davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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. (FL)

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 2023-11-22
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. (NC)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-11-22
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. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-12-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WI)

They said i opened an account on XX/XX/ and it was closed out with a balance of {$2500.00}. Credence Resource Management was requested by myself to get me the original contract with my signature on it and an itemized statement showing me all what is owed in the debt equaling out to {$2500.00}. They emailed me two documents " verification of debt with itemized billing '' it only showed the balance of the {$2500.00}. No depiction of what items were being charged to equal that amount. Then the second document was the original contract with my signature on it. Which was not the document it had no signature on all 8 pages that i received. I have requested from Credence Resource Management to delete this debt account and email me a verification with this debt being closed and removed and they will not comply even though they can not confirm signature contract or itemized bill statement with total amount. If requested, I can send the emails that I requested from Credence Resource Management
Consumer complaint received 2023-11-22
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. (TX)

I have already disputed these items but the bureaus did not remove them, nor prove validation. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 1987, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-22
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. (PA)

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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (VA)

I am not liable for this debt with XXXX XXXX, I do not have a contract with Jefferson Capital Systems, they did not provide me with the original with the original contract as I requested. I did not sign nor validate with signature any binding contract with this company.
Consumer complaint received 2023-11-22
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. (PA)

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 2023-11-22
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. (NY)

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT 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 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/XXXX unauthorized hard pulls and XXXX XXXX XXXXXX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason and XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason. 
XXXX XXXX XXXXXX/XX/XXXX same thing. XXXX XXXX XX/XX/XXXX. 
I did not authorize the child support department to put nothing on my personal credit I never gave the my ssn. diversified adjustment I never authorized them im unaware of this its not me. XXXX XXXX I this is unauthorized I don't know this place
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MD)

For XXXX consecutive months, after student loans resumed, my auto pay for Aidvantage has been rejected. I have had auto pay set up for over a year in advance of repayments resuming, but last month the payment was not taken from my account and I was delinquent. I called the provider, made a manual payment, and was assured that auto pay would work this month. However, again the auto pay did not go through and again I am delinquent. I spoke with aidvantage and they told me I had only set up auto pay on XX/XX/XXXX- which is wrong. The previous customer service agent added notes to my account on XX/XX/XXXX stating the issue and noting that everything was set up for my XXXX payment. Speaking with them again this month ( XX/XX/XXXX ) they initially told me this was my fault and then said it was a system issue with no resolution. They would not provide this response in writing for my records. I also requested that the auto pay be adjusted so that it withdraws my money in advance of the due date so that I can monitor for issues and make a manual payment if there is an issue, but they do not allow this. I'm very concerned about late fees and impacts to my credit as a result of this, if it continues in future months and the only resolution they gave me was " it should be fixed by next month, so don't worry about it '' which is what they told me in XXXX and I'm still having the issue. They provided no assistance whatsoever.
Consumer complaint received 2023-11-22
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. (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I saw a fraudulent charge from XXXX was made on my account on XX/XX/2024 for a XXXX event for {$620.00}. I called Chase ( my credit card company ) to state it was a fraudulent charge. I saw that the money was given back on XX/XX/2024. However today when doing my budget, I saw that the {$620.00} charge was placed BACK onto my account XX/XX/2024. I called Chase and they stated their fraud department said it was a true charge because they had my name, my phone number, and my address. I have just recently purchased a home ( XXXX XXXX XXXX XXXX NJ ) and have been receiving scam mail just based on the fact the purchase is public records. They are telling me with these XXXX items, they were able to confirm they purchase was " verified ''. They told me to call XXXX as well but I have not been able to reach any customer service on that end.
Consumer complaint received 2023-11-22
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. (GA)

All 3 credit reporting agencies are in violation of my fair credit rights, they are reporting late payments 15USC168a ( 2 ), invalidated charge off and collection on my reports, as well as refusing to remove old address from my report, I have filed a complaint with FTC and will continue to do so until the violation are removed
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My credit card along with my wallet and phone was stolen and there are a lot of unauthorized transactions/fraudulent transactions on my account and when I finally received a new phone I log into my account and now its closed
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (FL)

Dispute # XXXX for {$790.00} at XXXX XXXX XXXX XXXX on My Fidelity Credit Card issued by ELAN was submitted on XX/XX/year> 1. Refund of {$450.00} fee for the destination shuttle ( promised to me at the time of move ). The movers did not use a big container truck and they did not need a destination shuttle to deliver my items.

2. Refund of the misc extra storage ( 20 cubic feet ) suggested by the QA personnel if in case we go over the agreed-upon items.

3. Claim for 2 broken bowls, one broken baking bowl, and one smart XXXX XXXX monitor. 

Total of the above comes to {$790.00} Elan is terrible with dispute resolution. Other than the initial correspondence from Elan, there has been no correspondence from them. They have never notified me if anything is pending on my end to deliver regarding documentation. Even the resolution they came up with was that they could not help me and I needed to figure out with the merchant. There was no written documentation of the resolution, I had to call them to get an update. I was not able to resolve it with the merchant in the first place thats why i needed to involve my credit card issuer.
Consumer complaint received 2023-11-22
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. (VA)

Please be advised, the name XXXX XXXX XXXX is now under ownership and jurisdiction of XXXX XXXX  Trust. Impermissible usage and reporting of my private propertys financial and personal information, ( 15 USC 6802 ), will result in charges for abuse, loss, and damages, as well as UCC code violations under a Trust and Common Law. There are accounts thats are closed ( 28 USC 6050 ( P ), 15 USC 1681 ( a2, a3 ) ( Gramm Leach Bliley Act ) and requested removal from my report but still reporting closed and charged off accounts which is violation of rights. 18 USC 43.Experian is abusing the power to report inaccurate information. 15 USC 1692 ( d ) .12 USC Ch 5 ; Reporting late payment is illegal. 15 USC 1666b. And any accounts closed and written off are billing errors 15 USC 1666, or just flat out misinformation which falls under misconduct 15 USC 1640, to which you have a civil duty to rectify. I am under Trust and will sue for violation and deprivation of my rights and all negative information is not removed from and to refrain for fraudulently reporting the copyrighted name XXXX XXXX XXXX, which is under XXXX XXXX Trust ( 42 USC 401, all rights reserved. All evidence of fraud and abuse will result in Arbitration, or Trial with submission of our Private fee schedule for arbitration for each agency, agent, government involved.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In XXXX of XXXX  Capital One CBELA furnished information to my credit report. The company has violated more than 4 laws under the United States fair credit reporting act. Fifteen United States code 1681-B has been violated by the company furnishing information to my credit report for non permissible purposes. The company has also committed identity theft against me under United States codes 1681-C and 1681-C/2. Capital one CBELA has also violated my rights by breaking the following laws under Fifteen United States codes 1681-E, 1681-I, and 1681-S/2. Please remove this company 's name and any information they have furnished to my credit report from my credit report.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I initially was provided with a credit card through Bank of America. I transferred a balance from another higher interest card. After I did that Bank of America reduced my credit limit multiple times even though all payments were made timely through auto-withdrawal. One payment was delayed for a few days because I had to close a checking account and reopen another due to fraud. 

Every time they reduce the credit limit it negatively impacts my credit report and credit score. This should not be legal if a consumer has paid timely with no issue with the company. 

The company basically is providing misleading information. I have spoken to the company and they indicated that the only thing I could do was to request that my credit limit be increased back to what it was and they may or may not grant it.

I would ask that my credit limit be increased back to what was originally provided so that it does not negatively indicate my credit report by reducing my available credit. I feel that I was taken advantage of by utilizing bait and switch by providing a certain credit limit. I would not have switched companies if I had known they were going to do this and would subsequent negatively impact my credit.
Consumer complaint received 2023-06-14
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)

On XX/XX/XXXX I sent XXXX XXXX XXXX account number XXXX a Validation of debt letter XXXX XXXX has failed to respond according to FDCPA 15 USC 1692g sec XXXX this is a violation, Further more XXXX XXXX XXXX has failed to mark the account as disputed at the time of validation of debt request. 

Also Equifax and XXXX have inconsistency as far as this account goes. 

XXXX reported this account being opened on XX/XX/XXXX Equifax reported this account being opened on XX/XX/XXXX XXXX reported that the account number is XXXX Equifax reported that the account number is XXXX These are all inconsistency and is a violation through the Fair Credit Reporting Act. 
Proof of this has been downloaded through the CFPB Portal
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a bunch of student loans that are apparently thru XXXX, which I have never even applied for thru on my credit. Looking at a current copy of my credit report thru Experian, it has no method as far as the dates and order that they are listed on my report. I find it odd that they jump around? As I did have student loans, I have always chosen income based repayment not sure what these terms are for these loans. It also puzzles me looking at how many are listed? When I applied for a loan thru XXXX XXXX, I requested one amount, XXXX and I think they approved it XXXX, then XXXX, but I'm not 100 % on exact amount. However, they did not list each dispersement as a separate loan ; it was one loan that was given to the school and the financial aid department then released funds every semester. This private loan wasn't even applied for until XXXX, and I graduated XX/XX/XXXX. I have no idea which school these loans are even for. I have disputed the XXXX previously but it looks like it only multiplied them, from my point of view only having a phone as I have been experiencing a hardship that is due to identity theft that I also believe may include money laundering as the information I have found is that my personal info is slightly altered like d.o.b ore name spelling as to move money like any lump payments, inheritance unknown and even reward/award funds that were unexpected and a chance for the fraud. As I have been dealing with this since XXXX and I have become less capable to focus all my attention on this situation due to the result that has led to loss of resources like a place to live due to illegally being evicted, closed credit accounts from duplicate cards n technology hack that mirrored everything causing confusion n misdirected charges n credits. I have no co signer ore other attachments that have the power to open accts in my name ore make financial decisions. I am curious to get the information on these accounts so I know the profile info to verify like driver 's license number n d.o.b., address when applied, ph number used at the time. I would like to know which school I went to and what kind of degree I received if any. What kind of terms for repayment was agreed because living on fixed income, I usually choose income based repayment plan as it only last 10 years n payment are forgiven if not paid in full by that time aside from normal deferment if my current situation is still not able to make payments due to income to low and living expenses too high. So not sure what ore why this is on my report, would like copies of application and all requested above ore have it taken off my credit report as it is causing more hardship and I'm already barely living in my car as it is on its last leg.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (AL)

I paid {$120.00} on the XXXX of each month for a service that I was told that I needed. I even paid an initial fee to get it started up. The last date I paid was XXXX. I was told I needed to have the service for a couple of months before my credit improved and it never did. I was also lied to about the services that Lexington Law offered. I wanted the cheapest plan because thats all I could afford. I was told the cheapest plan was the one for {$120.00} but the cheapest plan at the time was {$89.00}. I didnt realize this until after I had paid months of {$120.00}. I spoke with another representative and he informed me of the lower plan. But I had spent so much money that I couldnt even afford at the time. I felt used and lied to about the entire situation. Trying to resolve the issue, I had no other choice but to cancel my services. I had my account since XXXX to XXXX
Consumer complaint received 2023-11-22
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. (PA)

I XXXX XXXX Currently have some fraudulent inquiries appearing on my credit reports. I have listed the inquiries below with supporting documentation. 

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 2023-11-22
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: Experian Information Solutions Inc. (CA)

I submitted a complaint last month against Experian for inaccurate reporting on my credit report which they failed to update and investigate. I have a letter from the better business bureau proving they ignored one of my last complaints about inaccurate reporting which is unfair to consumers and violated FCRA federally protected laws.