davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  - XX/XX/2024 XXXX. XXXX - XX/XX/2024 XXXX
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint regarding a collection account labeled " XXXX  XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I am writing to report a significant issue that occurred with a cash deposit I attempted on XX/XX/year>. On that date, I deposited approximately {$2500.00} in cash into an ATM at your branch. However, the machine malfunctioned and showed an error message, indicating that the transaction had not been processed. Despite my deposit, none of the cash was credited to my account. 

This issue is causing considerable inconvenience and distress for me, as I have urgent financial obligations, including home rent and other bills, that are now at risk of being unpaid. I was informed that resolving this problem could take up to XXXX business days while the ATM undergoes an audit. This extended timeframe is particularly troubling, as it significantly disrupts my financial planning. 

Given that cash deposits should be available for immediate use, I find this situation unacceptable. At the very least, I believe I should receive a partial credit to my account while the investigation is ongoing. The protracted process and lack of immediate resolution feel both unfair and unreasonable. 

This experience has raised concerns about the reliability of banking services and the potential impact on customers ' time and finances. I urge you to address this matter urgently and provide a provisional solution to alleviate the financial strain caused by this error.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-06-09
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. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/XXXX Kohls/CapOne placed a negative mark on my credit report. ( See attached ) XX/XX/XXXX - Received an email from XXXX XXXX that notified me I had a negative mark on my credit. 

XX/XX/XXXX - Logged into my Kohls account and found I had a balance due on my account. 

XX/XX/XXXX - I scheduled payment in full - from my bank account as soon as possible. 

XX/XX/XXXX Balance paid in full ( from my bank account ). 

XX/XX/XXXX ( XXXX ) - I received a Robo call from Kohls on my home line ( not my cell phone ) saying to call Kohls at an XXXX number ( Repeated 4 times ), but no other information. ( See attached ) XX/XX/XXXX - I called Kohls Customer Service line, and the agent said there is no problem because I had a XXXX balance ( this is because I had already paid the bill ). I asked them why I hadnt been notified ( in any way ) that I had a balance due or that they were going to make a negative report to my credit. The customer service agent said because I was enrolled in paperless billing they dont send emails or notify customers in any way to let you know you have a balance due, that I am supposed to just must check my account on a regular basis. I had made several charges, but also returned several items, so I didnt know I had a balance on my account. I asked the agent to reverse the service charge and to reverse the negative ding on my credit. He reversed the {$40.00} service charge and said he would create a ticket and send it up the line, because I had not been notified in any way that I had a balance due or that they were going to make a negative report on my credit. 

XX/XX/XXXX - I received a letter in the mail ( dated XX/XX/XXXX ) from Kohls saying they were not going to reverse the negative report. ( See attached ) None of the following occurred prior to the negative charge on my credit. 
Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered
Consumer complaint received 2024-06-04
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. (WA)

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 USC 1681.

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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they still 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 submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (IL)

I have never had an account with XXXX XXXX, nor have I ever received communications from them through anything other than this website or XXXX. I have never received communications from XXXX XXXX XXXX. They have stolen my identity and are using it incorrectly.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc. (CA)

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 2. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXXXXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AL)

The XX/XX/year> bill of {$91.00} was due by XX/XX/year>. On XX/XX/year> I paid the entire {$91.00} and Comenity bank charged me a late fee of {$28.00} because my payment was posted an hour late. Comenity states if a payment post after XXXX Est time there is a late charge. My question was I posted the entire amount on the date due, and I live in central time zone why I was charged a fee for no balance owed. Comenity would only refund {$15.00} and still charged me {$13.00} when I didn't owe a balance on the card. This is an unfair charge to hurt me as a consumer.
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (CA)

I applied for a personal loan online. The got all my information including SSN, Bank Routing and checking accont number, etc and without me agreeing or signing any contract the email they sent says I owe 20 payments of {$340.00} every two weeks for a XXXX XXXX loan!!!
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I am responding to your correspondence dated XX/XX/year>, regarding her dispute over the reporting of bankruptcy record case number XXXX. 

Firstly, we assert that LexisNexiss determination of this dispute as frivolous under Section 611 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 3 ), is not justified. Under this section, a dispute can only be considered frivolous if there is no new information or documentation supporting the claim. I have provided consistent disputes regarding the inaccuracies in her credit file, yet it appears that no significant investigation into the underlying issue has been conducted. Per FCRA, LexisNexis is required to conduct a reasonable reinvestigation of the information being disputed. Simply marking disputes as frivolous without properly verifying the accuracy and completeness of the information would violate XXXX XXXX rights under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Additionally, Section 611 ( b ) of the FCRA mandates that the credit reporting agency provide a detailed description of the procedure used to verify the accuracy and completeness of the disputed information, which I have yet to receive. Please provide detailed information on the methodology used by LexisNexis to verify the bankruptcy record with XXXX and demonstrate how the record was matched to me, as XXXX often contains minimal identifying information, which could lead to potential misreporting.

Moreover, pursuant to 15 U.S.C. 1681c, a bankruptcy must be reported accurately, and no credit reporting agency has the right to report information that is obsolete, misleading, or incorrect. If the reporting of this bankruptcy was not based on complete and verified information, LexisNexis is obligated to remove it under the FCRA. If LexisNexis is unable to verify this information accurately, I have the right to have it removed from her file immediately, as the burden of proof lies with the reporting agency.

We expect that LexisNexis will take the necessary steps to properly investigate this dispute, provide all information related to the procedures followed, and ensure that the reporting of this bankruptcy is accurate, complete, and verified as required by law. If no resolution is reached, we will pursue additional legal remedies under the FCRA and other applicable consumer protection statutes.
Consumer complaint received 2024-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I have sent upwards of 15+ emails to FirstMark Services and have received no correspondence back. I've asked about payment changes, incorrect payment amounts they mailed me and then proceeded to take more money out. Their phone-number doesn't allow to actually get through. It asks for soc, birth date, and zip code and after entering it just says " sorry your info wasn't found ''. 

I have tried every option except physically mailing FirstMark services. 

I have sent 15+ emails since XXXXXXXX XXXX XXXX and the only response I received was " we apologize for any confusion, customer feedback is critical to FirstMark services ''. I have had no actual communication from this company about anything I've asked and I don't know what else to do. 

XX/XX/XXXX - FirstMark communicates my payments are {$420.00} a month after my loan is sold to them ( I was previously paying {$520.00} a month ) XX/XX/XXXX - {$580.00} is withdrawn from my bank account XX/XX/XXXX - I reach out and ask what my payments are, why was incorrect info communicated, what my payment is, why it raised since loan transfer, etc. ( Total of 5 emails sent throughout the day ) XX/XX/XXXX - FirstMark responds that " XXXX is the payment needed to cover my loan in full '', XX/XX/XXXX I respond with the same questions I asked on XX/XX/XXXX since they are still unanswered XX/XX/XXXX - I follow up ; no response XX/XX/XXXX - I follow up later in the day ; no response XX/XX/XXXX - I follow up, no response XX/XX/XXXX - I follow up, no response XX/XX/XXXX - I follow up, no resopnse At this point, I called and couldn't get through and gave up on trying to get communication back. 

XX/XX/XXXX - I receive a message that my loan status was corrected and an error has been received XX/XX/XXXX - I followed up to no resposne XX/XX/XXXX - I receive a message that my " 12-month post-transer interim repayment plan is sending and it's no longer offered by my lender and that I'llg et a new monthly payment amount. 
XX/XX/XXXX - I follow up, no response XX/XX/XXXX - I follow up, no response
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc. (VA)

The lien holder did not send me no notice nor did they call to let me know that it was out for repossession as well as they lied and stated that they had no knowledge of the repo agent who stole my car with my personal belongings in the car XXXX XXXX XXXX is responsible for the damages on my XXXXXXXX XXXX XXXX XXXX. He caused XXXX flat tires on the back due to him pulling the car while it had the emergency parking brake on .. he dragged my car .. XXXX is the owner. His performance was unprofessional at all costs he came on private property n towed my car without paperwork and without checking the vin to verify he had the correct vehicle i have the video of surveillance if anyone needs to see proof. CarMax auto finance is the lien holder and they are just as shady.. i ask for justice the XXXXXXXX XXXX that my car was towed from has private property and i have the sign uploaded on this case however the video surveillance is over a minute long so I couldnt upload it but feel free to contact me for me to send it
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MI)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

I have been a client of Lexington Law since 2021. They promised to resolve numerous credit issues stemming from my XXXX  and subsequent XXXX. However, I discovered that they were simply sending out vague form letters without sufficient detail to which my creditors responded with equally vague letters restating previous responses. When I complained about the lack of attention given to the issues at hand, some of my accounts were escalated. In practice this meant demanding lots of documents from me and then sending more vague, meaningless ( and frequently erroneous ) form letters to the credit bureaus. Lexington Law took credit for removing any items that aged off of my credit report while steadfastly refusing to provide any meaningful account of exactly what services they were providing. I frequently spoke to paralegals who couldnt properly conjugate English verbs. This led me to doubt their actual qualifications to resolve my issues. I paid well over XXXX XXXX dollars without having a single issue resolved by the firm.