davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (WI)

I was introduced to the idea of borrowing money for large purchases starting at the age of 17 for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet.

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...
Consumer complaint received 2023-03-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (MD)

After seeing a reported collections amount on my credit report in the amount of {$1000.00}. I contacted Credit Control Corporation to understand further. They sent me a bill of {$1300.00} on XX/XX/XXXX to which I sent a validation later via US mail on XX/XX/XXXX to their po box . It was not returned and thus assumed delivered as addressed. CCC has still not sent me a validation package validating this debt of {$1300.00} they say I owe. It's been over a month now, the collections item hasn't been investigated at all, nor have I recieved validation that I owe this debt. This reported collections bill has taken a toll on my everyday life as I am trying to find a home and I would like to get the issue resolved as quickly as possible.
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery a credit collection account was placed on my credit reports. I have previously contacted CFPB in regards to this acct being used unauthorized. Last week Portfolio Recovery sent me a packet with a few statements. I have no knowledge of this account. 
They say this is from XXXX XXXXXXXX. I currently have two great standing accounts with XXXX XXXXXXXX so not sure how they have a derogatory account. 
I was in XXXX treatment for a few years for XXXX XXXX XXXX. At that time I was barely breathing and a lot of my information was used. I have placed security alerts on my credit reports as a result of that situation. I have attached my XXXX XXXX XXXX XXXX XXXX ID card.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Chexsystems wrongfully misreported one of my accounts. Their system stated that I had closed an account ending XXXX, owing {$460.00} to XXXX on XXXX of 2017. When I check with the bank they said that I did not owe anything and that they would write me a letter stating so. I am still a customer of XXXX, and I was surprised that this would even happen, especially since I have been with this bank for over 15 years and that this so called debt which is inaccurate happened in 2017. That year I lost my bank card associated with XXXX, so we closed the account to prevent misuse ; When I called the Chexsystems a robot gave me an webpage to go to. This company provided no live person to speak with about this serious error on their part. I submitted my complaint via web, but got no confirmation number or anything to prove that I demanded that they fix the error on their reporting. 

The government should require that Such financial behemoths provide a live person to deal with such matters that so pervasively affect the lives of so many. 

When you tried to reach them, it is like trying to communicate with a mountain. You dont know if it even hear syou. Yet it can ignore you and drastically affect you negatively. 

I want Chexsystems to get back to me promptly and fix this wrong information on my record. 

Until they fix it I cant open another account. Why did this take so long for me to find out about this? I dont know. 

Who put this horrible company in charge anyway? The consumer alone can not fight this corporate dictate. 

Please help.
Consumer complaint received 2023-03-08
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)

I am a victim of identity theft, I recently checked my credit report and noticed some accounts that I did not open. I would like these accounts removed from my credit report, it is highly affecting my personal life. Per FCRA 6058, this information should be deleted ASAP, Thank you.
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TN)

We were contacted after an attempt to settle a debt for a lesser amount was refused. XXXX XXXX from synchrony bank called us to inform us that we had been improperly denied to settle the debt. She told us all we had to do was pay {$99.00} more dollars and the debt would be settled because we had at that poi t caught our payment back up, and played as much as we could. We paid the {$99.00} immediately, but now they are still claiming we owe the debt. We can not get XXXX XXXX to call us back or answer our calls. We have done our part and have only received generic answers from synchrony bank that solve nothing. Nobody has an explanation as to why we were called, but we supposedly still owe the debt in their system. Our payments were up to date when XXXX called us, so the {$99.00} was obviously not to get us caught up or anything. She stated that it would settle the debt in full.
Consumer complaint received 2020-06-18
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (IL)

I have inquiries on my report and collections on my report that I did not authorize and I have tried to clear this up with XXXX and the other bureaus as well. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.
Consumer complaint received 2021-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Account Name : XXXX  XXXX  Account Number : XXXX Balance : {$230.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$320.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have disputed this account with the credit bureaus since XX/XX/2021, I have sent my first letter to the bureaus on XX/XX/2021 to be exact.. and they still haven't made a resolution to this problem. I am disputing these accounts because I do see some information that is reporting inconsistently. I believe it is my right as a consumer to ask for validation, correction, or deletion of these items if they are being reported erroneously. 

I have attached my evidence that the CRAs are confirming that the information that was there was wrong however they're not willing to budge in the rest of the detail and I feel that I'm highly compromised and therefore I'm needing for them to take action or make a speedy resolution on this because I need to be able to access my credit and this is actually hurting me more than it's doing me good.
Consumer complaint received 2022-10-31
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. (IL)

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-31
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. (GA)

I have multiple inquiries on my credit report that is the result of fraud. i did not apply for these products nor did I give my permission for my credit to be ran for these items. XXXX XXXX XX/XX/22 XX/XX/22 XX/XX/22. XXXX XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XXXX  XX/XX/22. I filed multiple disputes with Transunion in the past months with no action taken. These fraudulent inquiries are causing my family and I a great deal of hardship. Its harming my credit and making it very difficult to obtain new credit. I need these items removed asap please.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My mortgage company dont want to deferred my mortgage payments according to the recent law XXXX XXXX XXXX XXXX XXXX XXXX and they only did it on XXXX, XXXX and XXXX but I lost my job and now they dont want to respect the law and would like me to pay or get of any assistance
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is reporting on all three of my credit reports all the information on this account is wrong they have never had the account right on my credit reports at on time the reported I Had 158 bad checks there is no way I Had 158 bad check they won't accept a check after 3 bad checks fair credit 609 says they must verify and send me all the information on this account including address amount dates phone number remarks history if can't be verified this needs to be deleted immediately
Consumer complaint received 2022-10-31
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. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX
Consumer complaint received 2023-03-07
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Trans Union multiple times and they stated they will Send my credit report a month and XXXX weeks ago. I called them 3 times and I still havent received anything from them.
Consumer complaint received 2022-10-30
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. (TN)

XXXX, XXXX XXXX XXXX XXXX submitted to CFBP on XX/XX/XXXX. 
The allegations of the complaint have been investigated. Protecting consumer information is of paramount importance to XXXX. XXXX XXXX XXXX has submitted her drivers license and an ID Theft Report to XXXX. XXXX needs one more additional document in order to continue the investigation : XXXX. Signed Police Report stating ID Theft As such, our investigation will include, but not be limited to, contacting the issuing Police or Sherriffs Department to confirm their representation of the submitted materials. 
XXXX XXXX XXXX, has been reporting fraudulent account information on my credit report for several years, and the loan accounts are identical accounts with account numbers are the exactly the same account numbers, dates accounted opened are 4 months difference date opened XX/XX/XXXX and date opened XX/XX/XXXX. 
XXXX XXXX XXXX, {$430.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan XXXX XXXX XXXXXXXX {$430.00} Closed Exceptional payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan I am requesting a copy of the credit application with signed signature for both accounts. The Fair Credit Reporting Act ( FCRA ) 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. Also, I have provided to XXXX XXXX XXXX, FTC Identity theft affidavit, copy of driver 's license, and also provided them with the XXXX, XXXX  Police report number # XXXX, XXXX Police XXXX. XXXX XXXX phone number XXXX XXXX XXXX, for police report information or to obtain a copy.
Consumer complaint received 2022-10-30
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. (TN)

XXXX, XXXX XXXX XXXX XXXX submitted to CFBP on XX/XX/XXXX. 
The allegations of the complaint have been investigated. Protecting consumer information is of paramount importance to XXXX. XXXX XXXX XXXX has submitted her drivers license and an ID Theft Report to XXXX. XXXX needs one more additional document in order to continue the investigation : XXXX. Signed Police Report stating ID Theft As such, our investigation will include, but not be limited to, contacting the issuing Police or Sherriffs Department to confirm their representation of the submitted materials. 
XXXX XXXX XXXX, has been reporting fraudulent account information on my credit report for several years, and the loan accounts are identical accounts with account numbers are the exactly the same account numbers, dates accounted opened are 4 months difference date opened XX/XX/XXXX and date opened XX/XX/XXXX. 
XXXX XXXX XXXX, {$430.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan XXXX XXXX XXXX {$430.00} Closed Exceptional payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan I am requesting a copy of the credit application with signed signature for both accounts. The Fair Credit Reporting Act ( FCRA ) 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. Also, I have provided to XXXX XXXX XXXX, FTC Identity theft affidavit, copy of driver 's license, and also provided them with the XXXX, XXXX Police report number # XXXX, XXXX Police XXXX. XXXX XXXX phone number XXXX XXXX XXXX, for police report information or to obtain a copy.
Consumer complaint received 2020-12-28
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: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/2020 I reported 3 unauthorized inquiries to XXXX  and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both XXXX  and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.