davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (IN)

I want to report serious issues I encountered with Experian credit freezing service and policies. 
I wanted to apply for an XXXX XXXX card in a process of purchasing International flight tickets ; therefore, I lifted Credit Freeze on XXXX and XXXX while I placed a freeze with these two companies. I was denied the credit card due to a Credit Freeze in Experian, which I did not place to my best knowledge. I keep paper records and do not have anything, nor I remember calling Experian. 
My wallet was stolen in year XXXX. I reported this to the police and three banks I had credit cards and bank cards with. I had credit frozen by XXXX and XXXX personally at that time. Probably one of the banks or credit agencies froze my credit with Experian as well. 
When I wanted to Lift the freeze I went to the Experian.com web site. Four out of the five questions I had to answer None because the information was not valid. The freeze was not lifted as a result of incorrect information submitted XXXX/XXXX/XXXX @ XXXX PM. 
I called Experian XXXX/XXXX/XXXX @ XXXX PM and was told my Lift is locked due to wrong answers given and that it will take three business days to unlock it after I submit an identification proof. I submitted a copy of my drivers license as requested to the Experian.com Upload web page @ XXXX PM. 

I called Experian Friday XXXX/XXXX/XXXX @ XXXX PM and found out to my deep disappointment that they are closed due to the Holiday. Their services list as working on Saturdays and Sundays as well. It is not Holiday yet, it will be on Monday XXXX XXXX XXXX. 

This is unacceptable. The International flying tickets I need to buy were down to the last two seats today in the morning.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the bankruptcy listed on my credit report. After reviewing my credit report, I have noticed that there is a bankruptcy filing reported under my name. However, I assure you that this information is inaccurate, and I request its immediate removal from my credit report. Bankruptcy XXXX XXXX
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. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a auto loan through XXXX  XXXX XXXX on my credit report that was charged off in XXXX. I paid it off in full in XXXX. On my most recent credit report Equifax innaccurately reported this account 's " Date Major Deliquency 1st Reported '' to XXXX, XXXX. If the account has been closed for 6 years, and paid off for four, it's impossible that the first reporting would be last month. This was done to illegally re-age the account, and my credit score dropped signficantly.
Consumer complaint received 2023-09-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc. (IL)

I tired to use my on XX/XX/2023 for {$12.00} to get gas card declined due to unusual activity. I call Cashapp to find out why the card is blocked they say we need you to verify some information so that they can access the account I provided all the information they asked for. They tell me on XX/XX/2023 that they have send it to a specialty team for review I have not heard anything back from anyone and this is very frustrating that you cant even tell the person who account it is whats going on
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Consistently, I've made sure payments on this account are timely, preventing any from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2022-05-25
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. (NC)

In accordance with the fair credit act XXXX Account # s # XXXX XXXX  XXXX, # XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Bankruptcy, 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 instruction.
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (WA)

Over a year after the birth of my first child my family received a notice to pay an unpaid bill in her name for {$300.00} from a collection agency. We requested that an itemized bill be sent to explain the debt since we had never before had notice it was owed. Now it's two years later and we have yet to receive an explanation or itemized bill, but are still receiving periodic attempts to collect on this debt from Sequium Asset Solutions. Several months ago I called and complained to them and made clear that I'd file a complaint if contacted again without receiving the itemized bill. Earlier this week they again sent a collection notice via mail. 

Their address is XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-12-16
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2023-10-16
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. (SC)

In accordance with the Fair Credit Reporting act Convergent account 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 an account without my written instructions.
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC (IN)

XXXX XXXX of Insight Management Partners XXXX XXXX ) keeps calling my mother, gives her specific information of why he is calling, that he is a debt collector, how much I owe, who I owe it to, when I last made a payment, and that if I don't respond to him they are filing suit against me. Most recent calls to her were on XX/XX/2020 and on XX/XX/2020. I do not share my personal business with my mother and they have no legal right to share this information with her. My mother and I do not live in the same state.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

The EQ Score is not displayed on my credit report despite two updates. This omission raises concerns about the accuracy of the report, potentially impacting my eligibility for future loans. I kindly request your assistance in rectifying this issue promptly to ensure a smooth loan application process.
Consumer complaint received 2021-12-16
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. (MO)

This is not a third party, this is XXXX XXXX the natural person and consumer, you are doing this in bad faith and I know this is willful and intentional, this is bad business. 

Experian needs to own up to its mistake. These clowns still are creating problems for me. This is not a third party, this is the consumer/natural person! Not a company or business, this is just me dealing with your breaking of the laws. And I have demanded to be compensated. EXPERIAN has allowed identity theft to happen which was found by me, as a result they have deleted the accounts. Pursuant 15 usc 1681b ( 1 ) ( 2 ) these accounts lacked written from the consumer and were reported without my knowledge, which was willful by EXPERIAN. I discovered identity theft and violating my right to privacy pursuant to 15 usc 1681 ( 4 ). My reputation being dragged through the mud has caused XXXX, and I can not sleep and this was all because of a mistake on the credit reporting agency, and I have suffered for the misuse of my credit file and the accounts were deleted. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, were all fraud. EXPERIAN has violated 15 USC 1681b. EXPERIAN has violated 15 usc 1681c and as a result are violating 15 usc 1681e compliance procedures. As a consumer I am due monetary compensation, pursuant to 15 usc 1681n ( a ) ( 1 ) ( a ) ( b ). I am demanding {$3000.00}. This for each account deleted as a result of the fraud. These clowns have ruined my life and I will pursue litigation if need be. 

I have requested my credit file pursuant to 15 usc 1681 ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. I have not received a response and its been months of me requesting this information. 

Also account XXXX XXXX XXXX lack written consent pursuant to 15 USC 1681B ( 1 ) ( 2 ) and have not been investigated according to 15 USC 1681 ( e ) again breaking the FCRA. EXPERIAN has allegedly verified the information but I have not received the correct method of verifying anything according to law, I have asked EXPERIAN to provide me with who was interviewed, what method of verifying pursuant to 15 usc 1681 ( e ) I have asked for EXPERIAN to provide the method pursuant to the investigative consumer report within the FCRA. Please provide me with names of everyone you interviewed/investigated. However, such information shall not include specific factual information on a consumers credit record, according to law and I have not saw a response. I have also submitted a XXXX XXXX XXXX  complaint, you have not responded to this complaint and they are currently waiting for a response back. And I will be sending complaints to the attorney general, FTC, and EXPERIAN registered agents about the lack of following federal law.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

I just got off the phone with GLESI, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

We paid off our mortgage on XX/XX/2020 and was told our escrow balance would be refunded within 10 days. 
Now they are telling me it takes 60 days because they need to verify taxes and insurance have been paid this year! Insurance is due in XXXX and taxes are due in XXXX! 
This makes zero sense.
Consumer complaint received 2021-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

I got a derogatory mark on my credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this fraudulent account remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Disputed Chase CC acct with XXXX XXXX - Acct was reported as " late '' in XX/XX/XXXX - while acct was on a special repayment program, which would have been cancelled and full balance would have come due if i HAD been late - For whatever internal reason it was reported as such ; and was subsequently told by supervisor it would be corrected. 
They actually reported a separate payment in XX/XX/XXXX as 90 days and it was 60. Thus starting my ordeal and discovering the XXXX mistake as well, Thank you, Happy Holidays.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Portfolio recovery is attempting to collect a credit card debt from a card that I used to have. The company is very aggressive with calling tactics. I have asked them before not to contact me by phone. For the last year I have received numerous phone calls throughout each day except for weekends. The phone numbers come up as an Iowa phone number but it is not always the same number. I do not believe that they are a scammer at all as they have contacted me via the mail. I've tried disputing the collection through credit karma two different times. Both times unsuccessful as the debt is valid. However I have not signed any contracts with portfolio recovery nor have I agreed to pay anything to them. That is because they are not my original creditor and I feel that I owe them nothing. I only owe XXXX XXXX as I had a contract with them.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Issued check payment to Comenity Bank on XX/XX/22 through my XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/22 I was assessed a late fee of {$30.00} and on XX/XX/22. I was never alerted of these charges until I saw them on a month invoiced. I repaid the original amount as well as the finance charges to avoid being charged further penalties. I furnished to Comenity Bank proof of a good faith effort to send payment in time and they are trying to pocket the {$32.00} in finance charges that they have no right to. Theyre saying I have to prove they received the payment which is ludicrous. They could have dropped it behind a filing cabinet somewhere. I paid what I owed and showed that I sent the original payment with plenty of time to spare and the minute I learned they didnt receive it I paid it again. I want the finance charges back. They have no right to it. They are also reporting this to credit bureaus.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021 I discovered Synchrony Bank closed my " XXXX XXXX '' card and my " XXXX XXXX XXXX '' card. When I called and asked why they claimed they sent me a letter informing me they were closed, to the wrong address. And the reasons for closing my accounts were inaccurate. They said I had toolittle credit cards, I had 6. They said my rotational balances were too high, all cards had a {$0.00} balance, and they said lack of real estate on my credit report, which makes you wonder how I bought this new XXXXXXXX XXXX property where they obviously didn't know the address to, even though I changed it to be on file. The reasons they closed the cards is a lie and inaccurate. I have the same credit I did when they gave the cards several years ago and it hasn't changed. I had no real estate on my credit when they gave them to me originally, and now I own a XXXX XXXX farm that is clearly on my XXXX report. Not to mention my credit is better now than its ever been. I want to know why my cards were taken from me and my credit score affected by the removal of those cards without my permission. Companies can not make decisions that affect my credit without my permission unless my accounts are in collection, which they never were. I never missed a payment with either of these two cards and there was no reason to take them and get my credit score dropped behind inaccurate information. I know for a fact they never did a Hard Inquiry to my reports, because I monitor them. So how did they decide to take my cards, a soft inquiry? Those are not accurate.
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I HAVE MY HOME MORTGAGE FINANCED WITH XXXX MORTGAGE, NON ESCROW ACCOUNT. I WAS PAYING MY TAXES EVERY YEAR PLUS MY HOME INSURANCE. 4 MONTHS AGO I FOUND OUT PHH MORTGAGE BOUGHT OUT MY LOAN. MY MONTHLY PAYMNET WITH XXXX MORTGAGE WAS {$1000.00}. PHH MORTGAGE CHANGED MY PAYMENTS TO {$2200.00} AND ADDED ESCROW WITHOUT INFORMING ME EVEN THE TAXES & HOME INSURANCE BEEN PAID MY ME LAST YEAR, EVEN THIS YEAR. MY LOAN NUMBER IS XXXX. I CALLED PHH MORTGAGE SEVERAL TIMES AND BEEN TALKING TO THEM ALMOST 3 MONTHS NOW BUT NOTHING HAS BEEN FIXED. I NEED SERIOUS HELP. IF NOT FIXED I AM GON NA GO LEGAL WAY AND SUE THEM. 
ATTACHED IS THE COPY OF TAXES PAID LAST YEAR AND THIS YEAR.
Consumer complaint received 2021-12-16
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. (FL)

My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. 
this report is me trying to fix all the harm done to me my my life my good name.
Consumer complaint received 2021-12-16
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-16
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. (NJ)

I paid my XXXX 2022 installment payment in XXXX but I paid after my grace period which I got a XXXX late charge. When I made my payment I was told the late charge would be waived. Just recently I got an alert that I was reported 30 days late for a XXXX late charge is that even legal to report me delinquent for a late charge they offered to waive? I want to know why this happened and all calls are recorded so I would like them to pull the recording on why the agent neglected to tell me I was going to be reported late for a late charge they offered to waive
Consumer complaint received 2021-12-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (CA)

I XXXX XXXX, the natural person, consumer, and original creditor am not a third party, nor is there a third party involved or assisting me with this complaint. I am filing this complaint by myself for myself. 

I XXXX XXXX the natural person, consumer, and original creditor of an open-end credit plan was denied my right of credit By NAVY FEDERAL FINANCIAL GROUP XXXX LLC, doing business as NAVY FEDERAL CREDIT UNION . I was notified of this transgression of my rights by NAVY FEDERAL FINANCIAL GROUP, LLC, doing business as NAVY FEDERAL CREDIT UNION, according to 15 USC 1601- The Truth in Lending Act by US mail XX/XX/2021. Based on 15 USC 1602 definitions of the Truth in Lending Act I as the natural person possessing an open-end credit plan was harmed by NAVY FEDERAL FINANCIAL GROUP , LLC, doing business as NAVY FEDERAL CREDIT UNION adverse action taken against me denying me my rights pf which the civil damages pursuant top 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} NAVY FEDERAL FINANCIAL GROUP , LLC doing business as NAVY FEDERAL CREDIT UNION is now civilly liable to pay damages.