davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (CA)

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. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXXL - Balance {$0.00} XXXX Opened XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX {$0.00} XXXX Opened XXXX XX/XX/XXXX 2017
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I havent had my email for months due to my email being hacked. I didnt know my account was in negative. Even though they might have emailed me they never once called I never receive a call saying my account would soon be closed, since inactivity. I never purchased anything so the negative over draft fees was most likely from the fees they charge me for having the account. I would just like to reopen my account
Consumer complaint received 2023-06-30
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: ACIMA CREDIT, LLC (NV)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (AL)

Checked report and saw lots of negative items and derogatory inquiries that have no knowledge of. Tried contacting these collection agencies and debtors to no avail.
Consumer complaint received 2022-10-13
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-08-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bepensa Capital, Inc. (GA)

I was defrauded by both the dealer and credito real usa and all persons that represent these companies. When i learn that ii was been defrauded XXXX of XXXX  i asked that the contract be voided i wanted out of it. Cerdito real usa assured me that i had nothing to worry about, they would get to the bottom of it, guaranteed me that my credit would not be affected. I have contacted them giving them ample time to respond. i never received calls back to resolve only for payments. i have been threated, accused of lying, yelled at among other manipulative practices
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

An account on my consumer report is reported as charge off status and that should not be on my consumer report. According to the IRS any companies cancelled or charged off debts should be filed as a 1099-C and written off as income. By law its iiegal to to furnish this on a consumer report. I demand this account be removed.
Consumer complaint received 2023-02-21
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. (AZ)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX , XXXX. XXXX {$9100.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FISERV INC. (SC)

I own a small music school. I collect payments from my customers using their credit cards. Another company, Fiserv, processes the transactions, and forwards the money to me minus fees. 
I receive statements from Fiserv showing the details. In the last two months they suddenly started subtracting money for " adjustments ''. I called and they said this was for tax withholding. 
This money is for my gross sales. I don't owe taxes on gross sales. And, I never authorized such activity. 
They have misappropriated almost {$10000.00} of my money in two months and my business is now in jeopardy. 
I know of another business owner who lost {$6000.00} to this same company. 
Fiserv, XXXX, Nebraska. website : XXXX  XXXX
Consumer complaint received 2023-02-21
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
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: Resurgent Capital Services L.P. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2024-02-16
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. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I would like all of my my derogatory remarks, late payments, public records, closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2019-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

I paid a medical bill on XX/XX/2019, but have been contacted at least 3 times by Receivables Management Partners , LLC attempting to collect payment. I have informed them that it was paid, but their response was to mail me a photocopy of the bill.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Payment due date of XX/XX/2023 In the amount of {$310.00}. Due to financial issues and it being the holiday time, I was unable to make my payment on the exact date of XX/XX/2023, I made the payment on XX/XX/2023 - EXACTLY 28 DAYS LATER. Citizens Pay is reporting me 30 DAYS late with XXXX XXXX XXXX AND 60 DAYS LATE WITH XXXX. I have disputed this XXXX  2023 30 day late payment a total of EIGHT TIMES. Each time, Citizens Pay verified all information as correct and the account was unchanged. Per the FCRA, an account can not be reported 30 days late if it is in fact not paid after 30 days! I have written in to Citizens Pay, to no avail, I have sent an email to the Vice President of the company, to no avail. No one is doing anything. 

The erroneous reporting of this 30 DAY LATE FOR XX/XX/2023 caused me to be turned down for a newly built home with XXXX XXXX XXXX!!!! As a single mother of XXXX children, renting a home in this terrible financial climate, missed my chance for a new home due to the reporting of this 30 day late for XX/XX/2023. 

Attached, you will find the XXXX statement from Citizens Pay- with proof that the due date was XX/XX/2023 ; I am also attaching a payment history statement from Citizens Pay showing my XX/XX/2023 payment being made on XX/XX/2023. I have also attached the letter from XXXX XXXX XXXX declining my opportunity for a new home based on the ONLY NEGATIVE ITEM ON MY CREDIT REPORT WHICH IS A 30 DAY LATE PAYMENT BEING REPORTED BY CITIZENS PAY FOR XXXX OF 2023 ; Lastly, I attached a current printout of the payment history for this Citizens Pay account from each credit bureau - XXXX showing 30 days late for XX/XX/2023 ; XXXX showing 60 days late for XX/XX/2023 and XXXX showing 30 days late for XX/XX/2023. 

Just because a payment is not made on the exact due date, that does not give you the right to report the payment as 30 days past due! The Late Payment calculator begins one day after the due date... For example : Due Date XX/XX/2023 : XX/XX/XXXX - ONE DAY LATE XX/XX/XXXX - TWO DAYS LATE AND SO ON AND SO FORTH ... ... ..... 
Again my payment was made on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (CA)

I applied for an Ulta credit card XX/XX/XXXX, I was approved so the {$75.00} would be charged to my new credit card. I never received the card or a bill.. It wasn't until I received an alert from credit monitoring on XX/XX/XXXX, that I was able to find the customer service number and pay the balance on the account which was now {$100.00} from late fees. I informed them that I still haven't received a card or a bill it isn't fair to charge me fees. She did nothing. The next day ( XX/XX/XXXX ) I was charged a {$2.00} finance fee. Still no card or bill, but I did receive a {$30.00} late fee from XXXX for paying the balance in full 4 days late, a late fee on the {$2.00} finance fee, {$40.00} late fee on XX/XX/XXXX and a {$2.00} finance fee XX/XX/XXXX, a {$41.00} late fee on XX/XX/XXXX, {$2.00} finance charge XXXX-all for an account that they assured me was paid in full on XX/XX/XXXX, again no card, no statements and no new purchases-just a huge drop on my credit score for non/late payments which I never do. So again my credit monitoring alerted me of the negative reporting and I looked it up and on XX/XX/XXXX paid the entire amount all late fees and finance fees totaling {$120.00}! I made the representative confirm there would be no additional fees and please close my account, their business practices don't seem ethical or legal. On XX/XX/XXXX, I received a letter from Comenity Capital Bank stating my account is closed, current balance is {$0.00}, but on XX/XX/XXXX I received my first bill ever with a {$2.00} new balance due XX/XX/XXXX or a XXXX late fee will be charged ( on my account that was closed and had a XXXX balance ) and the lady confirmed today my card still has not been activated!!
Consumer complaint received 2022-10-13
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX my phone number XXXX I have a fraudulent application put in my name without my permission and today when I contact the fraud department back they told me my fraud claim was rejected saying my fraud report was not fraud but it is fraud I want the account balance to be cleared to {$0.00} and I want the account to be disputed off my credit reports.
Consumer complaint received 2022-05-20
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-03-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (AZ)

Called yesterday XXXX/XXXX/XXXX to get help concerning student loans with are behind due to wife becoming XXXX and currently can not work due to neck and back surgeries which have not worked thus our House hold income has been reduced by XXXX. What a joke their customer service is. The first line agents know and do nothing, placed on hold each time she had to see if they could help me ( Multiple times ). With all there supposed programs they can not help people in trouble. Been laid off three times ( XXXX XXXX XXXX, caused by the US Government ). At the time XXXX XXXX said I only qualified for a forbearance, never offered any other program or help. Thus around a {$40.00} loan now over {$75.00} ( almost doubled, over {$30.00} in fees and compounded interest ), it is like the banker having the key to the vault, or a payday loan company. I see now why they did not offer me any other helpful programs, they are really just Congresses loan sharks running the system! They get to have their cake and eat it too. I graduated in XX/XX/XXXX, I am XXXX years old. I will never get to retire. The way it is gong I will be dead before these loans are paid off. I am not asking for a free ride, just some real help. Piling more and more fees and compounded interest is not help, it is just helping someone dig a deeper hole in watch one can not get out of at almost XXXX years of age. I am also a XXXX XXXX vet and yes used part of my old GI bill to start college, but the old bill was canceled and thus had to get loans to complete college, while raising a family of XXXX, working full time, and helping put my own kids in college. No Vet should be saddled with college debt at least for a XXXX Degree. Also why do they base the help on Gross income? The US Government takes almost a third of my income out for taxes ( my money that can not to be used to pay my bills ) and that does not count the USG 's requirement to have Health insurance ( More costs ). The US Government created this mess they need to provide real help and fix it. The system has already made enough money off me already. Also they call me at least three or more times a day all hours of the day up to XXXX XXXX.
Consumer complaint received 2022-05-20
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. (IN)

remove late payments, payments never late XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Open. {$580.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open. 
XXXX XXXX XXXX SIMPLE Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. {$570.00} past due VCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX Resident type Apartment complex