issue with my payments being late yet every single payment made to : ComenityXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX has been late ( according to them ) and fees plus interest have accrued. I called them numerous times and asked the " late '' fees and interest be removed a according to my bank, were not late. It appears, Comenity Bank is HOLDING my payment for 2-3 weeks before crediting my account. I've even had numerous other store credit cards through Comenity with no issues. I was told by their Customer Service IF I did not close my account they would remove late fees and interest. They did not. They continue to harass me. Payments were due the XXXX of the month and per my bank, were received by then. I'm certain it must be illegal to withhold payments to charge late fees/interest.