davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

THE COMPANY, ProCollect Incorporated PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, XXXX enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MD)

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXmy has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. + 15 USC 1666B : A creditor may no
t treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-15
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: ALLY FINANCIAL INC. (FL)

Because of this incident, I have 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.
Consumer complaint received 2019-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (GA)

I am being charged {$310.00} a month in interest, where I signed up for 0 % payment for the last five years my balance went from XXXX to XXXX all in interest on XXXX  payment income agreement.
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

THE COMPANY, LVNV FUNDING LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$410.00}
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MI)

The problem is the credit card issuer Comenity Bank, and XXXX XXXX XXXX. 
The company is causing my credit score to not decrease or stay the same with ever payment I make. Every payment I make they lower my credit limit to keep my credit utilization percentage high. 
XX/XX/2019 my credit limit was {$1300.00}, I owed them {$1100.00}, I made a payment of XXXX on XX/XX/2019, brought my balance owing to {$800.00}, I was working on getting my credit card amount down, and decrease my utilization percentage to raise my credit score, Comenity lowered my credit limit to {$850.00} so on XX/XX/XXXX my utilization was 89 % I made a XXXX payment, and on XX/XX/2019 it went up to 95 %, with no purchases made. 

In XXXX I made multiple payments XX/XX/2019XXXX XXXX XX/XX/2019- XXXX My Credit limit was XXXX on XX/XX/2019, I made payments of XXXX, It states I made payments of {$77.00}, I owed {$800.00} and my balance was not {$730.00}. They again lowered my credit limit from XXXX on XX/XX/2019 to XXXX on XX/XX/2019, making me stay at 95 % utilization. 

In XXXX I made another payment XX/XX/2019 of {$45.00} and another one XX/XX/2019 of {$40.00} Said they got a payment of {$23.00}, which lowered my balance from {$730.00} to {$700.00} They again lowered my limit on XX/XX/2019 from {$770.00} to {$750.00} on XX/XX/2019 making sure they keep me at the 95 % credit utilization percentage In XXXX I made a payment XX/XX/2019 of {$45.00} They claimed I made a payment of {$28.00} My balance was {$700.00} and was lowered to {$680.00} Again they lowered my credit limit from {$750.00} XX/XX/2019 to {$720.00} Again keeping me at the 95 % utilization This company has to be investigated, look on their XXXX page, i am not the only one that this company is hurting, and this is allowed. 
Please help me get this taken care of, this is terrible.
Consumer complaint received 2022-05-20
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I Called Wells Fargo bank to check if I can get my credit Card limit to be increase, and I asked them if is going to be a hard inquiry or soft pull on my credit report, I was told is going to be a soft inquiry only and will not be a hard inquiry without my consent, then I told him in that case I want to go ahead to see if I can get my credit card limit increase, Also I made it very clear if is going to be a hard inquiry on my credit report I will not be interested to apply, the person on the phone told me no worry will not be any hard inquiry without my consent. anyway I apply and I was approved for credit line increase but next day I received a notification from the XXXX Credit Bureau that was a hard inquiry by Wells Fargo Bank, I contact Wells Fargo about this issue and I filed a case with them and I was told is going to take up to 10 days for investigation. Few days later I received a letter from wells Fargo to confirm that was an error from Wells Fargo and they will contact XXXX credit bureau to request the hard inquiry to be remove from my credit, until today nothing is been remove, I contact XXXX myself and they inform me they have not received anything letter or fax from Wells Fargo regarding my issue, I contact Wells Fargo several times for help but every time I contact them they said we have requested the hard inquiry to be remove and they open new case for me, again until now the hard inquiry still on my credit file. 
Here all the case number I have filed with Wells Fargo regarding this issue the first case was Filed On XX/XX/XXXX, Case # XXXX, the second Case was filed on XX/XX/XXXX, Case # XXXX, the third case was filed today XX/XX/XXXX, Case # XXXX, The phone number for Wells Fargo XXXX, as you can see every time I call wells Fargo they keep opening new case for me but without any solution to resolve this issue.
Consumer complaint received 2019-11-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I enrolled with freedom debt relief hoping I could be debt free within a year and purchase a home. My American Dream, well I enrolled with the company 6 months ago paying XXXX a month estimate including hidden charges I wasnt aware of. Not one of my 6 accounts wherein the 6 months there was zero settlements. Before Freedom Debt I had zero late payment and a good credit score around XXXX. Now my score is terrible with more debt and facing bankruptcy. Now I caught new they are facing a class-action lawsuit. I need help recently wrongly terminated and retaliation on at my employment further comprising my status. I have finally received unemployment because won my appeal. But all the money just goes straight to child support and everything I am behind on. I know this is a lot and I can go into details but you get the idea! I am caught in the system of never ever reaching my American Dream is now gone in the wind.. Thank you please help me! SINCERELY XXXX
Consumer complaint received 2023-03-06
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name-XXXX XXXX XXXX # XXXX,, has violated my rights. 

Account name-XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXXXXXXX 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 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX and XXXX of 2020 I was given late payments from capital One In accordance with the fair credit # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nat treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account was hacked or something and someone spent all of my money in XXXX cent transactions over {$4000.00} worth on XXXX which I have no idea what it is and I've never used it and then I reported all these transactions with the bank and they told me they can only group XXXX of them together and the rest they had to file separately and a few days later they credited me {$100.00} but I'm still waiting on the remaining XXXX or more and they made me cancel the card I still had and I can't seem to get them to mail the card to my current address and it's taking very long to get my money back and I'm broke at the current time this is not good banking if you ask me
Consumer complaint received 2023-06-23
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. (MO)

I am submitting another CFPB Complaint in response to the recent investigation conducted by the XXXX XXXX XXXX. I strongly disagree with their findings and demand utmost accuracy. I am extremely dissatisfied with the apparent lack of effort in reaching out to the creditors responsible for reporting this information on my report. Consequently, I now demand more comprehensive information concerning these specific items under question : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXr XXXX Bankruptcy Reference # XXXX XXXX XXXX Bankruptcy Reference # XXXX. The Credit Bureaus are required to provide me with the names and addresses of the individuals contacted within a strict timeline of fifteen ( XXXX ) days from the receipt of this letter, unless the Credit Bureaus inform me otherwise. Failure to verify within this time frame will be deemed as non-verification, necessitating the immediate deletion of the items as mandated by Section XXXX ( a ).
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX  Account XXXX ( partial ) violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX/ Experian I request the proof of Accuracy of your reporting on this account, Please show documentation that I paid this account it is over the 7 years limits and you reaged this account by stating it was paid in XX/XX/2015 needs removed at once this is credit reporting manipulation
Consumer complaint received 2016-02-03
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Phillips & Cohen Associates, Ltd. (NY)

Philips & Cohen contacted a family friend who is elderly ( XXXX yrs old ), recently lost her husband and is not linked to the debt in any way. They obtained her information via my credit file because her information is linked to me as a co-signer on a personal loan through a local bank that does not have anything to do with the credit card debt through XXXX that they are attempting to collect. I never supplied this person 's name as a contact or gave anyone permission to contact anyone on behalf of my debt. They called twice, the XXXX time when she answered the automated system asked if she were me and she pressed the key to indicate that it was n't me. The next day a live representative called her and stated that she was calling from Phillips & Cohen, she indicated that I do not live there and she does not want to receive any calls from their company
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. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$410.00}
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: First Data Corporation (MN)

I am still having problems with my personal checks being declined by TeleCheck Services , Inc. I need to know the reason why my checks are still being declined. I want to be able to write and use my personal checks, without my personal checks being declined. I want TeleCheck to approve my personal checks. I have a current available checking account balance of : {$50000.00} with XXXX XXXX XXXX.
Consumer complaint received 2019-01-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

Navient continues to increase the interest rate on the loan that they purchased from XXXX XXXX XXXX. On XX/XX/XXXX Navient began to service the loan that they had purchased from XXXX XXXX XXXX. My average payment was around {$110.00}. The interest rate continued to increase and the payment is increasing as well. The current interest rate for the loan is 9.25 %, however there is a rate reduction for the amount being automatically taken out of my bank account, making the interest rate 8.25 %. My payment has increased to over {$130.00} per month and the loan amount does not decrease with every payment. As of XX/XX/XXXX ( when Navient purchased the loan ), I owed {$12000.00}. As of XX/XX/XXXX, i still owe {$12000.00}. In nearly a year, I have managed to pay off {$300.00} of the loan, however I have paid, in total, {$1100.00} - {$850.00} to interest alone. 

I contacted Navient to attempt to lower the interest rate, however they said they already did with the reduction through autopay. Navient said they will not lower the rate any further and that I should expect to pay the loan for another 30 years. Navient told me that if I wanted to lower my amount due, to pay more to the principle of the loan, money that is not available due to having other living expenses. 

Navient did not have any other options for me to reduce my payment, reduce my interest rate, and had no other options to help me. They are very predatory and are taking advantage of borrowers by purchasing loans from other companies and servicing them, offering no assistance or relief to borrowers.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (NY)

I have incorrect information reporting on my credit report, I contacted multiple agents to try and get it resolved and never got an answer on how to get it done, nor any assistance was offered, all agencies refuse to do anything about the situation Companies like XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
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. (GA)

Since XX/XX/2021 ; I have filed numerous complaints regarding XXXX, XXXX, and Transunion unwillingness to DELETE erroneous activity found on my credit report. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired.