davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

Care credit closed my account in XXXX of XXXX  due to the fact that they attempted twice to pull from an auto pay account that I had set up, but I had changed bank accounts and updated it with care credit but they kept pulling from my old account. I never received any notifications of a failed attempt at paying nor did I receive any confirmation. It wasn't until late XXXX when I received a notice that the account has been closed. Then, they added multiple fees overdrawing my account taking me {$1100.00} over where I was originally charging me interest above the current interest.
Consumer complaint received 2022-05-26
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: AMERICAN EXPRESS COMPANY (CA)

I was checking my credit report about back in XXXX of 2021 and noticed that there was an open account with American Express and showed authorized user, which is an account I had no knowledge of. I only have one credit card account. On my report it shows that it had a current ongoing balance of around {$11000.00}. I would like to have this account removed from my credit report as this is not my account and I believe its possibly fraud.
Consumer complaint received 2022-05-26
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. (CA)

I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my XXXX Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2024-03-12
Product: Credit reporting 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. (NV)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-02
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. (CA)

Experian Credit Reporting Agency removed an open account with XXXX  XXXX from my Credit Report as well as the inquiry ( Hard Copy ) and refuses to resolve the issue. For 5 hours today, I have been on the phone trying to resolve the issue with them. The first agent I spoke with in the Membership Dept told me that they had not received a report from XXXX XXXX for the last 6 months. The account has only been open for 6 months so I knew she was not telling the truth. Also, I have received emails from Experian stating what a good job I'm doing with my credit payments. She then stated that she would transfer me to the Dispute Department. I was on hold for 10 minutes. I then got someone who stated he was a Supervisor for the Membership Dept and that my open account was removed due to Fraud. Stated it was a Fraudulent Account. He then stated he would transfer me to the Fraud Dept. I waited to speak with someone who asked for my personal information again and said he could only see my information if I give him my birthdate, social security number and zip code even though I have an Experian Membership. I refused because he didn't sound legitimate. I called again and got the Dispute Dept who said the same thing. She said she needed the information for a Dispute. I asked to be identified by my Membership ID or some other way and that I was told by the Membership Dept that she only needed my middle initial or name to identify me. I explained that I have been a victim of Identity Theft and Fraud and I didn't feel comfortable giving that information over the phone, but I did give her everything she asked for except my birthdate. She stated she was not able to pull up the information with anything except my birthdate. I called the Membership Dept again and spoke with someone who said he did not see anything in the records about what I had been told earlier. I asked for the Fraud Dept. He said he could transfer me to the Dispute Dept. The account has been on my Credit Report from XX/XX/XXXX until XX/XX/XXXX when I filed my first complaint. It was removed after they received the first Complaint.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I have been reaching out to IQ Data since XXXX 2016. The right of subrogation does not exist for volunteers or a stranger to the transaction. 73 AmJur 2nd, Section 90. 

I have requested validation from the company and was supplied with inaccurate and incomplete information. 

They have never been able to furnish an accurate, valid, original copy of the original contract that was signed with the original creditor.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

Lender relabeled a mortgage as a " Home Equity Installment Loan '' and are telling me that, for example, that they are applying {$730.00} for my XX/XX/2023 payment to my Outstanding Principal, yet they show on my XX/XX/2023 account statement that they only applied {$440.00} to my account principal for XX/XX/2023. 

The numbers are wrong and it was supposed to be a mortgage. The difference has amounted to more than {$15000.00} so far. T The lender is PNC BANK.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting act XXXX  Accounts DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2000.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$5500.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$4500.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX Account # XXXX. In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : Right to Privacy : As per 15 U.S.C. 1681a, I am entitled to privacy regarding my credit information. However, I have reason to believe that XXXX Account # XXXX has mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed. 

Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604, a consumer reporting agency such as XXXX Account # XXXX is prohibited from furnishing credit information without my written instructions. It has come to my attention that XXXX has reported information about my account without obtaining such instructions from me, thereby violating this section of the FCRA. 

I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX Account # XXXX to ensure compliance with the FCRA XXXX 

Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with XXXX Account # XXXX, and any other pertinent information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent bankruptcy in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of item which does not belong to me or was opened without my permission. 

XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

What happened on XX/XX/2022, was that I fell for a death threat scam in which I got really scared to the point I send them XXXX through 6 XXXX transactions. On the same day this was happening, I called 911 and file a police report to an officer in person and show him the numbers of the person that was calling me and the text messages and XXXX transactions that took place. The Police confirm that these were scammers and were from different countries using fake numbers. The next day on XX/XX/XXXX I reached out to both XXXX and Chase and filed a claim on those 6 XXXX  transactions, however both companies refuse to comply with my claims and close it the same day on XX/XX/XXXX. They refuse to do it because they say I authorize it and its your fault because you confirm these payments. However I confirm these payments under fear and acting instead of thinking on my part. On XX/XX/XXXX, I went a local Chase bank and the lady there fax my police report to them. Till then as of XX/XX/XXXX, I have not recieve a call or text messages about these claims, which is why I reach out to you guys as of right now. Both numbers start with XXXX and XXXX. However I blocked and ended up automatically deleting their text messages they send me.
Consumer complaint received 2020-02-14
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: Experian Information Solutions Inc. (VA)

Attempted to get a free credit report from Experian using the legally mandated service here : XXXX XXXX XXXX Both XXXX and XXXX work fine , but Experian immediately fails . Following up using the " Sorry, we were unable to verify your identity '' page that is presented ( https : //usa.experian.com/acr/preOowError ) proved useless. 

The Upload Proof of Identity link provided fails to allow uploading any documents at all " https : //www.experian.com/consumer/upload/personalInfo ''. This was tried using up-to-date versions of XXXX and XXXX -- both gave the same failure. The file sizes were 1.5 MB and 550 kB, well under the limits. In all cases the site complains " Important Note : We were unable to upload your document ( s ) successfully. '' Calling puts me in an extended phone queue and I gave up. 

Utterly useless, and I don't think it complies with the law. I also note that https : //www.experian.com/XXXX points me at a scammy 'free ' monthly service of their own.
Consumer complaint received 2017-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (AK)

CMRE Financial Services was reported to my credit in XXXX of XXXX. I have never received a letter or notice that this debt existed giving me the opportunity to dispute it before it was reported on my credit. I have not been in a hospital in years. It also appears that this {$59.00} debt is for a hospital in California.I live in Alaska and could not have incurred this debt.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (VA)

Barclays Bank of DE sent me a letter on XX/XX/XXXX, informing me that they have reduced my credit limit. There reasoning was high utilization rate on revolving credit. <P/>There decision is in beach of our contractual agreement and they have acted in " bad faith. '' First - anyone in the industry of financial services ( and I am ) knows that Barclays is in financial trouble and its regulator is bearing down on them. <P/>Second - I have a XXXX FICO and my household income is in excess of {$250000.00} a year. I certainly can service my total debt amount. <P/>Third - as a result of Barclays action my FICO has been negatively impacted. <P/>Barclays is the one in financial trouble - not me. The company should not make their problem mine. <P/>I seek a reinstatement of my credit limit of {$11000.00}, else I will seek other legal and financial remedies. <P/>XXXX XXXX
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (CA)

My family had XXXX and I had applied for help with my mortgage through the forebearance program offered by village capital. They told me the government was offering assistance due to XXXX. They approved me for a Covid forebearance/fha partial claim from XXXX of XXXX through XXXX of XXXXThey told me that the payments would not show on my credit report as late because I was in a forebearance. I spoke with someone on XX/XX/XXXX and again they stated since I was in forbearance the late payments would not show up on my credit report. On XX/XX/XXXX, village capital reported on my credit bureaus the payments from XXXX of XXXX through XXXX of XXXX as late. I filed a dispute with the lender on XX/XX/XXXX for the late payments. Village capital is refusing to remove the late payments from credit reports. I have a letter from them stating I was in forebearance for the months of XX/XX/XXXX through XXXX of XXXX.
Consumer complaint received 2022-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Simpson Law Firm, P.A. (MS)

I received a garnishment taken from my paycheck in the amount of {$390.00} to an old account from back in XXXX. I contacted the loca company, which sent me to the cooperate office & was told I wasnt in their system as owing them anything but to contact their partner which was a law firm. After speaking with the law firm I was told that I would be reached & wasnt. Ive made several calls & emails to the company. I had a total garnishment of {$1600.00} which I have documentation of it being paid which includes the attorney fees, court cost as well as the total amount from the company. After I kept calling the loan company neither of our payments added. Ive written the home office & went to the local office which had made calls on my behalf & gave me a number & extension of who to speak to. Well after finally speaking with him I was told that Im paying 35.75 % interest on the garnishment which was paid out in XXXX. I went to our local courthouse who re-opened the case back in XX/XX/XXXX because the law firm seems to be saying to them the debt wasnt settled.