davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (RI)

THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIES. XXXX XXXX
Account XXXX XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX
Account XXXX XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account XXXX XXXX
Date OpeneXXXX XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccounXXXX XXXX XXXX
Date Opened XXXX XXXX XXXX  Balance 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 2023-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC (CT)

On XX/XX/29 around XXXX I received two texts claiming to be from " Glass Mountain Capital LLC XXXX. These texts can be seen in the attached. It was vague and provided a phone number and a link https : //www.glassmountaincapital.com/pay-my-bill.html I am suspicious of this correspondence for the following reasons : 1 ) The phone # provided in the text was different from the phone number that texted the message. 

2 ) I have no known overdue debts and my credit report reflects the same. 

3 ) I XXXX the name and it revealed it is a debt collector. The text made no mention of it being an attempt to collect on an alleged debt. 

4 ) As of today, Glass Mountain Capital LLC has not provided a mailed letter providing proof of a debt and may be in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-12-12
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. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2023, I logged into my Equifax credit report and notice they still have my pay history incorrect with XXXX XXXX. They keep showing for the month of XXXX I was late, however in the remarks section it shows I'm current. I was not late for my XXXX, XXXX, or XXXX payments. The XXXX payment was made with a Cashier Check, the XXXX payment was made with a direct deduction from my XXXX XXXX  Account ( 20 days before the payment was actually due ), and the XXXX payment was made with a direct deduction from my XXXX XXXX XXXX XXXX account ( XXXX  days before the scheduled payment was due ). All these payments have been made on time and the money has been successfully deducted from all my accounts. These petty mistakes and mishandling of my credit report is not only causing me problems with my credit score, but also affecting my ability to get credit.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (FL)

Greetings, On XXXX XXXX I mailed debt verification letters via USPS certified mail to XXXX, XXXX and Experian disputing reappearing deleted inaccurate collection accounts previously deleted from my credit profile.I requested that reporting agencies send proof of debt which included contracts and other compiling evidence to conduct a proper reinvestigation.Moving along, Im a XXXX veteran already dealing with day to day challenges and the reappearance of these accounts has created great burden for me and my family.
Consumer complaint received 2023-08-09
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. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

Hello, I am at least XXXX qualifying payments in toward completing the XXXX necessary for PSLF ( Public Service Loan Forgiveness ). Last year, a submitted ECF ( Employment Certification Form ), the result of which raised my qualifying payment count to XXXX. 

Recently, I submitted another ECF to update my payment count, with my expectation that I would now be around XXXX qualifying payments after it was processed. This time, I used the tool via the studentaid.gov site to trigger them to directly email my employer for information. My employer promptly followed up and completed the form electronically. 

The assessment by studentaid.gov however was that my employment reflected on the new form does not qualify. 

I am very confused and frustrated - not to mention upset. I am in the same job, with the same employer, the same number of hours worked per week as last year. Why would there be a different outcome? 

I have reached out to MOHELA, Studentaid.gov, and you, in the hope to get some clarity. In my partner 's past efforts to pursue PSLF, he found that different entities ( servicer, Dept of Ed ) would occasionally have conflicting answers or change their answer if called out for not adhering to PSLF requirements and other student loan related processes. 

Thank you for your assistance!
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my checking account in XX/XX/2022. At the time of closure I had an available balance of {$28000.00}. The bank closed my account and held on to my funds. I have tried various times to resolve this issue with the bank to no avail. The claimed I should provide evidence of two deposits that were made into my account. I have since obtained evidence for those payments but now they wont work with me to present the evidence. It is absolutely absurd that the bank thinks they have the right to hold other peoples funds and its borderline criminal
Consumer complaint received 2022-12-11
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. (CO)

An open credit account in Florida is shows on my Experian account but XXXX and XXXX.its been open since XXXX I found it but no one Experian are willing to look into it or tell me they can't find it. My credit is questionable but this account is nearly XXXX credit at need usage XXXX , % hurting my score that much more. Also there's inconsistent information when you compare Experian XXXX and XXXX.
Consumer complaint received 2022-12-11
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. (FL)

I went to the dealer to check some cars and the seller told me to check if I was pre approved, he told me he would not pull my credit, It was just a soft pull. today I checked my credit there are many inquiries that I did not authorize, I did not signed for. Equifax : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2022-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

An open credit account in Florida is shows on my XXXX account but TransUnion and XXXXits been open since XXXX I found it but no one XXXX are willing to look into it or tell me they can't find it. My credit is questionable but this account is nearly XXXX credit at need usage XXXX , % hurting my score that much more. Also there's inconsistent information when you compare XXXX TransUnion and XXXX.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681, emphasizes the crucial role of fair and accurate credit reporting in maintaining the integrity of the banking system. It unequivocally states that inaccurate credit reports directly undermine the efficiency of the banking system and erode public confidence, which is vital for its sustained operation. 

Yet, despite these clear mandates, violations of the FCRA persist, causing significant harm. When my privacy is infringed upon through unauthorized inclusion of accounts in my consumer report, it feels like a blatant disregard for my rights. After all, I should have full control over what information is disclosed about me. 

Such violations are not only a breach of trust but also tantamount to identity theft under the law. Sections 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are explicit in requiring written consent for the inclusion of any accounts. The failure to obtain such consent opens the door to civil liability, as outlined in 15 U.S. Code 1681n. 

It's deeply frustrating to think that my privacy and financial well-being are jeopardized by these lapses in compliance. Each instance of noncompliance represents a violation of my rights, for which the law allows for substantial penalties. It's high time that credit reporting agencies are held accountable for their negligent and willful actions, as the consequences extend far beyond mere inconvenience.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (KY)

account. 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 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 vears. 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
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

After relentless effort to have an entry removed from my credit report as it is IN ERROR, the Florida OFR was FINALLY able to get the company XXXX XXXX to admit their error and agree to delete from my report. In a letter dated XX/XX/18 from XXXX, a request for deletion to all 3 credit bureaus was submitted. Ironically, Equifax is the only one who has NOT removed the derogatory information, It has been almost 4 months and it still remains. I honestly believe this CRA gets a thrill or may be a kickback of some sort by NOT removing negative information albeit INACURRATE. I had previously disputed with them on several different occasions and item always came back as verified accurate. Funny that the company has admitted otherwise ...
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am victim of fraudulent abuse. XXXX XXXX Bank I did not authorized for them to do anything to my account nor credit report I did not use their money someone used my information and now im stuck with this bad credit report that I do not deserved! Im asking for this to be removed and further investigation!!
Consumer complaint received 2022-12-10
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. (TX)

Experian fails to thoroughly correct errors regarding XXXX XXXX discharge amounts. All the amounts on Experian, XXXX, and XXXX displays different amounts. In addition, also total debts from each bureaus are not the same. The previous furnishes have submitted inaccurate amounts and its been on my profile, hurting my opportunity to improve my credit scores.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft/mail fraud on XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

I used the " Pay My Provider '' application on the CareCredit.com website, a credit card managed by Synchrony Bank for a service I received on XXXX XXXX at XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. And two separate charges appeared on my credit card statement for statement closing date XX/XX/XXXX, posted on XX/XX/XXXX. One charge for {$530.00} to XXXX XXXX XXXX XXXX XXXX XXXX FL, and another charge of {$430.00} to XXXX XXXX XXXX XXXX XXXX XXXX FL. 

However, my medical provider that was supposed to be paid by Care Credit for the procedure I had says they have not received payment from care credit for the charges indicated above and I still have a balance due. 

I sent a certified letter with return receipt which was post marked on XX/XX/XXXX and per certified tracking was received at the address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX on XX/XX/XXXX. I expected to be notified in writing within 30 days of Care Credits Billing Error 's receipt of the letter that the dispute had been acknowledged BUT I WAS NOT. Furthermore, I did not receive a notice regarding the resolution to my dispute in writing or otherwise, but I was after 60 days required to continue to make minimum payments. 

I sent electronic correspondence on XX/XX/XXXX through Synchrony Bank 's message center documenting their lack of response to my dispute, along with attachments provided to my from XXXX XXXX XXXX billing department of my patient ledger of all payments made to the account for the service provided to me on XX/XX/XXXX, all of which were paid directly by me and not by Synchrony Bank Care Credit. In response I received on XX/XX/XXXX is that they would use the attachments I provided in their investigation into the dispute. I have not heard back since. 

I have reached out to both XXXX XXXX Billing department and Care Credit to resolve the payment discrepancy between themselves, but each department is pointing me to the other party. In other words Care Credit wants XXXX XXXX to call them and XXXX XXXX wants Care credit to call them. Now I still owe both XXXX XXXX and Care Credit for the same procedure I had completed on XXXX.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested for the following : Claims # XXXX Claims # XXXX Claims # XXXX I have not yet to receive any updates or provided any redress within regards to Consent Order XXXX. If this complaint will end up with every other complaints filed that Bank Of America NA ignores and repeatedly violates the law gets to walk away with it. What other means are there for consumer if CFPB fails. Bank Of America NA did not resolve anything. BOA responds with the same auto response refuse to give provisionary credit and mishandles claims and not compliant with the Law.
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: States Recovery Systems, Inc. (MI)

I was contacted by States Recovery System for a old debt. I am currently disputing the debt with them now. However, they have recently falsely reported inaccurate dates of the debt. They have re-aged the debt to have it appear to be a new account, knowing that this is a old debt. I believe this is an attempt to stop me from getting a proper accounting of the debt through my dispute process with them. This deliberate attempt by States Recovery System is illegal, I have no problem paying monies I lawfully owe, but their attempts is to bully me into paying a debt amount that has not been verified.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Every time my mortgage company sells my mortgage it reports to the credit bureaus as a closed account. My credit score drops XXXX to XXXX points every time they do this. It has happened three times this year. I contacted Trans Union to file a dispute about the fact that they are calculating my credit score based on my mortgage company involuntarily selling my mortgage to other mortgage companies. This is not my fault and should not impact my credit score. When the new mortgage reports, my scores do not go back up. Trans Union refused to consider my dispute and hung up on me.