davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this 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 2024-03-07
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)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you regarding the late payment ( s ) that appear on my credit report for the account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . After reviewing my credit report, I noticed that there are late payment entries for XX/XX/XXXX and XX/XX/XXXX. I am writing to request the removal of these late payments from my credit history.
Consumer complaint received 2023-06-05
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: Experian Information Solutions 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 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (FL)

For months, Navy Federal has been sending me a remittance coupon statement, as the payment for which is owed. I have recently found out that these detachable coupons sent to me as a bill, are a way of payment. I've been paying them via online because they want you to feel like it's quicker, but it's actually to distract us and not notice that these are actually checks/money orders. I mailed out my remittance coupon certified, which they received with a notarized letter attached with a list of Consumer Law codes that states a coupon is worth whatever the face value it has printed on it. Banks are redeeming the coupon with the government and receiving another payment from my trust. They are double dipping and getting paid twice.
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (LA)

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 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 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. 

This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by XXXX XXXX XXXX XXXX app thats someone accessed my info. I also filed a FTC Report. 

Any company is supposed to contact me before hand regardless if an attempt is made to try anythi g on my report. U will also see i included that on my reports and in this report as well. 

The 2 unauthorized Hard Inquiries are listed below. I even have freezes and fraud alerts on there and not sure how it still got on there. As i will show u documentation that it was blocked originally. 

Experian is blaming the creditor, the creditor is blaming Experian and I been getting the run around. Then finally they told me it woukd be deleted in the next 24-72hrs but yet its still on my report. 

Duplicate Hard Inquiries : ( XXXX XXXX XXXX )
Consumer complaint received 2022-12-22
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)

I was a victim of identity theft and have a address that doesnt belong to me on my file and a bunch of inquiries inquiries : 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  NJ XXXX
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I recently pulled my credit report, on XXXX XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, XXXX and XXXX on XXXX XXXX  and every 30 days up until present XXXX. I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When i went to get a car they pulled up my credit report and i said all these fraudulent accounts and all these inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-25
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: ENCORE CAPITAL GROUP INC. (OH)

In accordance with the Fair Credit Reporting act 15 USC 1681 section 602 gas violated my rights.

Also, USC 1021 section 604 It also states a consumer reporting agency can not furnish an account with ought my written instructions. 
Account XXXX XXXX XXXX XXXX was paid off and is not showing. I have contacted company nothing was done.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.
Consumer complaint received 2017-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc. (OH)

I 've filed disputes with Experian, XXXX and XXXX  regarding this. I sent the disputes via certified mail and verified receipt. I would like a copy of the promissary note that XXXX XXXX XXXX is claiming I signed in order to receive said loans for the following accounts # XXXX, # XXXX and account # XXXX. I received information from XXXX that the information was " verified '' and " updated ' but what are they verifying? Whatever it is I would like a hard copy of it. You cant just " update '' someones records without providing them with a copy of it. I am not just going to accept it was " verified '' WHAT WAS VERIFIED???? I 'd like a copy of it. If we had to go to Court the Judge would want to see a copy of the promissary note with my signature attached. I do n't recall any of these loans. I would like a copy of the promissary note and or any documentation proving I owe these for these accounts. It is not fair that Creditors just " update '' please provide consumers with exactly what you found that lead you to your finding in fact. A fair solution would be to remove/DISCHARGE these accounts from my credit report IF you can not provide the copies of the promissary notes with my signatures attached.
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I have been a member of XXXX XXXX XXXX for many years. Last year they offered me a credit card and I agreed. Months later I came across a bill from XXXX XXXX. I didn't even know who XXXX XXXX was. But here was a Bill for almost {$100.00}. I called them to find out why they were charging me. 

Their rep explained to me that a charge of {$40.00} was for my yearly membership at XXXX XXXX. It was taken out automatically when due. I certainly was not aware of this. They have always told me at checkout that my yearly membership was due and I would include the fee with my purchase. 

I now understood what happened but was very angry. I had a very good credit rating and received many offers for additional credit cards. So, certainly I could have received their bill and not knowing what it was, just another offer for credit, and just discarded it like all the rest. 

There was No XXXX XXXX markings. There was nothing to distinguish this as a bill. I was not expecting a bill. I explained all this to the bank rep. I was speaking to and told her that I was going to send her the {$40.00}, but she should immediately close this account. 

I immediately did pay the {$40.00} which they charged my card but they kept sending me additional bills. I went to XXXX XXXX  and explained all this to the service person there and once again instructed her to close this credit card account. She called XXXX while I waited with instructions to close this account. They continue to send me bills. 

A short while ago I received an email from XXXX. I replied to the email that as I stated previously, my wishes were to close that account immediately. 

Now, most recently, my regular bank, XXXX  XXXX XXXX which I have been with for as long as they have been in XXXX, CT and the people at that location before them. They have now just informed me that one of my cards from them, ( I have three ) they were reducing the Limit from {$1000.00} to {$500.00}. 

Now I notice my other cards have increased rates. Which they explained that my credit rating has changed and they, in essence, had to adjust because of my activity with " Their Affiliate '' Bank. I am XXXX years old and now I am awake nights thinking about this abuse. 
Having greedy banks prey on Senior Citizens is not my favorite subject. 

If not corrected very soon, I shall have no choice other than to bring a law suit. Not only against XXXX, but also against XXXX XXXX XXXX for establishing a Monopoly where this is illegal. These people have now abused the law and violated my Civil Rights. 

Thank You for Listening. Respectfully Yours, XXXX XXXX XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian, and XXXX is reporting inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name listed on my consumer report. My address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other address listed on my consumer report. Each credit bureau is listing different information other than whats correct. The below information needs to be removed immediately. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-04-10
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. (GA)

Date of Fraudulent inquiry : XX/XX/2021, Company : XXXX XXXX XXXX Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus & XXXX XXXX XXXX and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

I have been having the credit card for XXXX  insurance from comenity for a few years. Last year, I received a letter telling me that the card will discontinue. I paid my XXXX  insurance premium with the card which I am expecting 3 time rewards into my account. That is supposed to be the last statement period of the account. I did not get the rewards points at the end of the statement. I called the customer representative. They told me that they are aware of the problem and they're trying to resolve it. This XXXX, I received another letter telling me that I have until the end of this month to redeem my remaining rewards. But I still do not see my expected rewards points in my account. I still suppose they can fix this problem for me. 

Thanks
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (PA)

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 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

hello, i received a offer from chase bank for chase ink credit card which offers me 12 month of 0 % interest for any balance transfer, i did apply for it and i did get approved in couple of seconds for XXXX dollars line of credit and i received an e-mail that i have been approved, after couple of days i received my credit card with welcome package from chase, but when i called to activate my card, they told me the account has been closed.i did not even activate my account yet and account has been closed, why? i know they could close the account when ever they want. but as a consumer shouldn't i be able to know WHY???
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act. The account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : TN XXXX OF XXXX XXXX  XXXX Account # : XXXX XXXX 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 a writing 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 antedate the report for seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions LLC (SC)

XXXX XXXX XXXX is billing me Outside Networking Balance for XXXX for a service provided to my son on XX/XX/2022. After disputing this charge for a long time they went down to XXXX but I still didn't understand this high amount for the procedure that my son received ( XXXX XXXX XXXX XXXX ). I went ahead and put a claim to my Insurance company and they explained that the first bill from the hospital was submitted after almost 1 year of the service and it was denied. Because of my complains to the hospital they sent again the invoice to the insurance and they stated on a Grievance Resolution Letter that according to their chart costs the amount they aproved to pay was XXXX and I couldn't be charged more than XXXX ( that is my copayment according to The Explanation of Benefits of my policy ). The hospital seems not care about this letter, they don't let me send this letter to them and they are pushing me to pay the rest of the bill XXXX saying the Hospital was not in the Network by that time. I already submitted a claim under the No Surprises Act, because I find this action is violating the law. Now the debt is in collection handled by Receivable Solutions, LLC who also got I notification from me stating that I disagree with this debt, but they don't seem to care about my dispute with the provider. I don't want my credit to be affected and the Hospital is denying to do their due diligence and appeal the Insurance decision about what is own, they are after me personally by trying to collect the money through a debt collector
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credence Resource Management, LLC (PA)

I have called them numerous times last year to tell them my sister and dad passed away that I will no longer be able to afford my phone plan they would turn it off I shouldnt have still received a bill for my sisters since she passed. I have not been working and still going to threwapy. This was owed XX/XX/2023 and I am just now receiving a letter of amount {$910.00}