davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Transunion " verified '' collections with XXXX, however, I have provided proof to both XXXX and Transunion showing this is not my debt. XXXX has removed all entries on my credit reports on XXXX and XXXX, but failed to remove these entries from Transunion.
Consumer complaint received 2021-06-21
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. (LA)

I've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, previous account + collection account reporting derogatory, Re-Aged accounts, Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX  reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-09-11
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Risecredit, LLC (SC)

XXXX XXXX XXXX , XXXX is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the XXXX XXXX XXXX is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Social Security Ending In XXXX
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My credit report shows an old XXXX XXXX account # XXXX that was opened on XX/XX/XXXX with 30/60/90/120 late months after never having missed a single payment. I had a  flawless payment history. The reason for these late erroneous late payment marks are due to when I had moved my office in XX/XX/XXXX and despite updating my records with both the post office and the creditor, I never received the statements in the mail. It was n't until I noticed that I had not received anything that I contacted the creditor asking what was happening. They told me they would resend the statement and that the late fee would not apply because of the " confusion ''. However another month went by where I still had not received my statement and was forced to call in again. Furious, I called again and was told that there was no record of my previous calls! I asked if the statement could be faxed but was told that was not possible but that they would make sure to send it once again. I asked if it could be expedited since the holidays were approaching but was told that this was not possible. Sure enough the holidays came came and went, even a new year was celebrated and I had not received my my statement in the mail. I called a final time in XX/XX/XXXX and asked to speak with a supervisor. A man name " XXXX '' heard me out and apologized for the trouble, however when he confirmed the address, they still were sending to the the old address! Once again I provided the new address and finally received it in the mail early XX/XX/XXXX. I do not believe penalizing me for something outside my control is fair, especially having a flawless history.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$6500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-21
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: JPMORGAN CHASE & CO. (NJ)

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-06-21
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: SYNCHRONY FINANCIAL (NJ)

These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft SYNCB/AMAZ Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft SYNCB Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft SYNCB/LOWES Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft SYNCB/TJX DC Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-06-21
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. (AL)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one account and the inquires.
Consumer complaint received 2021-06-22
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: TRANSWORLD SYSTEMS INC (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-21
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. (NC)

Experian website will not allow me to place a security freeze on my account. When I call to place one by phone, I am told that I can't speak to a person and am only given the option to place a freeze on the website or by mail. I am not comfortable mailing the documents they are asking for, which seem to be more than is necessary.
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (FL)

Hello to whom it may concern, I paid off two collection debts with Caine & Weiner..I believe about two months ago and it's still showing and reporting on my credit. Please Help
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation (LA)

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Reason : Identity theft Please remove this from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$93.00} Reason : Identity theft Please remove this from my credit report. 
Account Name : TELERECOVERY Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$61.00} Reason : Identity theft Please remove this from my credit report.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (MO)

Please be advised that as of today as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX ( XX/XX/2022 ) XXXX ( XX/XX/2022 ) * XXXX  XXXX XXXX  XXXX ( XX/XX/2022 ) I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax the right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless they can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries. It is Equifax 's duty to accurately report information and as of now they are not doing that. I look forward to someone resolving this matter with this initial communication.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I have a number of accounts with Comenity and I have never once had an issue so this circumstance is certainly outside of what I have traditionally known to be standard. 

I have an account back by Comenity Bank for Express Retail Store. I used the card solely to ensure usage for a single item purchase. The balance at such time was {$36.00} during the same billing cycle I paid the amount listed above with a live agent on a recorded line utilizing certified funds with a debit card payment for which a confirmation was provided. 

Months after the fact I took notice that my credit limit was slashed and 1,2,3 late fees in the amount of {$90.00} were assessed to the account. They advised payment never received I provided proof of payment via mail, secure docu portal through online account manager and they reviewed recorded call to confirm it was in fact made. 

They then proceeded to state they were having significant issues with their system in the month of XX/XX/2022 and this would be immediately rectified the three late fees credited back and amount shown XXXX out immediately then credit would be restored. 

They credited the three late fees and said please allow 1 cycle to see statement updated and credit limit restored. A month later this is still showing due they added three more late feee back and then increased interest and never increased limit again. 

I advised I was filing formal grievance and their response was my account would be subject to closure or reduced limit across all Comenity banks if I filed a complaint is this the mafia?? 

Their willful negligence, billing malpractices, conduct unbecoming of what a corporation should represent and the countless manhours and undue stress associated herein with respect to something for which I should not be penalized before has become so exhausting at this point I should be compensated for my time and damages let alone account IMMEDIATELY fixed Over 11 supervisors have confirmed this was being zeroed out now they call me non stop when I call to make a payment on an account that has nothing to do with this one they go through the run down of how I owe them money which I do not in fact owe how would I like to take care of it? Then when I advise yet again of the circumstance over and over and over and over again they get an attitude and put me on a significantly long hold, hang up on me or give me the runaround. I do not owe this account my limit needs to be immediately restored to date you have fraudulently assessed {$180.00} on a {$36.00} transaction was is wrong with you? 

Thats excessive by every stretch of the imagination. I paid and I paid with live agent this has been confirmed over 20 times now it has also already been stated many times over this was being XXXX out and credit limit fixed so why am I still exhausting efforts months later? Lets move to arbitration or legal immediately Unless fixed immediately and do not ever threaten me again
Consumer complaint received 2021-06-21
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 (NY)

Fraud Claim with Bank of America To Whom it may concern, This letter is to address a claims that I have requested for appeal in XX/XX/XXXX. Back in XX/XX/XXXX, I mailed check no. XXXX for {$1200.00} to my landlord. The check was pay to the order of : XXXX XXXX XXXX, {$1200.00}, the amount of my rent with that landlord. This has been the amount beginning in XX/XX/XXXX. 

My check no. XXXX, was intercepted by someone who removed the Landlords name and added their name as the recipient of the payment. I did not make the check payable to the person that cashed it. The hand writing on the pay to is not mine handwriting. 

For this Check Fraud reason, I originally file a claim with BOF. On XX/XX/XXXX I received a bank transfer from my old BOA bank account ending XXXX, to my new account ending XXXX for the money stolen by the person who deposited and stole my check no. XXXX. At the time I was under the impression that BOA had resolved my problem but on XX/XX/XXXX BOA took back my money. 

Check no. XXXX was a personal check with my name and address that I signed and mailed to my Landlord. As per the information provided by the claims fraud specialist in the BOA location at XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX, the check was deposited on a XXXX XXXX by the person who stole my money. That recipient of my money is the person that needs to be investigated for fraud and force to return the money. 

Please take in consideration this information regarding my claim with Bank of america, for check fraud. In all fairness and as consumer of a service by BOA for many years, I do not deserve to lose my hard earned money.
Consumer complaint received 2016-09-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (IL)

I am having financial difficulty and trying to get a deferment and my lender is not allowing me to do so without paying them {$300.00} to do a deferment. A deferment does not cost money, it is a right as a consumer and they should not be charging me to do so. I have never missed a payment until recently and at a time when I most need help, they are not helping me. I received a letter from them about getting a deferment but when I called they said I could not do a deferment and the manager said I could and I received a letter. This is inconsistent and I believe they are causing further undue hardship.