davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (PA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 2023-04-24
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. (MA)

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 2018-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

XX/XX/XXXX Dear XXXX XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XX/XX/XXXX in XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
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. (FL)

I disputed errors on my credit report with Experian and XXXX, XXXX. Experian stated they could not dispute my credit so they didnt do their job and ignored my request. I never heard back from XXXX and 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: EQUIFAX, INC. (IN)

On XX/XX/2023, I noticed an inaccuracy on my credit report. I am not liable for The XXXX XXXX XXXX XXXX. This account is not mine. I did not signed into a contract with them. I have a right to privacy. Any credit reporting agency can not furnished an account without my written permission under the FCRA Laws.
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: EQUIFAX, INC. (NV)

information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Collections XXXX XXXX XXXX XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment history XXXXXXXX XXXX XXXX XXXX XXXX Contact information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (MD)

XXXX, XXXX and Experian are all reporting Incorrect information on my credit report. I called Experian today because i received a copy of my credit profile. I noticed many errors on my report. They were not able to provide me with all the information. Information is still being withheld concerning who or what agency reported certain inaccurate information. My XXXX  score has dropped as a result. I have filed a fraud alert with the FTC. I am furthermore requesting that all fraudulent information to be removed from my report. This has caused me to miss out on many financial opportunities.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is incorrectly reporting a balance of {$400.00} on a line of credit I had with them. The credit limit is {$400.00} and has been exceeded by the {$7.00}, but I personally secured {$200.00} of thw {$400.00} credit linit with my own money. Since they have reported the account as a charge off, the balance due is not {$400.00}, they should either credit the {$200.00} that I personally secured to the due {$400.00} and which correcrly leaves a balance due or return my {$200.00} I paid into or secured within the {$400.00} credit limit. Either way, the correct due balance is {$200.00} not {$400.00} for reasons I've previously mentioned. XXXX XXXX must correctly report these corrections to all three credit bureaus immediately as incorrectly reporting this account damages my credit and quality of life.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX is complaint. 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 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Requested credit line increase from Capital One Bank on XXXX 

It was denied. The reason provided in the letter : " Based on your credit lines with Capital One, your credit score isn't high enough for an increase. See the back of this letter for more details. '' Credit score shown : " XXXX Date : XXXX : XXXX XXXX XXXX XXXX The information is out-of-date and/or inaccurate and therefore, Capital One lacked sufficient basis to deny my request. 

My XXXX XXXX score is XXXX, based on a credit report from XXXX XXXX pulled XX/XX/2023. 

My XXXX XXXX score is XXXX, based on a credit report provided by XXXX XXXX XXXX XXXX ), who recently approved an increase in my credit line due to my higher credit score.

Clearly my credit score is high enough but for some reason, Capital One cherry picked the lowest score. It is unusual in light of the credit line increases granted by XXXX XXXX XXXX XXXX XXXX  ) Capital One should take the opportunity to review my request for a credit line increase based on current, not dated information. But when I called, I was not referred to any person who could give me a straight answer.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am tired of going back and forth with XXXX, XXXX, and TransUnion for the same inaccurate information on my credit report for the last 3 years!!!!! 
Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over 17 months for the same accounts below! I ask that you delete these accounts immediately and I want to get compensated for each violation as stated in 15 USC 1681N!!! These are violations and effecting my everyday life all XXXX  accounts are inaccurate as they have date of last activity different with each credit reporting agency as well as other inaccuracies as they are reporting inaccurate dates and amounts for all 3 credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all 3 bureaus. I am completely exhausted of the back and forth and am actively seeking litigation!!!
Consumer complaint received 2023-11-22
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DEBT 0, INC (TX)

I signed a contract with them on XX/XX/2023. They started debiting me from XX/XX/XXXX until XXXX and they never gave me a response and my card balances kept going up and they kept charging me without doing anything. In 7 months they did not negotiate my card balance with the bank, they debited me {$1500.00} and when I canceled with them they returned only {$860.00}. They damaged my credit irreversibly for 6 years or more by not paying or negotiating I have proof of the money debited. The company is deuda cero in XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2018-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

My student loans were transferred to Nelnet on XX/XX/XXXX.

My monthly payments immediately increased by {$300.00} even though I was still in an IBR repayment plan ( re-certification was due at the end of  XX/XX/XXXX ). Nelnet instructed me to submit a request to have my IBR plan recalculated immediately, because the IBR plan with my prior servicer was supposedly not available with Nelnet. Nelnet informed me that the review process could take 3-4 weeks. 

On XX/XX/XXXX, I submitted a complete package to XXXX XXXX and Nelnet. 

On XX/XX/XXXX, XXXX XXXX approved the request without requesting any additional information. 

On XX/XX/XXXX, Nelnet informed me that my application can not be processed because the " because the signature on the application was not a valid electronic signature. '' This statement is patently false because Nelnet accepts electronic application submitted through StudentLoans.gov, which would be electronically signed. Moreover, the IDR plan request does not prohibit electronic signatures or require a wet ink signature. 

Nelnet is deliberately delaying the re-certification process to cause borrowers to make a higher monthly payment and to generate fees via forbearance.
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2017-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UMPQUA HOLDINGS CORPORATION (OR)

Around  XXXX  we took a loan out wit h Sterling Bank  in  XXXX  Oregon. To make payments, we had to have a checking account with  Sterling Ba nk. Each month an auto payment was deposited into the checking account. After that, the money was rolled over into the loan to make payment.    Time has passed, Sterling Bank bec ame part of Umpqua Bank. For a few more years, there was no change in the initial process. A while back, I started to note {$3.00} charge for paper statements while I was receiving it electronically as well. I contacted the bank and was not able to resolve that issue.    Today   XXXX   XXXX ,  XXXX , I got into my account via online but was not able to see any information regarding the checking account or the loan. Therefore I contacted Umpqua Bank. The  Umpqua Representative questioned me about identification for security which I gave and understand.  Then the representative began to ask me specifics about the account which was why I was calling. My online bank account did not give me any information besides my personal information. She then required that I find a bank statement to provide the information. While getting the bank statement, I found a letter dated  XXXX   XXXX ,  XXXX , from Umpqua Bank. The letter ( in part ) said we have noticed you have not used your account for over 24 months. This classifies your account as dormant and therefore subject to a monthly service charge of {$5.00}.   At this point, I had my bank statement and asked about the  XXXX  dollar charge. Th e Umpqua  Representative responded that it was a federal law. I explained that it was not dormant because a not all payment went into checking, a transfer occurred to the loan and Umpqua Bank is charging 7.75 % interest on the loan. She explained that if I did not physically do anything with the account, it was therefore dormant. I asked her how this could be in a day when technology allows us to take a picture of a check. There are less and fewer bank consumers doing their banking physically. She continued to deny that the account was active and there are numerous {$3.00} charges as well as who knows how many {$5.00} charges have occurred.   At this point, I am being told by the  Umpqua Representative that my account is dormant while Umpqua Bank is making roughly {$100.00 } plus dollars and charging an additional {$3.00} along with {$5.00} each month. I find it difficult to believe that this is a law and request assistance.
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

My credit report stipulates that the credit card company noted my credit card was over the limit by XXXX. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had Amex lower my XXXX XXXX XXXX credit limit to XXXX and they imposed 2 separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of XXXX and they should be reprimanded and fined. They are all following the same pattern because they are getting away with it!
Consumer complaint received 2024-03-15
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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

( 1 ) Here the important facts : a. I was not informed of the intricate details on expiration of pricing quote. Not even once. 
b. Instead, the loan officer representing Citizens Bank informed me, that the bank is working towards waiving off the 1 percentage point even in XX/XX/2023. Provided screenshots of text messages for your reference. 
( 2 ) The Loan Officer never told me that the request of waiving off 1 percentage was denied. And had assured till the last moment of closing, that the 1 percentage point will be reimbursed. Also, on the day of closing the Loan Officer created a huge confusion regarding my loan amount. He is not reachable at all for any questions and clarifications, and it was a nightmare for us to complete our closing formalities. 
( 3 ) The Office of the Chairman is lying and hiding the facts, providing false statements about my complaint stating that the Loan Officer communicated to us, that the case was denied. 
( 4 ) This gross misrepresentation of the facts had caused a huge financial loss for me. I would expect that it is fair for the bank to take the responsibility and reimburse. 

The Loan Officer never told me that the request of waiving off 1 percentage was denied. And had assured till the last moment of closing, that the 1 percentage point will be reimbursed. Also, on the day of closing the Loan Officer created a huge confusion regarding my loan amount. He is not reachable at all, for any questions and clarifications and it was a nightmare for us to complete our closing formalities.
Consumer complaint received 2023-07-15
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. (MD)

This is 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 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 XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX Balance : {$390.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX