davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-03
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. (MI)

XXXX, XXXX and Equifax under the Fair Credit Reporting Act I am intialed to the documents your client Department of EducationXXXX sent in to open the over {$80000.00} XXXX loan account in my identity. I have been requesting the documents but no CRA have responded yet. Send the documents immediately as required by law. If you can not submit the documents state why? XXXX I was pre-apporved for a personal loan. XXXX against my permission you wrote to the loan company that my debt ratio was to high. XXXX why did tell the loan company this when I was just in the pre-approval process. I had not submitted for a hard pull of my credit report. XXXX you have blocked me from seeing my credit report and filing disputes, I can not see in the account. because you are a partner with XXXX by writing me and saying your going to send my case to an outside agencies. XXXX tell what gives you the authority to keep damaging my credit report and scores. I will see all CRA in court soon. CRA XXXX has no authority to rule on any student loan in my identitication. The real U.S. Department of Education General Counselor had ruled XX/XX/XXXX, Defaulted/Unresolved for FRAUD this mean no student loan servicer to touch this account, no servicing fees will be paid for this accountXXXX  was not suppose to be in custody of the fraudulent loan. XXXX was not to collect servicing fees on the fraudulent loan XXXX can not make any decsion on this student fraudulent loan. XXXX XXXX can present their evidence in court. XXXX stop me from buying a house. The CRA stop me from buying a house. CRA send the XXXX XXXX documents. I will see XXXX and the CRA in court soon for damaging my credits and scores CRA YOU BLOCK ME FROM BUYING A HOUSE XXXX  CAN NOT MAKE ANY DECISION ON THIS FRAUDULENT ACCOUNT. THAT WAS TERMINATED XX/XX/XXXX.
Consumer complaint received 2023-05-26
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: STATE EMPLOYEES CREDIT UNION (NC)

Dear Consumer Financial Protection Bureau, I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) by a creditor. Before the charge off of my debt, it was agreed upon that the debt would be paid in full, and that my credit report would not be impacted negatively. However, the creditor did not honor this agreement, and their violation of FCRA has negatively impacted my ability to obtain credit. 

According to the FCRA, creditors have a responsibility to report accurate information to the credit bureaus. In this case, the creditor broke our agreement, thereby violating the FCRA, which has caused damage to my credit score and limited my ability to obtain credit. 

I request an investigation into this matter, and I ask that the Creditor be held accountable for their violation of the FCRA. Additionally, I urge that you take necessary measures to ensure that the creditor corrects the inaccurate reporting on my credit report, and provides compensation for the damages they have inflicted upon me. 

I appreciate your attention and assistance in this matter, and I look forward to hearing from you regarding a resolution. 

XXXX Credit Bureau Name Statecu ( State Employees Credit Union ) Account number XXXX Amount : Paid Charge-off Disputed 5 times Sincerely,
Consumer complaint received 2023-11-03
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. (FL)

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2024-06-26
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. (HI)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (CO)

A card was open without my authorization. I never signed up for Citi card {$10000.00} was used and it is showing on my credit report. This was not done with my approval. I have filed a complaint on XX/XX/XXXX of 2024, I filed a police report. I informed Credit companies and locked my credit. I keep getting the runaround. I am now getting calls every other day asking for payment. The only reason why they have my number is because they updated it three weeks ago when I asked them how they were going to contact me because I havent heard anything since XX/XX/XXXX and I kept having to call them, I am not getting anywhere with this company due to the fraud that was done and my credit score is dropping tremendously over something I never did. I dont have the credit card number or account number. This was never sent to me. I am not aware of the charges that are on this card. This card was never in my possession and I never asked for it or signed up for it.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CO)

The company is my current student loan servicer EdFinancial. Here is the most recent email I sent to them ( no reply ), after waiting 4+ hours on hold following another 90min wait where they hung up on me today ( XX/XX/XXXX ) : I called your help line on Friday XXXX to discuss the illegally high IDR amount ( $ XXXX ) you had auto-enrolled me in, as well as to figure out why my account showed a past due amount of {$750.00}. I left my info for a call-back at XXXX XXXX. I received a call from XXXX at XXXX XXXX Monday, XXXX. She agreed the IDR was too high, and I expressed I wanted to opt for the Extended Graduated Repayment plan, for which I know I qualify per the student aid site. She placed me on hold several times to figure out what the past due {$750.00} referred to, before eventually conceding she had no idea. 

When I asked for confirmation in writing that my plan should update to reflect the correct EGRP amount due, and would remove the unknown {$750.00} past due charge, XXXX assured me it would reflect on my account shortly. When I asked what I should do if I approached the XX/XX/XXXX auto-pay date without corrected statements showing, she said I should turn off auto-pay, as { you } can go up to 2 months delinquent before it gets reported to credit agencies. I expressed that seemed legally and financially dubious as a suggested solution, she swore it shouldnt take that long to update me account. 

When it still showed the wrong amount due + the errant {$750.00} past due as of XX/XX/XXXX, I canceled the auto-pay and attempted to call the help line again ( signed up for call-back & never received one ). 

Since my credit score is showing dinged with a delinquent payment on XX/XX/XXXX, I called again to sort it out, as my account is still not corrected, still shows {$750.00} + {$2800.00} past due from XX/XX/XXXX and another {$2800.00} upcoming due for XX/XX/XXXX. 

I would like to confirm 1 ) I am enrolled in the Extended Graduated Repayment plan ( $ XXXX ), 2 ) The {$750.00} past due amount is either pulled from my record, or written justification for it is given to me, and 3 ) That the missed payment your representative told me to cancel payment on is removed from my account as a delinquent amount & is not reported to credit agencies as if I chose to avoid a legitimate payment ( which your own representative said this was not ).
Consumer complaint received 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NM)

Transworld Systems Inc mailed me a letter saying they want to collect a debt for XXXX XXXX. I called them at XXXX. The person I spoke with said his name was XXXX XXXX and gave me his direct number, XXXX. When I was ready to pay the call disconnected. I tried calling the direct number given but it was for an advertisement. I called the first number but it kept disconnecting the call. 

The address for them is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was charged an annual membership fee of {$59.00} with Capital One XXXX  months ago on XX/XX/2023. I have had my card for years and am in excellent standing. I lost my job and can't afford this membership fee, I also won't be using the card to travel ( this is a travel card. ) I called and asked for the fee to be refunded on a pro-rated basis for the remaining portion unused and also to change my card type to a regular card that doesn't have a fee. I asked for the fee to be pro-rated for the unused months since it is an annual fee and I won't be using the privileges for the rest of the year. First, the representative tried to talk me into keeping this type of card which I can't afford. Then she transferred me to a supervisor who said she can't help me at all. I explained to her that it seems predatory to charge me a fee for services I won't be using and I '' m only asking for a portion of the fee to be refunded. She then refused to give me any more information about her supervisor or who else I could talk to once she told me there is nothing she can do for me after being a customer for XXXX  years and paying this fee. I'm going through a hardship and after a decade in good standing with Capitol One they are refusing to refund me for a fee that is charged for services I won't be using. In addition the supervisor said the system wouldn't allow her- she shouldn't be a supervisor if she isn't empowered to actually help customers. I told her that this seems predatory and unfair and I was writing to the CFPB and she basically said she doesn't care- making even more work for her company- over a {$59.00} fee. Her ID is XXXX XXXX XXXX. By the time this complaint is reviewed and the time it will take to remediate it, Capital One could have just given me, a good customer of over a decade, the fee back. This is deplorable that banks feel the need to squeeze customers at a time when we are going through a hardship. I am also writing to the XXXX, the XXXX, and will be tweeting about this and posting on socials for my following of XXXX people.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am submitting a complaint regarding a charge off on my account that is in violation of the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681. This section of the law states that inaccurate or outdated information must be promptly removed from a consumer 's credit report. 

The charge off in question is invalid, yet it continues to negatively impact my credit score and financial standing. I am requesting that this inaccurate charge off be removed from my account immediately to ensure compliance with the FCRA.
Consumer complaint received 2024-05-15
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)

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.
Consumer complaint received 2023-11-16
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)

since XX/XX/XXXX  ive asked for verification of written consent, ive sent certified mail of a dispute letter that according to 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a ) my rights have been violated.
Consumer complaint received 2019-04-26
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)

Equifax and XXXX  are reporting incorrectly that I am 60 days past due on XXXX   XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (VA)

Sequium Asset is well known for repeatedly violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). They have amassed over XXXX complaints with the XXXX XXXX XXXX XXXX XXXX XXXX in the last XXXX years and more than XXXX complaints reported to the Consumer Financial Protection Bureau ( CFPB ). 

Despite my request for validation pursuant to the FCRA, they have failed to provide any response. Under 15 U.S.C. 1681s-2 ( b ) of the FCRA, Sequium Asset is prohibited from reporting on my credit profile while the account is in dispute without including a notice of the dispute. Nevertheless, Sequium Asset continues to report inaccurately, which is severely impacting my credit rating.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (VA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. ()

I was in the hospital they order a product for my use, I never received they keep calling me and asking me for payment. 
I told them if they send the item that I never received they have to billing Medicare and Medicaid. I am XXXX XXXX XXXX and received full assistance. 
Still they harrass me on the phone and now send me to collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-06-21
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. (HI)

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX,
Consumer complaint received 2024-09-01
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CO)

Once again, I have an account with Best Buy and I have the app for Best Buy when I look in the app. There is an option of my Best Buy credit card offered by Citibank now they say theres no open card. However I will upload this is literally an option for me to pay the bill, if theres no credit card in your name, Im pretty sure thats not a default option in the app. This is happening with multiple companies. Oh, when you cant get the credit card number because youre not the account holder or however, they pull this off but I mean, XXXX cant make sense of it.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've always made sure to pay on time for this account, never letting payments become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.