davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Request for Payment of Arbitration Filing Fees XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX Equifax Consumer Services LLC XXXX XXXX XXXX, XXXX, GA XXXX Attn : Request for Payment of Arbitration Filing Fees Dear Equifax This is a formal request that Equifax advance all arbitration fees prior to the commencement of the arbitration. The invasion of my privacy has caused ingury to my personal life and prohibited me from obtaining new credit. This is also my notice in writing to inform you of my intent to pursue legal action against Equifax for violations of federal statutes, including 15 USC 6802 ( a ), 15 USC 1682 ( b ), and the Consumer Privacy Act of 1974. The basis for this claim stems from the alleged breach of fiduciary duty, mishandling and disregard for the privacy rights of consumers. In CFPB complaint XXXX, I stated The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, has violated my rights. XXXX XXXX XXXX : # XXXX, has violated my rights. XXXX XXXX XXXX : # XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX : # XXXX, has violated my rights. XXXX XXXX : # XXXX, has violated my rights. XXXX : # XXXX, has violated my rights. XXXX XXXX : # XXXX, has violated my rights. XXXX XXXX XXXX  : # XXXX 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 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. But Equifas replied saying all accounts were verified but whom gave Equifax authorization? Where did they get their information? In my last CFPB complaint # XXXX filed XXXX was a reminder of the equifax data breach settlement claim # XXXX and the extended claim # XXXX filed as well. There has been no response in the package received by Equifax XX/XX/XXXX or in the previous CFPB complaints filed. 

Please adhere to the contact of equifax in the arbitration agreement which i have attached the Equifax XXXX XXXX Thank you XXXX XXXX
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act. 

The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts named : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 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 an 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 2023-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I, XXXX XXXX, a consumer, am notifying Transunion that I dispute these alleged debts pursuant to 15 USC 1692g. I request that you provide me verification of these alleged debts. Verification of this alleged debts., Verification consists of proof that this alleged debt belongs to me, a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt Is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collections of this alleged debt which includes reporting to my consumer report with Transunion. 

Furthermore, I did not consent to having my personal and private information. This constitutes aggravated identity theft. I also did not consent to the reporting agencies to report the below collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley AcXXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value of Purchase showing how much you paid for this debt. It is a material misrepresentation for you to attempt to collect any amount more than what you paid for this debt which is fraud upon the court and false & misleading. 

This is a WARNING! You have violated my rights as a consumer and if you do not cease all collection activities on my credit report and request for this account to be deleted from my consumer report, I will commence a civil action against your company, In the United States District Court. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (LA)

My credit limit has been reduced 3 times in the last year from {$15000.00} to {$8500.00}. The most recent was on XX/XX/XXXX. My payment history with the company is excellent so there is no reason for the decreases. Their actions are causing my credit score to stay stagnant rather than rise which it should be. As I pay off the card, my credit utilization should be dropping, which in turn would raise my credit score. 

I've spoken to 4 representatives and am being told that there is no one who can restore my previous limit and that I should apply for an increase. The problem is that I won't get approved for an increase if my credit utilization, and this my score stay stagnant, which is purely due to their actions. 

There are 2 statements attached from XX/XX/XXXX and XX/XX/XXXX. Both show a credit limit of {$9500.00}. I don't have a statement from this month, but the limit is currently {$8500.00}.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXX & XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXX Date Opened : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX BANK OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (MO)

My modification should be over. Mr cooper said it was with the VA now. I spoke with the VA days ago and they said they already did their part. I spoke with them directly. Its in mr coopers hands now. They were supposed to have escalated this. They received my modification signed paperwork back about 4 months. Its ridiculous how long Ive been waiting. Also Ive made 3 months of payments already since sending The mod paperwork back. Im looking to get a new loan asap for another place and Im stuck until this is sorted. 
My time is being wasted with me having to constantly call with no one knowing what is going on or lying saying its with the VA when it clearly is not. This needs to be sorted soon. 



I dont have time to call and go through the phone menu everyday and no one has given me an extension to call my rep listed in my message responses on your site. Nor has anyone responded from messaging to Mr coopers email addresses
Consumer complaint received 2024-03-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

Customer was never aware of an outstanding balance due as service was brought in by XXXX in error, and yet was canceled the same day. XXXX refer my account to a XXXX XXXX without any notification or mail to correct the debt, instead just put my account in collection. It is disingenuous and appalling to have this level of service without my consent or advice of any balance due, as XXXX agree it was there mistake on the wrong service elected/canceled and there were no balance due.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 1681 c. ( 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 2024-03-29
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : AXXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I received an alert from my credit monitoring site advising me that I have an account in collections. However, I shouldnt. I pay all my bills in time and I do NOT owe or have accounts in collections. This account was previously disputed and removed previously and somehow they replaced this account with a new collection agency. 
I am a victim of identity theft and have been since XXXX, I have over 7 police reports for identity theft, I also keep a fraud alert placed on my credit report to help protect me.

This account was not made by me or authorized by me. 

XXXX XXXX  account # XXXX
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

1. Experian Credit reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 2.XXXX credit Reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 3. Name on current credit cards or bank loans reporting on my credit file does not match my name or address l attached my current Driver License Utility Bill and Social Security Card
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I request recondieration from Bank of America about the payment terms they have provided in response to XXXX. 

I planned to work with Bank of America when I get details that they promised as part of the CFPB case XXXX. Even though I didnt see a postal mail in USPS informed delivery website, I received a letter on XX/XX/XXXX from Bank of America XXXX 

So I am responding them about this and I am expecting reduced interest rate and payment amount so that I can pay off the debt without much financial burden considering his living expenses. 

I am unable to afford interest rate provided in the terms as well as payment per month. I left a feedback before receiving the letter on XX/XX/XXXX in CFPB case indicating I didnt receive a secure message or communication. I apologize for the same. 

As per the letter the principal amount is XXXX + fees XXXX + interest XXXX + purchase XXXX - payments XXXX = XXXX The interest amount calculated on principal is {$5100.00} for 36 month term loan. 

The interest charged is approximately 12 % per year for 3 years. 

I request the interest rate that is less than 10 % and payment term of at least 5 years. 

I think this will result in an approximate monthly payment around {$330.00}. Please consider my request. I am providing the letter received for reference.
Consumer complaint received 2018-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CO)

Months after I closed my XXXX account last XX/XX/2017, i started getting a {$60.00} bill from XXXX. The bill has no detail. It just says that I owe {$60.00}. They send me the bill by mail and email. I called and and they weren't able to find the account number listed on the bill. They weren't able to tell me anything about the {$60.00} charge. I responded to their email and they never wrote me back. I keep getting the bills every month. I called them a few more times. Same result. Now I'm getting notices from a bill collection agency. Instead of {$60.00}, they are asking for {$160.00}.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE (IN)

When making a contribution to my HSA account through an electronic draft of my bank account, The provider says the transaction may take 5-7 business days to process. While this seems reasonable, the money is deducted from my bank almost immediately, but takes at least 7 business days to show up in my HSA account.

This seems unreasonable to me and makes me think that the company is profiting by holding my money as long as possible and not making my funds available to me.
Consumer complaint received 2023-12-29
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. (VA)

I have repeatedly disputed incorrect information on my XXXX XXXX account, and as early as today, I submitted my dispute, and they removed only one late. Please help to remove the remaining lates and restore my account to paid as agreed.
Consumer complaint received 2023-07-11
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. (UT)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2024-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CB1, Inc. (MT)

I received a collections notice from CB1, Inc., saying I owed a debt of {$790.00} to XXXX XXXX XXXX. I have never retained XXXX XXXX for anything, not for myself, nor do I have any dependents. How they even came to get my contact information is unbeknownst to me.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.