davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (NC)

I am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RentDebt Automated Collections, LLC (TX)

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-18
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: AMERICAN EXPRESS COMPANY (CA)

I have been filing and refiling a dispute with AMEX, 8 times, since early XX/XX/2023. I have a letter from AMEX dated XX/XX/XXXX stating that " We are writing to inform you this as a result of our investigation, we've credited your account [ ... ] '' This was after I sent them a photograph of a technician 's ladder and tools in my room, next to a thermostat that had been removed from the wall, with the claim the resort hadn't delivered the product as described, which was a room with air conditioning. AMEX has subsequently, repeatedly, informed me that they were reversing their decision based on the merchant 's word that " no information of lack of air conditioning was received. '' Each time AMEX writes this to me, I call in and ask the agent to look at the files, and see that I have already provided photographic proof that the merchant was informed of the air conditioning problem, the agent agrees that my photograph proves they were informed, and they reopen the dispute. Then AMEX sends me back the exact same conclusion. This was a 5 star resort in a tropical climate, I had provided a record of the daily temperature, which was never below 82f, and 90f for a high, the air condition listed in the product description was an absolute essential that was not delivered until I was finally transferred to another room. In addition to my photo, I also have another agent of the merchant responding to my XXXX  complaint, acknowledging that they have record or my faulty air conditioner.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2018-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diverse Funding Associates LLC (FL)

XXXX XXXX XXXX representative " XXXX XXXX '' has called me at work on multiple occasions. If I am not working on a specific day she will contact my workplace everyday until she reaches me. The collection agency also has my personal number for which I have cooperated with them and attempted to set up a repayment plan to resolve my debt. I have asked that they do not call my work after setting up the repayment plan and XXXX XXXX agreed that she would remove my number. This is a matter that my colleagues at work should not need to hear discussed as it is embarrassing. After submitting my verbal request XXXX XXXX continues to call my workplace stating she hasn't been able to get in touch with me by phone. I always return her calls because I feel the need to remain complaint with my current arrangement however money is tight and I missed a payment for which has resulted in the collection agency calling my workplace in addition to my personal number.
Consumer complaint received 2023-11-05
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: White Jacobs & Associates (NC)

The owner pretended like he wanted to work with me to resolve the issue at hand but in the end he decided to steal my {$990.00} dollars without providing me with the service I paid his company to perform. Please be careful when dealing with this company! I am suspect when it comes to the glowing reviews. I think the phone number they provide on their website should be looked into. Also, the company violated the Credit Repair Organizations Act ( CROA ). 

Do not hire XXXX XXXX to repair your credit! I was contacted by XXXX who convinced me to hire them to repair my credit. Days after I hired them his assistant XXXX contacted me stating that they sent my dispute letter out and they would contact me XX/XX/XXXX, to give me an update. The next day XXXX called me and said he would contact me XX/XX/XXXX. This had me wondering why was I getting XXXX different dates from people who work closely together. I then sent XXXX an email asking if they sent my dispute letters by certified mail and I also wanted a copy of the dispute letters. She responded by saying yes. XXXX weeks went by and I did not receive any notification from the credit bureaus stating disputes were opened. I then became concerned that letters were not sent out. So, I contacted XXXX requesting a copy of the certified mail receipt and dispute letters. This is the response she provided : Goodmorning Mrs. XXXX, we sent your first-round letters out on XX/XX/XXXX. We are not permitted to allow the client to have a copy of the audit letters due to copyright infringement. My apologies. 

Unfortunately, we don't send our clients the letters that we send out and we don't send out the mail receipts due to protection policy. My apologies for any inconvenience. 

I then realized I was scammed and contacted both her and XXXX making them aware of my discovery. I am in the process of contacting as many consumer protection agencies as I can so that other consumers will not lose {$990.00} for the first-time fee and then {$110.00} a month. I am so devastated because they both came across like they were really caring and concerned about helping me with repairing my credit. I wonder how they ever received glowing reviews that I assume former clients have left. Protect your money and do not hire XXXX XXXX to repair your credit. I think they were trying to keep me on the subscription for as long as possible.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Background : a verification specialist at identityguard advised me last week that for social security number XXXX XXXX XXXX ( which I have understood since XXXX to be my social security number ) the 2 main credit rating agencies -- XXXX and XXXX -- have the name XXXX XXXX as the name associated with that social security number. 
The identityguard verification specialist advised me last week that the 3rd credit rating agency, Experian, has a name OTHER THAN XXXX XXXX. XXXX associated with that social security number. 
* * * When I seek to go on experian 's website, or call its toll free number, it asks me to identify myself : I provide my social security number ( XXXX XXXX XXXX ), but when I give my name -- XXXX XXXX. XXXX -- which to the best of my knowledge and belief ( and that of XXXX and XXXX ) is associated with that social security number, the Experian system says it does not recognize me ( understandable if they have another name associated with that social security number! ), and ends my effort to communicate with them. 
Seems like the perfect 'closed loop ' to keep Experian from ever resolving this problem ( I know I could send a message to experian to a P.O. Box by 'snail mail ', but I very rarely use the U.S. mail any more : I do virtually all of my interactions using my cell 'phone and my P.C. ) : hopefully, you can use your good offices to get them to check with XXXX and XXXX, and if they have no particular reason to hold on to the different name they have associated with my social security number, hopefully they will correct their file to be in conformity with what XXXX and XXXX have! 
* * * Thanks very much for your help in this, and bringing this to Experian 's attention for their consideration. 
With appreciation, XXXX XXXX. XXXX ( d.o.b. XX/XX/XXXX ), who believes his social security number is -- in fact -- XXXX XXXX XXXX.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have repeatedly disputed the items below but get XXXX resolution from Equifax. Not sure but do I need to sue them to get resolution to what the Fair Credit Act says I'm entitled to? Just wondering. The issues are as follows and better outlined as attached. 

1. outdated addresses still remain on my report 2. outdated accounts that are past expiration still remain on my my report 3. inaccurate info not corrected or removed per the law on XXXX. The info conflicts with another credit reporting agency.
Consumer complaint received 2023-08-08
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. (DE)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

I was late on a payment in XX/XX/XXXX on my American Express card. They raised the rate to a " Penalty APR '' of 29.99 %. It won't automatically decrease to the typical rate around 17 %. I was late again in XX/XX/XXXX and they are saying they won't even consider dropping the rate for another month - and only then I must show " stability ''.

I've been with them since XX/XX/XXXX. I'm struggling financially and last month was charged {$1100.00} in interest.

How is it possible a rate can be jacked up so high on a late payment.
Consumer complaint received 2023-09-27
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have disputed the attached accounts stating that they are unknown and suspicious. I was never provided with proof that these accounts are mine. There was no investagation completed. The accounts are inaccurately reported and this was explained to each bureau. The accounts were never updated so there is no way there was an investigation that took place. How can a collection account have a balance owed or a past due balance? Since the attached accounts are inaccurate and were never investagated there is no possible way to confirm that these accounts and debt are actually mine because the information is inaccurate. There is way to much fraud and scamming taking place and I need to be able to accuratley confirm the information that is being reported on my credit report because I do not recognize the attached accounts. This is hurting my reputation and these inaccurate accounts need to be removed immediately.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NV)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (FL)

I have disputed multiple things on my Credit app`to no avail I request my original signature and to see the documents signed but the three Experian. XXXX andtransunion and none of the have proven anything I'm at the 2 year mark and nothing has been proven or fixed
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

RE : Comenity - Bealls Outlet First call I received from Comenity today telling me I was past due. I informed them that they were taking auto payments each month. They told me that started in XXXX and stopped in XXXX. I would have to go into my on-line account and set up further auto payments. I was never advised of this change and I did not request it. I feel they are simply trying to earn late fees! She advised she would mark my record that I had been advised of the delinquent account. I insisted that she also mark the account that I strongly disagreed. 

I made a second call to Comenity when I had my file available. XXXX, Employee # XXXX, advised my auto payments started in XXXX. She said there was no record of calls prior to today. However, it was by phone that I originally set up auto pay with Comenity. 

Comenity made auto payments of {$87.00} XXXX, XXXX, XXXX, XXXX, XXXX ; but in XXXX when the remaining balance was only {$87.00} they only auto paid {$59.00}??? If they had made scheduled {$87.00} payment in XXXX. towards final balance of {$87.00}, the balance would basically be paid. I feel they shorted the payment on purpose. Then when I received a bill for XXXXfor {$29.00}, I naturally assumed they would auto pay since I had never been told they cancelled auto pay. Again, trying to earn late fees! 

I paid the {$29.00} balance over the phone with XXXX. I told here I expected my balance to be cleared. She said she could only offer me {$15.00} off late fees. I told her expected the balance cleared, so she said if I didn't want {$15.00} credit she wouldn't issue. I told her to give me the {$15.00} plus clear my balance.
Consumer complaint received 2023-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Started a dispute with Transunion on XX/XX/2023 and was completed on XX/XX/2023, file id XXXX. Results state investigation and not reinvestigation. Results show XXXX item was deleted. Remaining items show in capital letters " VERIFIED AS ACCURATE ''. I have not received correspondence from investigation methods within 5 days of completion. Items on report are still inaccurate. Transunion is still out of compliance with federal law. Items must be deleted.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to ask that you please review your records for me and make any necessary corrections. I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date, and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. The only name I go by is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. The only residence I reside at is : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX. Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (TX)

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

The letters are stated with items and issues.

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 2023-07-19
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: Experian Information Solutions Inc. (IA)

Please see attached documentation as it details my issues and dispute with Experian. I will attach my ID so that you don't send me that stall letter asking if a credit repair company is assisting me. This is me sending my own dispute and complaint. Please help me with this.
Consumer complaint received 2023-08-08
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. (OH)

MY third dispute there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -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