davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Billing statement — 
Company: Atlanticus Services Corporation (MO)

Fortiva is charging me a minimum payment of {$210.00} on a balance of {$1500.00} for my XXXX Credit Card that they manage. Previous statements with balances of that amount did not have minimum payments that were this high. I have no missed payments and just made a payment of {$2500.00} to them to reduce the current balance that posted prior to the statement being generated. I called and was told that the minimum payment is based on the highest balance and NOT the current statement balance.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

According to the XXXX Website there is an outstanding balance of {$9900.00} in student loans. Previously 4 accounts consolidated into one. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/2022. In XXXX of XXXX, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my XXXX XXXX. It also appears as current balance with XXXX. I have requested explanation of this from the federal student loan department, as well as XXXX with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants
Consumer complaint received 2023-02-01
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: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Case Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-03
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (GA)

Around XX/XX/2023 I noticed that my card was charged multiple times without my knowledge or authorization. I spoke with the fraud department and let them know that my card was stolen and that I did not make the transactions on the account. A couple of the transactions were done out of the Country which I had not traveled out the country. The rep told me that they would credit my account and do their investigation. A few weeks later I received a letter stating that they did not find any errors and reversed the credit. On XX/XX/XXXX I called Navy federal and spoke with a different rep and she told me that I could put in for a 2nd review which I did. I asked them in my digital message to send me what they actually did for their review and that I am not liable for any charges that I did not do so I don't understand why they reversed the credit. A week later they reversed the credit again and now are saying that I am liable for all the charges. This is for my business credit card with Navy Federal credit union. I've been a customer with Navy for years and never had an issue. Total amount of charges {$24000.00}
Consumer complaint received 2023-07-10
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. (SC)

I disputed the referenced account above on ( XX/XX/2022 ) The credit report of ( Experian ) shows this item were deleted from my credit file. Now this item have reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions :
Consumer complaint received 2023-05-30
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. (MD)

XXXX, XXXX and XXXX have all effected my personal life by erroneously reporting information on my credit report without my written consent. As a result I have not be able to get approved for mortgage or car loans.
Consumer complaint received 2023-06-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (IL)

These are medical debts and should have been covered through public aide/government insurance. I've disputed this plenty of times and this is the only thing on my report these XXXX companies. I attached screenshots of the companies from XXXX XXXX  and you will see XXXX different scores for some reason and they have changed the name or something because the XXXX is new but I remember seeing these amounts before and I disputed and it was gone but it's back now
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

XX/XX/2023 I asked that experian fix that address on my report as it was showing 3 incorrect addresses with the way the numbers were put in an order. I told them what the address should be. They took off all addresses and now i can't pull a report with even my membership with experian. My letter was very explicit and also needed 4 inquires removed. Instead. they sent a message to my XXXX XXXX  XXXX XXXX credit card to be blocked and they closed my account. XXXX???? HOW CAN THEY DO SOMEONE THIS WAY AND I NEVER AS YOU WILL SEEE ON THE DOCUMENT ASKED FOR THAT.
Consumer complaint received 2020-12-17
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. (FL)

It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit.. 
I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my XXXX Future. 
How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit thank you
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I had sent a {$50.00} amount on XXXX which is linked to my Bank of America debit card in which I paid for a service I did not receive however on XXXX it does not allow me to dispute the payment and Bank of America said they are unable to do anything regarding the claim. The person whom of which was offering the service now refuses to offer me a refund despite numerous attempts and XXXX requests made to that account stating I would like a refund, the person also never stated that the service was non-refundable so I would like to proceed with getting my money back.
Consumer complaint received 2023-05-20
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. (GA)

I am writing to file a formal complaint against Experian, XXXX, and XXXX for their persistent violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to address the issue, the following violations have remained unresolved : XXXX. Failure to Update Paid Charge-Off : I successfully resolved a paid charge-off with XXXX XXXX XXXX  and XXXX XXXX XXXX Written documentation exists, confirming their promise to remove this charge-off from my credit report within 30 days of payment. However, it continues to be reported on my credit report, even though we have entered into the year XXXX. 
XXXX. Illegal Debt Acquisition and Pursuit : On XX/XX/XXXX, I communicated with XXXX XXXX, XXXX, a collection agency, explicitly instructing them to return the debt to the original creditor, XXXX XXXX. It is essential to note that acquiring debt and pursuing individuals without explicit consent is a violation of the law. I have no signed agreements with these collection agencies, and despite my request, they have failed to comply with returning the debt. 
As a result of their non-compliance, I am prepared to take the following actions : XXXX. File complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX, Federal Trade Commission ( FTC ), and the Attorney General. 
XXXX. Retain the services of a consumer attorney to pursue legal action. 
XXXX. File complaints against the credit bureaus for damages. 
I firmly believe that the gravity of these violations should not be underestimated, and it is crucial for [ Name of Creditor/Collection Agency ] to promptly rectify these issues. Failure to do so will leave XXXX Experian, XXXX, and XXXX no choice but to proceed with legal action and further complaints against your organization. I have attached copies of previous correspondence, including the documentation of my instruction to XXXX XXXX, XXXX. Please consider these documents as evidence supporting my complaint. 

I kindly request your prompt attention and investigation into this matter. I look forward to your assistance in resolving these violations and enforcing my rights under the FCRA.
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-12-17
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: SYNCHRONY FINANCIAL (FL)

Today, XX/XX/XXXX of XXXX, when I am reviewing my XXXX Credit Report I found an open account from " SYNCB/TJX COS DC '' for the amount of {$2500.00} that was updated on XXXX XX/XX/XXXX into my XXXX XXXX credit report. 
I don't know nothing about this account and this account do not belong to me, also why XXXX allowed that this company ( as per XXXX " SYNCB/TJX CO DC stands for T.J.Maxx Companies DC through Synchrony Bank '' ) posted this debt on my credit report.

XXXX works to support this kind of illegal / fraud scheme instead of protect our credit information, this fraud does not appear on the other company like XXXX and XXXX. 
This is not the 1st time I have problems with Experience, last year they did a mistake and after I placed a complaint in this site, they finally resolved the issue without any consequences. 
I need facts that this CC belong to me! 
Thanks
Consumer complaint received 2023-05-20
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. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( CREDIT ACCOUNT REPORTED INACCURATELY AND ERRONEOUSLY MUST BE REMOVED IMMEDIATELY ) XX/XX/XXXX
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

This complaint is a follow up to my previous complaint about this same company. This time I am going against them and their lawyers who have discriminated against me, have hung up on my calls, have denied me options for payment agreements and have affected the well-being of my family. 
I am an American citizen and as such I believe that I have rights that they have not fulfilled. 
In response to my previous complaint, they say that they have no information on any lien against me and that they have not collected any money. Lie! I have called them reading their response where they say that they will not take any further action on my account until I get my job back due to the financial hardship I am going through. 
On XX/XX/2022 my bank XXXX XXXX XXXX XXXX withheld {$490.00} by order of them, I call the bank at XXXX XXXX department and they tell me that they have the funds withheld but that they can not make a refund until they send a letter ordering it. In the calls they have told me that they have not received notification from the bank about the withheld funds ( my bank says yes ) and they say that they will continue to take action on my account to collect the debt. 
Every time I call and an associate checks my case they hang up on me. This is clearly a bad practice and discrimination because I am trying to reach an agreement with them and they ignore me, threaten me and discriminate against me.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

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 XXXX out of XXXX 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 account : XXXX XXXX  Bankruptcy Case NumbeXXXX : XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

I am trying to lift a freeze, but there has been some problems with me logging into my account. The website tells me to call Experian, but when I do, there is no way to actually get in touch with an agent. I have tried for over an hour using their website and it is literally impossible to talk to a person.
Consumer complaint received 2020-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc. (MI)

I opened this account on XX/XX/2020 for XXXX with a payment of XXXX a month.Since then, I have made my payments on time and paid back XXXX as of XXXX.On my experian credit report as of XX/XX/2020 it states under upgrade trade line that i have a balance of XXXX.I should be alot less than that.It seems like.From begginning balance to current balance on credit report the loan has only gone down XXXX.They must be charging alot interest and it will take forever to pay off.Upgrade also charged me a fee to get the loan as well.This is a rip-off.So far, upgrade has charged me XXXX in interest.
Consumer complaint received 2023-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

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 2023-05-20
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. (CA)

15 USC 1681 Section 602 states that I have the right to privacy. 
15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions. 

I am writing to dispute the following information in my credit file. On XXXX XX/XX/2023, I retrieved a copy of my credit report and discovered multiple inaccurate inquiries that I had no knowledge of. I did not apply for credit with these creditors and I have also tried to reach out to the creditors multiple times asking if they can remove the respective inquiries from my credit profile. 

If you also find that the inquiries are invalid, I am requesting that it be removed from my credit report as soon as possible. If the creditors can prove that the inquiry is indeed valid, please provide written proof and description of the investigation was conducted.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (IL)

ON XX/XX/XXXX I PAID THIS ITEM THAT WAS IN COLLECTION, I PREVIOUSLY SPOKE TO THE COLLECTION AGENCY AND HAVE EXPRESSED DOUBTS THAT I OWE THIS AMOUNT OF MONEY FOR A PHONE I PREVIOUSLY HAD. DURING THIS TIME, MY GRANDMOTHER AND GRANDFATHER WHO RAISED ME DIED IN XXXX AND XXXX RESPECTIVELY. ALSO MY AUNT DIED THIS YEAR IN XXXX, WHO I LIVED WITH AND EARNED INCOME FROM PROVIDING HER CARE. THE AGENT FROM THIS COMPANY TOLD ME SHE WOULD SEND CONFIRMATION OF THE BILL, HOWEVER I NEVER RECEIVED IT. WHEN I CALLED THEM ON XX/XX/XXXX TO PAY IT, THEY WERE RUDE AND NASTY AND SAID THEY PUT IT ON MY CREDIT REPORT ON THAT DAY. I ASKED THEMSINCE IM PAYING IT THIS DAY WHY WOULD THEY PUT IT ON AND THEY STATED THAT THEY COULD THOUGH I NEVER WAS GIVEN A CHANCE TO DISPUTE THIS ITEM