davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have a master card issued by the Bank of America, that I have been using over 15 years since XX/XX/XXXX. Throughout those many years, I never missed a payment each month while using the card. With a good performance in use and timely payments, the card 's total credit line was quickly increased to {$38000.00} and kept at that level until recently. 

It was just months ago in XX/XX/XXXX that, without an explanation, the Bank of America first time in 15 years reduced my card credit line to {$37000.00}. Then, suddenly last week, the Bank of America, again without any explanation ( not even a notice! ) cut down my credit line to one-seventh down to {$5700.00}. I was shocked to find such a drastic reduction. Furthermore, there was no reason that I could think of or provided by the Bank of America. 

I happened to find that sudden, shocking reduction of my credit line by the Bank of America when I logged on to its website on XX/XX/XXXX for online banking. Upon finding, I called the Bank of America and was told by its representative that the cutdown of my credit line was made as of XX/XX/XXXX. When I demanded a reason or explanation, he had no idea. After making a long pause with the phone line on hold, he came back and told me simply to call TransUnion. That was it. When I asked him whether a letter or notification was ever sent out to me about the matter, he initially said no, then changed to yes. But, later, he admitted that there was no letter or notification sent to me regarding the matter. To date, XX/XX/XXXX, I have not received a letter or any form of communication by the Bank of America regarding its drastic cut-down of my card credit line. 

As suggested by the representative, I reviewed my latest credit report by TransUnion later but found no change, other than the Bank of America 's incorrect reporting on my mortgage payments made to it, which is listed as " adverse account '' as the result. The Bank of America also made incorrect reporting on my monthly payments to its credit card. 

This is an unacceptable business practice and abuse of power by the Bank of America over small customers like me. Its unjustifiable, sudden, drastic cut-down of my card credit line has already caused some damages to me. It also negatively affects my credit scores by credit agencies, which will have negative ripple impacts over time. The Bank of America should be responsible for all the finanical damage and emotional distress it has caused with its unjustifiable, sudden, drastic reduction of my card credit line. 

I can provide any documents related to my statements above.
Consumer complaint received 2023-05-10
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. (LA)

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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX ( This information is incorrect ) Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX ( This information is incorrect ) Account # XXXX XXXX  ( This information is incorrect ) Account # 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
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

I have a few accounts with Synchrony and my Walmart card, amazon card, 76 cars and a few other accounts without notice have had my credit limit decreased for no resin at all. I have made my payments on my accounts and they did this. 
I 'm dealing with my husband since he is severely sick with XXXX XXXX XXXX computer and this has put additional stress on me when I have tried my hardest to keep all my accounts current.
Consumer complaint received 2024-04-11
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)

Greetings CFPB! 

I hope all is well. I filed two complaints ( Complaint # XXXX and Complaint # XXXX ) with CFPB, against XXXX, Experian, XXXX, and XXXX to dispute inaccurate consumer report entries and demand that all entry accounts be removed from all three ( 3 ) consumer reporting agencies. 

To ensure accurate information is reported, I received current consumer reports from Experian, XXXX, and XXXX ; reports generated between XXXX and XXXX, 2024. Upon my review of each report, I noticed that the accounts for XXXX XXXX XXXXXXXX were removed from XXXX and XXXX ; yet, still exist on my Experian report. 

XXXX reported inaccurate information to all three consumer reporting agencies, and those agencies did not perform its due diligence or quality review to ensure pure accurate information was reported by XXXX. Their actions violate 15 U.S. Code 1681 ( a ) ( b ). 

Experian, XXXX, and XXXX are regulated by the laws of the Fair Credit Reporting Act ( FCRA ) and currently, XXXX  ( XXXX ) XXXX accounts were not removed by XXXX and Experian, a direct violation of FCRA ; willful non-compliance, per 15 U.S. Code 1681n ( a ) and 15 U.S. Code 1681o. 

Consumers lives are controlled by some aspect of what our background stories reveal and our credit worthiness, a term that is not defined by any code, statute, regulation, policy, or rule. However, businesses and every consumer reporting agency that exist are intentionally not abiding by codes, statutes, regulations, policies, or rules that protect consumers, like myself. Their intent to negatively impact consumers and not comply with laws that have been put in place, MUST be held accountable for their actions. 

I ask CFPB to review the two prior complaints ( mentioned above ) and re-investigate XXXX and Experians non-compliance to remove all XXXX entries from the Experian report because of the inaccurate information. I also seek the maximum fine for damages incurred ; actual and punitive. See attached, copies of the XXXX ( XXXX ) accounts that still exist on my Experian report. Invoices will be provided to XXXX, Experian, and XXXX XXXX XXXX, XXXX. ( Experian XXXX XXXX ).
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (WA)

I had a phone conversation with a representative from a credit collection agency : XXXX XXXX XXXX XXXX Representative Commercial Division Radius Global Solutions LLC XXXX : XXXX Fax : XXXX XXXX www.radiusgs.com This individual broadcast the collection of debt throughout the entire corporation and to outside business that have zero responsibilities, authority, or knowledge of the circumstances and lack of performance by Salesforce XXXX 
During our conversation without my knowledge or permission. The representative did not disclose that he was from a collection agency or that the purpose of the call was to collect a debt. The conversation quickly turned hostile, with the representative using an abusive tone and refusing to allow me to explain the circumstances surrounding the failed delivery of services. Despite the lack of implementation of services and features, the agency continued to bill for them. 
I have numerous emails supporting the abusive behavior and tone, and the {$27000.00} plus amount that this individual said is owned. 
I am writing to file a formal complaint against [ Collection Agency Name ] for their conduct during a debt collection process. On [ date ], I had a phone conversation with [ Collection Agency Representative Name ], during which they recorded our conversation without my knowledge or consent. Additionally, [ Collection Agency Representative Name ] used abusive and condescending language and tone, and lied about the circumstances of the debt. 

Furthermore, this individual did not provide me with an opportunity to communicate that payment had been withheld due to the failure of XXXX to deliver promised features and services, as well as the lack of follow-through. I have also been billed more by their recommended service providers without receiving the promised inservices. 

I believe that [ this company has violated several state and federal laws, .request that you investigate this matter and take appropriate action against XXXX and Radius. 

Please let me know if you require any further information or documentation from me regarding this complaint. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
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)

In accordance with the Fair Credit Reporting Act TransunionXXXX XXXX XXXXiolated my rights under 15 Usc 1681 section 602 A. States I have the right to privacy. 15 Usc 1681 section 604 A. section 2 Also states a consumer reporting agency can not furnish a account without my written instructions please help me with this matter as soon as possible thank you
Consumer complaint received 2024-07-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (OH)

I am a XXXX XXXX XXXX XXXX XXXX member, I went to XXXX my loans are commercial XXXX loans. I have had the loans since XXXX was paying on then until XXXX when they put me in forberance. They recently paid off my Loans. Due to the law suit, however they refuse to refund me over {$20000.00}, I never used my degree as XXXX misrepresented themselves in helping me get a job in my field. The degree is useless. I paid out all that money for nothing, When you pay for goods you expect to be able to have use of these goods. XXXX is on the list of schools of Misconduct and therefore I should be entitled to a full refund. I recently read that Navient is paying back private loans. My loans are commercial XXXX loans and backed by the Federal government. Therefore, I also should be allowed a refund for a school that mislead me. I was paying on my loan for over 18 years, with some forbarence in there. It is wrong for Having to be paying back some loans from misconduct schools and not all. I am great full the loans are Gone off Navient and the student loan website, but I am out all the money I paid with nothing to show for it.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX  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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (TX)

In accordance of of the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have a right to privacy and 15 usc 1681 section 604 a section 2 states that a furnisher can not report a account without my written instructions under 15 usc 1666b a creditor can not treat a payment under a open credit account as late for any poupose
Consumer complaint received 2023-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

I was reached out to by XXXX XXXX, on XX/XX/2023 through a written letter. The letter said I owed {$1400.00} to the company. However, I have no affiliation with XXXX, and when I called Customer Service, the account number mentioned in the letter was not recognized by the system. 

I received a text message from XXXX XXXX on XX/XX/2023, and on XX/XX/2023 about collecting the debt. 

When I checked by credit score on XXXX there is no mention of this debt, which is why I believe this debt is fraudulent or someone has possibly stolen my identity. 

I sent a letter to XXXX and XXXX XXXX. I will also be filing a complaint with the XXXX  XXXX XXXX.
Consumer complaint received 2023-05-02
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. (CA)

My name is XXXX XXXX. My social number is XXXX I am writing to you because there is an incorrect account on my credit report. 
this account : XXXX  with XXXX # XXXX opened on XX/XX/2008 with a balance of {$1700.00} is an account I don't know about. 
I sent a remove letter several times, but it has not been remove yet and I have not been contacted, so I am sending a letter like this again. 
Please remove this incorrect collection account from my credit report.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (NY)

The XXXX XXXX  card allows customers to pay their rent by raising a check on their behalf and mailing it to their landlord. 

In order to resolve a dispute with my landlord, I need a copy of both the back and the front of my rent check from XX/XX/2022. The app only provides a copy of the front of the check, but I need to know who cashed it. 

XXXX only provides customer service for this sort of issue over email. I made my request a month ago, but still haven't got a copy of the check. Every time I follow up, I am simply told that they are working on the issue. They do not provide an estimated timeline for resolution.
Consumer complaint received 2024-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snap Recovery, Inc. (MD)

On XX/XX/2024 I contacted XXXX XXXX to tell them that I can no longer use there services because I got a new job and would now be working XXXX jobs and would not have the time of energy to commit to Pilates. I had first spoken to XXXX who said she would contact XXXX to see what she could do. That same day XXXX contacted me back and told me because I was receiving classes at a discounted rate I could not cancel my membership. I then told her that if the issue is the discount, I will be the different between the discount and normal monthly rate for the months that I was using the service at the discounted rate. XXXX then said I would have to talk to XXXX about that and that she has the discretion as to letting people cancel their membership. I then spoke to XXXX about it via text and she basically said what I was already told that she would let me cancel the membership even though I was willing to pay the difference between the discounted rate and normal monthly rate. I also told her it isnt right for me to pay for service that I am not using. I think called my bank told them what was going on and had them block XXXX from taking money from my account. The next day XXXX texted me and told me she was going to send my XXXX paid payments for the months that I have not been using the XXXX services to debt collections. I then called my bank and told them that she was threatening to take the to a debt collection agency and they said they will make a note of that. On XX/XX/XXXX I started receiving calls and texts message from snap recovery trying to collect money on behalf of XXXX for service I did not use. I count calls every day up until I believe some time after XX/XX/XXXX I sent a letter requesting they stop harrasing me and the I'm disputing the allegation that I owe said money. Today. XX/XX/2024 I got an email from my bank stating that a degragatory account by snap recovery has been had to my account. I don't want this on my account. I work hard to pay my bills and build my credit score. I don't think this is fair and that I should pay for services that im not using. I don't know what to do
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (CA)

When I received a statement in the mail from First National Bank of Omaha, I believed I made payment in full. I made a full payment of {$1400.00} before the due date in XX/XX/2018. According to the terms, if I make full payment there should be no accruing interest in the next months billing period because there is no balance forward to charge additional interest. 
On XX/XX/2018, I called them and spoke with XXXX. He told me that Frist National Bank of Omaha may charge the interest because of how it reads on the back of my statement. I disagreed and asked to speak with his supervisor. Supervisor, XXXX got on the phone and supported XXXX statement. There is a section of HOW TO AVOID PAYING INTEREST ON PURCHASES. I meet this criteria. However, XXXX and XXXX only cared to listen to how they may charge me and not that I paid the balance in full and I met this criteria. Can credit card companies and/or financial institutions charge future interest on a XXXX  balance or a balance in the past when you have made full payment before the due date?
Consumer complaint received 2024-07-20
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. (NY)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE