davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (NJ)

Months ago, I have sent a letter to the three credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following inquiries ASAP. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-13
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 to the Fair Credit Reporting act XXXX XXXX XXXX Account XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  Account XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 instruction.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

FTC Report XXXX I never gave written consent to any of following to report on be have. XXXX, XXXX Experian nor XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. They violating fair credit reporting act, fair debt practices act and my fifth amendments
Consumer complaint received 2023-10-13
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 received an alert that my credit report was updated. I checked Experian ( my XXXX report is fine and accurate ) and an account that I never had is now on my report re : a past due collection from earlier this year. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  don't have any accounts open XXXX XXXX XXXX apart from my credit cards. I disputed this with Experian but the fraudulent account wasn't removed from my credit report.
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

I am suffering financial hardship and having difficulty paying my bill to Comenity Bank that holds the account on my Big Lots credit account. 
Comenity Bank does not observe rule under the FDCPA of calling 7 times within a 7 day period, or once within 7 days if they have spoken with me. 
I have record in my phone of at least 4-5 phone attempts PER DAY. Today, XX/XX/23 they have made 2 attempts within a 19 minute period. 
I also recall within the last week that I spoke with someone and asked for the repeated calls to stop.
Consumer complaint received 2023-10-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CT)

We are requesting that the credit report of XXXX XXXX XXXX reflect the timely payments on his mortgage for both properties : XXXX XXXX XXXX, XXXX XXXX, Ct. and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ct. We are alerting PenFed that we plan on making our own tax payment to the City of  XXXX XXXX , Ct. no later than XX/XX/XXXXXXXX  and that they ( PenFed ) not pay the taxes prior to that date. since the taxes are not due until XX/XX/XXXXXXXX  and are late on XX/XX/XXXX. 
We are requesting that if the taxes are not paid on either property, that we be allowed to contract with the City of XXXX XXXX, Ct and make our own payment arrangements by XX/XX/XXXXXXXX   and that PenFed  not interfere with that process. We are requesting that PenFed  not make any payments on our behalf, one month before the payments are due, whether they are billed prematurely or not. We are requesting that PenFed not imply that the City of XXXX XXXX, Ct has the right/obligation or permission to enforce a tax sale for {$3400.00} in the State of Connecticut. The statutory minimum is {$15000.00} in the State of Connecticut.
Consumer complaint received 2023-10-13
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-13
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)

I am filing a complaint due to inaccurate informations on my credit report. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-09
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I previously submitted 3 complaints each detailed fraudlent inquiries on my credit report on XXXX, XXXX and transunion it hasbeen more than 30 days they have not responded with proof that these were ligitmate inquiries. I requested that they be removed and as of this complaint they still have not been removed. As a result I have been unable to secure a loan and/or other extensions of credit.
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Henley, Lotterhos & Henley, PLLC (MS)

Collection agencies can not report old debt as new. If a debt is sold or put into collections, that is legally considered a continuation of the original date. It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date. I notice that in my state after XXXX years a person can not be harassed by debt collectors for old debt and also garnishing someone pay for old debt XXXX years old debt but reporting it as it is new debt.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MN)

The Aidvantage student loan servicer will not accept extra payments directed to the principal of a loan, either by phone or online. They will only accept next month 's payment early, which does not shorten the life of the loan.
Consumer complaint received 2023-10-13
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. (AZ)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I made a XXXXXXXX XXXXt gift card available to a scammer over the phone who pretended to be from XXXX XXXX. Shortly thereafter I verified with XXXX and XXXX that the transaction was a fraud. I filed reports with XXXX, FTC, FBI & local sheriff. 

On XX/XX/XXXX I called Bank of America and told them that I had been scammed. I asked them to refuse the {XXXX}. transaction on my XXXX card used to buy the XXXXXXXX XXXXt card. They flatly refused any offer to help me. I cancelled my XXXX card with them ( XXXX ) immediately. 
Later XXXX told me they would reimburse me. XXXX XXXX XXXX  offered no explanation as to their refusal at a time I had no idea of XXXX XXXX intentions. 

Copies of the reports available upon request.
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (AR)

I was in the process of purchasing my first car. I went to XXXX XXXX to pick out car I wanted. I had to get my credit pulled and I was shock when I was told I could still purchase the car, but I was going to have a really high interest rate due to several things on my credit I should of never had. There are several things on my report I never ever applied for and I am really upset with whatever the case maybe on my report. Please remove these things off my credit.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (FL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NE)

On XX/XX/23 a AHC for {$23000.00} was sent to PNC bank in XXXX PA for an invoice received. On XX/XX/23 we contacted the XXXX about payment and discovered that it was fraud, I called my bank they made a request to return funds, I contacted local Police and the XXXX took all the info I had, also calls were made to the bank by the XXXX that was suppose to receive the fund, by the investigator and myself to report fraud. We were told it was sent to the back office to be investigated. We made multiple calls trying to find out the status but with no help.PNC took no action to put a hold on that transaction until it could be Investigated. XXXX Our bank received a NSF denial to return the funds. The scammers where given plenty of time to transfer the fund out. Now PNC is saying that nothing can or could have been done.!
Consumer complaint received 2023-10-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

I received a derogatory credit mark on my credit report for {$120.00} I owed to XXXX  in 2021 that I was never told about. I have been a XXXX  customer for years and am currently a XXXX  customer and pay on time every month. I would have gladly paid the {$120.00} if I got a notification that it was due. I never received mail an email or a call or Anything at all to let me know I needed to pay it. I spoke with the manager wanting to get the derogatory credit off my report immediately and they told me that it was not possible for another two months even after I paid the {$120.00}. This has greatly affected my credit score and I have been a loyal customer for years to XXXX  with on time payments. The attached item below is the only notification I got and it wasnt from the debt collector it was from XXXX. I had to research the debt collectors number to reach out to them and pay.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I am writing to raise a serious concern regarding a debt collection placed on my consumer report by I C SYSTEMS, I have reason to believe that they have not followed the proper protocol as outlined in the ( FDCPA ). 

I C Systems placed a debt on my consumer report WITHOUT providing me with any information to dispute the debt. I did not receive any prior communication from I C SYSTEMS regarding this debt. I only became aware of the situation when I checked my consumer report and noticed a significant drop in my credit score due to the addition of a collection account. 

I promptly request that I C SYSTEMS provide me with debt validation within the legally mandated 30-day period. I also request that additional information in be provided to me in the letter to futher validate the debt. 

I am certain, that I C SYSTEMS actions are in violation of the FDCPA. Their failure to provide the necessary information and validation of debt before placing the account into collections is deceptive collection practice. This situation not only unjustly affects me but also violates the regulations meant to protect consumers! 

I kindly request your assistance in addressing this matter and ensuring that I C SYSTEMS is held accoutable for their actions.
Consumer complaint received 2023-07-08
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. (CA)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America reported XXXX late payments on my credit report. 

Account XXXX XXXXXXXX But it's not my fault, my account was set up on XXXX Payment with my XXXX  account for the XXXX payments on this account. I recently had fraud done on my account. On XX/XX/2023 I closed down my XXXX account reports the fraud charges and opened a new account. XXXX reassured to me that everything that was set up on XXXX XXXX or XXXXXXXX XXXX XXXX  XXXX from the old account, will be automatically sent from the new bank account opened. All payments were made up to date and I am asking to please remove these XXXX late fees. This is affecting my credit report very badly and not letting me get approved for nothing else. 

Thank You, XXXX XXXX
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (UT)

On XX/XX/2023, I viewed my XXXX credit report. There was an negative credit report showing an account from Bonneville Collections. I sent them the attached file requesting debt validation on XX/XX/2023 and have a return receipt confirming receipt of XX/XX/2023. They never responded to my request for debt validation.
Consumer complaint received 2023-10-13
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I made a purchase of about {$5800.00} at Jareds at XXXX XXXX in XXXX Florida. The employee in the store suggested I use the gold card program as it had an 18 month interest and payment deferment. I questioned this program along the lines of can I wait around ten months to pay then pay it all then? and so I can pay at any point, no minimums?. The employee responded in the positive to these questions. This turned out to be untrue as I received a minimum charge the next month. Unaware and unexpected it has affected my credit and caused financial issues. I had another party return to the store to be sure there was no misunderstanding. Again the employee touted an 18 month payment and interest deferment. When questioned on the minimum payments the employee responded along the lines of oh, well I guess its not really a payment deferment. Jareds will not accept a return of the item and comenity bank will not grant an 18 month deferment as discussed. I feel I have become a victim of fraudulent misrepresentation and bait and switch tactics. I would like to resolve this out of court but will take legal action if not.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 bureausmust 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 an update 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2020-04-06
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. (AR)

I was in the process of purchasing my first car. I went to XXXX XXXX to pick out car I wanted. I had to get my credit pulled and I was shock when I was told I could still purchase the car, but I was going to have a really high interest rate due to several things on my credit I should of never had. There are several things on my report I never ever applied for and I am really upset with whatever the case maybe on my report. Please remove these things off my credit.
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV funding LLC is reporting inaccurate and unverifiable information. The account numberXXXX under reference number XXXX can not verified under personal information with LVNV funding and XXXX XXXX XXXX XXXX XXXX. I am requesting that LVNV funding LLC delete this account from my credit profile under the FRCA section 609 and 605B. Section 609 states every consumer reporting agency should be reporting accurate, verify able information to the consumer credit report. If the information is not accurate or verify able it should be deleted. XXXX XXXX from XXXX XXXX XXXX could not verify that my social matched the social they had for account ending in XXXX. Under section 605B ( a ) ( 1 ( ) 2 ) of the FCRA XXXX XXXX XXXX and LVNV funding, a consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identities as information that resulted in identity theft, not later than XXXX business days after the date of receipt by such agency of a copy of an identity theft report.