davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (FL)

I received a letter from FCBS, Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, Ref # XXXX, requesting that I dispute an assumed debt of {$2300.00}. 

I responded to them within the 30 days limit timeframe with a debt validation request letter. To this date they have not responded, but the assumed debt continue to shows up on my credit report as a derogatory item.
Consumer complaint received 2023-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (AZ)

I received a phone call on XX/XX/XXXX  from a debt collector called Credit Systems International Inc. for a {$89.00} bill from XXXX XXXX. I have never received written notification from this debt collector and I am requesting they stop calling me. Debts under {$500.00} are also not to be reported to the credit bureaus.
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. (NV)

XXXX 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. 
XXXX XXXXXXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights. 


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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (SC)

OK. So this is a bit of a long story, but I am sick of being raked over coals. 

I have 2 payments that were supposedly " missed '' and I will dispute them to heaven and back because I always pay my debts on autopay. 

One is with TRUIST bank, a loan I have through them, that withdrew money through my account with them. They said I missed a payment and knocked my credit score down XXXX points. 
My own bank, which withdrew every other payment except the last one, which they reported as late which is XXXX. 

XXXX did this as well and when I got a restoration of some credit, it was nowhere near the XXXX points it dropped me. 

I had excellent credit. My balances routinely look maxed when they were not now because of how lenders work. 

The lender tells me to contact the bureaus, the bureaus tell me to contact the lenders. 
No one will help me, and I feel that I am being treated unjustly. 

I have hard inquiries on my report now because I am trying to lower all my balances. No one will take someone with a below XXXX score. 
So yeah.. Dropped credit limits, which lower score, which lower limits, which lower score is just not going to cut it for me. 

They couldn't possibly be wrong.. It has to be that I am a bum who doesn't pay my bills. 
I make {$74000.00} a year but since I've been getting circular whammied over and over, it doesn't even matter because I have had to kick so much debt around. 

Lenders, credit reporters, dispute handlers, are all useless and none want to restore me to what my credit was. 

I can not stop it from being bad because of the balances looking maxed out, and these people making mistakes they blame on me. I will dispute this over and over again because I've been wronged. 
It's like they know regular people can't lawyer up, but I could put them on TV.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent accounts and inquiries appearing on my credit report. XXXX. XXXX {$10000.00} XXXX XXXX {$10000.00}
Consumer complaint received 2024-03-29
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. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Credit profile mismatched and keeps changing personal information that does not belong to me. I have enclosed a notarized affidavit of identity so that my name is shown correctly on my credit profile XXXX XXXX XXXX Please update all bureaus
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CDS Debt Relief, LLC (IL)

I been In contact with company regarding a refund and I have not recieve it. They took a payment on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX and on XX/XX/XXXX for XXXX. Please help me.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

A man messaged me on XXXX trying to send me {$2000.00} through cashapp and the link he sent me requires a {$70.00} payment in order to accept the transaction which is not a cashapp authorized payment. It would just be me sending {$70.00} and never receiving the {$2000.00}. Ultimately resulting in a loss for me.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

In accordance with the fair credit reporting act this creditor MOHELA/DEPT OF ED ACCOUNT # XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Update the account to Paid on time and never late Or Delete The Late Payments. 
I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : MOHELA/ DEPT OF ED ... ... ... ACCOUNT # XXXX Your company is in clear violation of the law. Under XXXX5 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
XXXX XXXX | XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

On XX/XX/2022 I had {$470.00} in XXXX transactions stolen from my cash app account and when I tried to tell the cash app support team about the transactions not being authorized by myself they told me that I authorized the transactions and they were not going to return my money. That was my rent and my food for myself and my wife who is XXXX XXXX
Consumer complaint received 2023-12-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ENOVA INTERNATIONAL, INC. (MO)

This National Net Lender ( XXXX ) without any input from me, EVER... ..simply deposited {$600.00} into my XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX and then on XXXX withdrew {$170.00} ... ... ... ... ...... again, I never applied for any loan... ..with any company ever. This is a small savings account at XXXX  XXXX XXXX ...... 

I tried calling XXXX XXXX XXXX ( XXXX ) and was put on hold and then when I finally connected with a person ... ... the line was cut off ... ..this happened XXXX times ... .... 

XXXX has since tried to debit my savings account. The bank has rejected the withdrawal attempt but XXXX continues to try to make withdrawals. XXXX  XXXX XXXX refunded the original {$600.00} and gave me credit for the {$170.00} ...... BUT XXXX DOES NOT STOP TRYING TO DEBIT MY ACCOUNT ...... 

THIS COMPANY IS OUTRAGEOUS... .You just got a judgement against them and yet XXXX continues to access personal bank accounts without any permission. How does the company get our bank account numbers in the first place? ......
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (FL)

Harley Davidson of XXXX on XXXX XXXX, had simply forgot to take off my maintenance package for my bike, which was not able to be fixed, because the insurance company refused to pay for the estimate Harley made on a dented motor. 
Harley was charging XXXX, and when XXXX claimed the bike totaled, I was left making payments on a maintenance package for over 6 months. The maintenance package contract was supposed to be labeled as breached, and subsequently terminated, due to the fact that I couldnt get a service for a bike that was no longer in my possession. 
The Harley Davidson company has apologized, and has claimed to strike the maintenance package payments off the record, but I do not see that in my credit report. 

My credit report says that I owe them XXXX dollars, plus interest every month. It also stated that I have been late on my bike payments. These claims are destroying my credibility. 
I can not get a financed a car or a bike, due to their false claims.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Esperian is reporting false and inaccurate information on my credit report i I request a credit report from esperian and notice discrepancies. Eventhough XXXX has removed such inaccurate infor esperian refuses to and also refuses to supply me with documentation of proof of such accounts such accounts as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I never authorized
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

I have called this company everyday for the last XXXX weeks and sat on hold for over three hours almost every time. I tried emailing and the response they sent said to call that they are not accepting emails. Its been almost a month since I made a payment and they have not updated my account to reflect my payment. Im pretty sure no one actually works for them and the phone number theyve provided is fake.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2023-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I opened a new account with Citizens Bank in XX/XX/XXXX to take advantage of a " new account bonus '' being offered. The terms of the promotion only required that I make at least XXXX direct deposit within 60 days of {$500.00} or more ( this was done on XX/XX/XXXX ) and keep my account in good standing at time of payout. The bonus was to be paid out by XX/XX/XXXX. 

Anticipating the bonus, I logged into my account on XX/XX/XXXX to find that an automatic transaction on XX/XX/XXXX had brought my account negative - {$4.00}. Usually, I receive an email alert if my account is overdrawn, allowing me to take advantage of their " peace of mind '' feature to avoid overdraft fees ( I've attached a sample of one such email to this message ). In this case, I did not receive any notices and had no way of knowing my account was negative until I logged into my account on XX/XX/XXXX. 

Naturally, this was on a Saturday and on a holiday weekend, and on top of that there are no Citizens Bank branches in my state. My ONLY recourse to bring my account to a positive balance, was to utilize XXXX XXXX to make an instant deposit to my debit card. I transferred {$6.00} which brought my account up to {$2.00}. I verified that my account balance was positive, and even purchased a small snack for {$1.00} since I had the funds available. 

When no bonuses were applied to my account, I contact Citizens bank when they reopened on XX/XX/XXXX and spoke with a " XXXX '' in the department that handles promotions. He told me that the INSTANT deposit I made on XX/XX/XXXX was showing a date of XX/XX/XXXX, and therefore my account was ineligible for the promotion. This is absolutely false, as I used EVERY reasonable tool at my disposal, after hours on a holiday weekend, to make this deposit. As it was tied to my debit card, I know for a fact they can view the actual transaction date and time in real-time. But because their system is designed to ( apparently ) only post debit card credits on business days, they are telling me I did not make the deposit in time. When was I supposed to make it?? WHERE was I supposed to make it??? 

This is beyond reasonable and I believe Citizens Bank should be held responsible for their faulty system. An instant deposit is just that - INSTANT. It makes absolutely no sense for my deposit of {$6.00} to take three full days to " post '' to my account. In fact, I've used this very method multiple times to make deposits in time to avoid overdraft fees as part of their " peace of mind '' feature. 

Citizens Bank is defrauding its customers by luring them into opening accounts as part of a promotion, only to use absolutely ridiculous reasoning for denying the promotional payout. Citizens Bank should have been able to see that I did EVERYTHING in my power to bring my account to a positive balance, when all of their offices were closed for the holiday weekend. To still assert that my account was in a " bad '' standing is simply false.
Consumer complaint received 2024-03-29
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. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
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: EQUIFAX, INC. (FL)

On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 


I haven't given these accounts written permission to furnish these accounts on my credit report as well
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 


I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-03-29
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. (NY)

I am writing to bring to your attention the discovery of fraudulent accounts on my recent credit report. It has come to my attention that these erroneous entries are adversely impacting my creditworthiness and impeding my ability to access credit facilities. Therefore, I kindly request the immediate removal of these accounts from my credit report. 

Attached is a copy of my identification and sworn affidavit to ensure my identity.
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2024-03-29
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)

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.

has violated my rights. Or a 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.