davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (CA)

I received an email on XX/XX/2022 from XXXX stating I owed a debt to sprint. I responded back right away asking for details of the debt as what they provided did not have the details of what was being asked and was not getting an email response back. then I started receiving calls and I again asked for details of what was owed as I did not recognize what was being asked to pay. i was referred back to the email and told the debt collector there was not details in the email and I needed details in order to pay. I called over and over and kept getting put to a recorded line and no one called me back. then my account was put in collections and it has caused negative issues to me. my credit score has dropped and I am getting rejected for loans and credit line increases. I need this resolved asap
Consumer complaint received 2024-04-19
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. (NJ)

I think FCRA 605B says we need to delete incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccuracies in reporting, amount, and dates.
Consumer complaint received 2023-08-30
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. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX : {$2500.00}
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IL)

I have been battling with US BANK HOME MORTGAGE for months to get the situation settled. Finally I was able to get my PMI removed after paying for an appraisal and a BPO, but now I have found out that I can not remove Escrow for the life of the loan without paying a penalty. The representative stated that Escrow was required to obtain the interest rate that I was given. I have never heard of a rate being contingent on Escrow nor do I recall agreeing to that during the application process or at closing. 

I submitted paperwork for the BPO over 7 weeks ago which included a request to remove PMI & Escrow. PMI was removed but no communication was received for the Escrow. I had called 3 times to inquire with no answers other than it was still in process. Finally on my last attempt I was told Escrow was tied for the life of the loan.
Consumer complaint received 2024-03-28
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. (PA)

I have reviewed my consumer credit report and the company XXXX XXXX has inaccurate information reporting on my consumer report. 
XXXX Account number XXXX stated that there is currently reporting that there is an amount due. I have contacted experience on several occasions to perform a thorough investigation and re-investigation providing accurate information. It was stated in a report that the credit bureau completed both a procedural investigation and a reinvestigation deeming the information as accurate. I have asked for proof of how this re- investigation was done and how this information was verified and was not provided with a response. 

This account was reported as charged off on the following date XX/XX/2024. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. The account failed to be investigated properly and the neglect has violated my rights. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX Under the Fair Credit Reporting act this account may not appear on my credit report if it can not be supported with proper evidence. I have asked and submitted substantial documentation to have this account removed from my credit report and that the fair credit reporting act is followed.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

currently I do not have a score on XXXX  credit bureau because TD Auto Finance reported to XXXX that I was deceased I have called XXXX to prove that I am alive they said to call TD Auto to let them know and they can not find me in there system. I have called many times with both sides not helping me this is causing problem for me to obtain any credit cards, or allowing me to purchase a home I need something to happen I need help to resolve this asap
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, 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 reached out to all three bureaus and was told to get an ftc report to help remove the inquires since it was unrecognized and unauthorized. still nothing have changed on my report, this is troubling me from moving out my mom house. 

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

On numerous occasions I have contacted all XXXX credit bureaus regarding them reporting a public record on my consumer report. After each dispute they return that the court in which the public record is being recorded has validated the account which is incorrect. I have personally contacted the local court and they have sent me proof that they do not nor have ever validated this information.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I made a payment of XXXX on a XXXX limit credit card. My credit limit was caped at XXXX. When I called, the rep told me there were a number of reasons why a payment would not be credited to the account. None of the reps I spoke with could articulate any of those reasons, nor would they provide me any of the documentation they were referring to that covered those reasons. 

I have attached the actual published agreement. Discussion with the reps indicated that there was an automatic hold placed on payments that were half or more of the the credit limit, for accounts that were younger than 6 months. They suggested that there were other similarly arbitrary, automatic, and non-reviewable rules that could result in additional payment holds, and that none of those rules could be disclosed. Nor were the representatives aware of all the rules.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NV)

On Wednesday, XX/XX/XXXX, I reached out to Discover Credit Card about expanding the dates for my 0 % APR - I was told by the representative they could not do it. I then mentioned that I wanted to discuss closing my account, and I agree to discuss it further. Then, the phone call ended. I never received a call back, voicemail, or email. The next thing I know I am logging into my account to start paying it off, and the account is closed. How is this even legal?
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TN)

I sent a letter to Diversified Consultants asking them to VALIDATE the debt that they claim I owe. I was sent a bill that not VALIDATION. I would like for Diversified Consultants/XXXX  to remove this account off my credit file. Account number XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (IN)

I am writing to file a formal complaint against I.C. System regarding their persistent reporting of a removed account on my credit report, despite multiple assurances that the account had been deleted from their records. 

On multiple occasions, I have received calls from regarding an account allegedly associated with my name. Each time, I informed them that they no longer have any account pertaining to me. In XXXX, I received an email from I.C. System confirming that they had indeed removed my account from their records. 

However, despite these assurances, I recently checked my credit report and found that I.C. System is still reporting the account in question. This discrepancy is not only causing confusion but also negatively impacting my credit score. 

I have made diligent efforts to resolve this matter with them directly, but their failure to accurately update my credit report demonstrates a lack of accountability and professionalism on their part. 

I request that the Consumer Financial Protection Bureau intervene and investigate this matter thoroughly to ensure that I.C. System complies with fair credit reporting practices and promptly removes the inaccurate information from my credit report. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Around XX/XX/2024 I received two letters from XXXX and/or LVNV about two alleged Collection accounts. On XX/XX/2024 I requested Validation, disputed it, and Asked for Purchase agreement between XXXX and XXXX XXXX XXXX On XX/XX/2024 they responded " Thank you for contacting us and sharing your concern. To assist, we will request verification of this debt from our client. XXXX XXXX or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. '' Around XX/XX/2024 no correspondence or email had been received from this alleged collection agency and collection activity had been reported to all 4 credit bureaus. A direct violating of all Collection Law. See Attachment.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

Nelnet account access issue Unable to access the site. Can not log in after multiple multiple attempts, resetting passwords, etc. Always says I am not recognized. Emailed twice, escalation promised. No response. Hours holding on the phone - unable to continue holding. Once a lady answered, when asking if I can pay over the phone she said she had no idea how to take payments over the phone. Promised someone would be calling/emailing me. Nothing.
Consumer complaint received 2024-03-28
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. (NV)

XXXX XXXX XXXX ] [ XXXX XXXX ] Re : Dispute of Personal Information, XXXX, Experian I am writing to dispute certain information on my credit report. After reviewing the report, I have identified discrepancies related to my personal data. I request that you investigate and correct these inaccuracies promptly. 
The disputed information is as follows : 1. [ Specific Inaccuracy ] : the incorrect information in detail hard inquiries, wrong address,, misspelled name ). 

Hard inquiries XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Investigate the Disputed Items : Verify the accuracy of the information with the relevant data sources. 
Provide me with evidence supporting the validity of the reported data. 
2. Correct the Errors : If the information is indeed inaccurate, promptly update my credit report to reflect the correct details. 
3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the corrections made. 
Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days of receiving this dispute letter. 
Enclosed, please find copies of relevant documents supporting my claim ( if applicable ). I appreciate your attention to this matter and expect a timely resolution. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] Remember to send this letter via certified mail with a return receipt to ensure proper documentation. Keep copies of all correspondence for your records.
Consumer complaint received 2023-08-30
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. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX XXXX  and XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2024-02-18
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. (AL)

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Those XXXX accounts are very inaccurate and need to be deleted from my report. I never authorized anybody to open a account nor give any of my information to a third party like XXXX i never sign a contract with no credit agencies so the information being reported should never be on my report by law its a violation of my consumer rights I have all the rights to keep my information private. Only if I allow it to be done publicly with written proof which I ask them for that was never provided within the period time of the investigation.
Consumer complaint received 2023-08-30
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. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.
Consumer complaint received 2024-03-28
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. (IL)

I'm extremely distressed by the credit report I recently received! This situation is completely unacceptable. It's baffling that the government allows such blatant errors that have such a severe impact on people. I'm fully prepared to hold you accountable for your poor reporting practices if you don't promptly and accurately address this issue. To my knowledge, these accounts shouldn't even be on my file, and I have no idea where you obtained them from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your dissemination of this inaccurate and incomplete information constitutes a serious breach of credit reporting laws. I require that you expunge this misleading information and furnish corrected credit profiles to all creditors who have received a copy within the last 6 months, or within the last 2 years for employment purposes. Additionally, I request the disclosure of the name, address, and telephone number of each credit grantor or other subscriber.
Consumer complaint received 2023-08-30
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-30
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. (CA)

This is XXXX of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-11-15
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. (NV)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I utilize my card to make a purchase for a resort in XXXX. Once I arrived in XXXX the resort credit offered in my reservation was not honored by the hotel instead a coupon for the hotel was offered. I disputed {$650.00} with Capital One and provided proof of the reservation but no action was taken.
Consumer complaint received 2023-08-30
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. (MT)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please remove these accounts immediately.
Consumer complaint received 2023-11-15
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. (MA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$6100.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$670.00} ; XXXX XXXXXXXX XXXX. XXXX ( Original Creditor : ) XXXX Balance : {$930.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-28
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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