davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (PA)

ON XXXX, I disputed this account with experian and asked to company to validate, not verify the account They did not Therefor I want this removed from all the credit agencies
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (WA)

I had asked for a credit increase to my amazon store card back in XXXX that was denied. My credit limit then was XXXX XXXX In XXXX I was notified by XXXX XXXX that this account had reduced my credit line impacting me negatively. It also made sense when I looked into it knowing i had transactions on XXXX declined because again that credit line had been reduced. 

I contacted synchrony which provided me as evidence my XX/XX/XXXX letter of the denial for my limit increase. They have yet to provide any letter or proof of that notification. I have asked why i was notified my my credit monitoring service, and for an increase back to my original credit line. Changes like this impacted me negatively by both making my credit utilization to almost 100 % on that line, while leaving me to improperly plan expenses. This should never happen and they should address concerns like this more accurately.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need to document this grumbling to TRANSUNION. I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its north of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance.
Consumer complaint received 2023-02-08
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. (IN)

First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the metro 2 software. If this account is not removed, when this is taken to court I will make sure I receive my { {$1000.00} } per violation. *I have sent verification after verification Identifying myself and they keep sending me letters prolonging the process asking for the same thing.
Consumer complaint received 2021-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (CA)

Dear XXXX, I am writing to formally lodge a complaint against XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, and their associated debt collector, Allied Interstate LLC XXXX for their handling of my account and subsequent credit reporting and collection activities that I believe to be erroneous and unjust. 

In XX/XX/year>, I suffered significant property damage due to a known leak in the XXXX XXXX facility, resulting in a total loss of my personal property valued at approximately {$20000.00}. Despite settling an insurance claim for a portion of the value, I decided to terminate my storage rental agreement given the complete destruction caused by the facility 's neglect. I received a move-out notice confirming my balance was XXXX on XX/XX/year>. Contrary to this confirmation, XXXX XXXX proceeded to erroneously charge my credit card on XX/XX/year>. Subsequent to resolving this issue with XXXX XXXX directly, I was assured of a refund and proper account closure. 

Unexpectedly, I later discovered that XXXX XXXX illegally continued to accrue charges on my account, unbeknownst to me and my account was sent to collections by Allied Interstate LLC, who has since reported this debt to credit bureaus, severely impacting my XXXX XXXX and financial standing. This has directly resulted in my inability to secure a business loan, amplifying my financial distress. 

I have made several attempts to resolve this issue with both XXXX XXXX and Allied Interstate LLC but have encountered repeated obstacles that have prevented the resolution of this matter. It is evident that there has been a significant oversight and intentional mismanagement of my account details, leading to wrongful debt collection and credit reporting. 

I am seeking the CFPBs assistance to investigate this matter thoroughly and to help rectify the incorrect information that has been reported to the credit bureaus. It is crucial that my credit report reflects the factual status of my account and that any wrongful collections activities are ceased immediately. 

Enclosed are copies of all relevant documents, including correspondence with XXXX XXXX, the cancellation confirmation, and notices from Allied Interstate LLC. 

Thank you for your attention to this urgent matter. I trust that the CFPB will address this issue promptly and uphold the consumer protection standards that are crucial for individual financial security. 

Sincerely,
Consumer complaint received 2024-04-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (TN)

A loan account by XXXX XXXX has either been fraudulently opened and inaccurately reported on my credit report. I have never had a loan or even opened an account with XXXX XXXX. The collection is for the amount of {$420.00} and is being reported by a debt collection agency called Credit Corp Solution. I have no knowledge of this account and need it removed from all three credit bureaus. This fraudulently opened/reported account is negatively and unfairly effecting my XXXX XXXX.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Comenity website for all three of my store cards XXXX XXXX  XXXX, XXXX, and XXXX XXXX ) have been down for months. I know I have credit on these accounts and Im unable to use them. Im also unable to pay my bill. When I call the customer service line, Im met with poor customer service after waiting an hour and then Im either hung up on or they can not help me at all. Im getting late fees because of this. My credit score is dropping over something completely out of my control. This is ridiculous
Consumer complaint received 2023-05-15
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. (NY)

I have been a victim of identity theft my name was used to open a fraudulent bank loan. This loan is from XXXX XXXX XXXX which took place XX/XX/XXXX. The account number is XXXX. I have took legal action on this account and as of XX/XX/XXXX a judge has vacated this account. Im attaching my license & I will be attaching the Certificate of Deposition Of Judgement to this down below.
Consumer complaint received 2023-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (CA)

MY IDENTITY WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE AND BLOCK THESE ACCOUNTS FROM MY CREDIT REPORT. I HAVE REQUESTING IN WRITING MULTIPLE TIMES.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX my score was dropped by XXXX points. I havent opened any new accounts, havent closed any, have never ever been late on any payments whatsoever. Contacted credit reporting agencies, they had no idea why.. ever since I signed up for XXXX XXXX with my XXXX a count, funky stuff keeps happening. They lowered my credit score by XXXX points out of nowhere just a few months ago. 
Not sure who is reporting wrong information. The previous drop was corrected, not sure where this XXXX point drop is coming from. XXXX XXXX is such a FRAUD
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SECURITY FINANCE CORP (TX)

The company put a hard inquiry on my credit and is trying to deny me credit based off of my credit history. 

The customer service rep stated that it was because of me owing child support. 

Call made XX/XX/2023 @ XXXX XXXX
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (OK)

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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

Account name : Child Support Enforcement # XXXX, Account name : XXXX # XXXX, Account name : XXXX # 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 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 2019-12-04
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: Bridgecrest Acceptance Corporation (GA)

I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX   without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a violent car jacking in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted
Consumer complaint received 2023-07-10
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. (GA)

The timeshare company called me to ask if I would like to put my timeshare into deferment. I agreed, and I thought that is what I signed up for, but a few months later, They reported the 2 payments as a default instead of deferment. I am unsure if it was a mistake, but I would like this fixed. I have been denied credit and I am very upset! I fight hard to eep my credit in good standing, so for this to happen, it is truly disappointing.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (HI)

I participated in the XXXX  relief program were the payment was stopped for a duration and we were given a loan modification to get back on track, we received a letter that it was not approved. We are trying to pay and we have the financials to pay but having difficulties establishing that process.
Consumer complaint received 2017-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CA)

I logged in online to pay my student loan and the website will NOT let me make a payment without giving them more personal information about myself. They now want my citizenship status and employment information and I do NOT want to give this information. I just want to pay my loan online as usual. 

So I want my login unblocked and to allow me to pay my loan like I always do. The online login will not let me access anything, no personal information, no inbox messages, no account summary, nothing. I feel demanding this personal information is way too intrusive.
Consumer complaint received 2023-06-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Urgent Removal of Inaccurate Debt from Credit Report Pursuant to Applicable Laws Dear Sir/Madam, I am writing to dispute an erroneous debt that has been reported on my credit file, which I believe is in violation of relevant laws and regulations. After a careful review of my credit report, I have identified a debt that does not belong to me, and I kindly request your immediate action to rectify this inaccurate information by removing it from my credit report. 

I would like to bring your attention to the following details regarding the incorrect debt : Creditor : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$5500.00} Date of Inclusion : XX/XX/2022 Please also remove all unrelated Address 's and Phone # 's other than the heading. 

As per my understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, outdated, or does not belong to me. Furthermore, the FCRA requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute notice and remove any inaccuracies promptly. 

Therefore, I request the following actions from your end : Conduct a thorough investigation into the disputed debt and verify its accuracy. 
Provide proof of validation for the debt in question, including documentation that demonstrates its legitimacy and ownership. 
Notify me promptly of the results of your investigation within the legally mandated 30-day timeframe.

If it is determined that the debt is invalid or inaccurately reported, remove it immediately from my credit report. 
Furnish me with an updated and corrected copy of my credit report reflecting the removal of the incorrect debt. 
Please note that the presence of this inaccurate debt on my credit report has adversely affected my creditworthiness, causing undue harm and potential financial repercussions. It is crucial that you take prompt action to address this matter and restore the accuracy of my credit report, in full compliance with applicable laws. 

Thank you for your immediate attention to this urgent matter. I expect a timely resolution and the removal of the inaccurate debt from my credit report, as mandated by the FDCPA and FCRA. Failure to comply with these legal obligations may result in legal action to protect my rights under these laws. 

I anticipate your cooperation and appreciate your swift action in resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-15
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. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2023-05-15
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. (NY)

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 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 2023-05-15
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. (TX)

I am sending this complaint to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. 
XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted credit corp solutions on a matter that pertains to my credit. I have been a victim of fraud. I sent credit corp solutions a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked credit corp solutions to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via XXXX certified. Removing this account from all three credit bureaus ( XXXX, XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay credit corp solutions and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe credit corp solutions. You can not because this is not my debt nor do I owe credit corp solutions anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM CREDIT CORP SOLUTIONS NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!