davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third Bank My credit cards I use to have because of all of this my credit is bad I can't get anything. Fifth Third is saying my account which is closed. That I owe them XXXX.and something change round about estimated. But I made payments to XXXX  XXXX which says they sent back or something was wrong. So who gets the payment how do I owe both. Also XXXX account is supposed to be paid off. Suppose to help my credit. Nothing is right. Now I supposebly owe Fifth Third XXXX. XXXX XXXX 400 and something when I only had a credit limit of XXXX How do I owe XXXX? And XXXX canceled with bad credit after suposibly paying off that was my XXXX anyway. If anything they owe me. Everybody is blaming the other person. Somebody figure it out plz. 

Thanks XXXX
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (TX)

In accordance to the Fair Credit Reporting Act, 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.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

On Friday, XX/XX/2019 I made an attempt to temporarily unfreeze my Equifax Credit Report at which time Equifax pushed a new requirement to do Security Freeze management through a my.equifax account. I signed up for an account and provided all of the correct security information, even verifying against my own Credit Report received from another Credit Reporting Company. At this time I was locked out of my account, told to call a number, which I did. That number involved providing additional information to a robo-assistant which then stated that I could not be helped by an agent. Eventually I was able to reach a human and was told I could not be helped because of a " system update ''. I then called back two days later and was told the exact same thing. I was also refused escalation to management. It has become clear at this time that Equifax is intentionally ignoring my attempts to access my data and to place/remove Security freezes as is my right. Below is the list of actions taken with times. 

* Friday XX/XX/2019 XXXX XXXX PST - Attempted to remove security freeze with Security Pin on Equifax website. Was notified by web-portal that a myEquifax account is now needed to take security freeze actions. 

XXXX Friday XX/XX/2019 XXXX XXXX XXXX - Was locked out after account creation in spite of answering all security questions. 

XXXX Friday XX/XX/2019 XXXX XXXX PST - Called the provided Equifax XXXX number 4 times, providing security and personal information each time and being told that no agent could help me. 

XXXX Friday XX/XX/2019 XXXX XXXX  PST - Called the same number and was able to trick the robo-assistant to provide a human agent. That agent simply stated that I would need to call back in 30 minutes to an hour as they were in the middle of a " system update ''. 

XXXX Sunday XX/XX/2019 XXXX XXXX  PST - Called using the same tricks to reach an agent at which time I was again told that I could not be helped for 30 minutes to an hour as they were again experiencing a " system update ''. I was also refused an escalation to a manager. 

XXXX Sunday XX/XX/2019 XXXX XXXX  PST - Called an hour later again as instructed and was once again told that a " System Update '' was preventing them from helping me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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: Nelnet, Inc. (PA)

I contacted NELNET through email and also uploaded a document to their website with no response or action taken. 

I did get a response through using CFPB and they state not enough information and this has already been investigated. 

NELNET is violating my rights according to the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/NELNET # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (IL)

In XX/XX/2019 I opened an account at the BMO Harris reacting to the mailing sent to me. The offer was for {$700.00} account opening bonus which was presented to the banker at the time of account openings. 
Promo Code : XXXX As result I completed following requirements within 120 days of account opening : {$6000.00} of direct deposits or more ( actually XXXX was deposited through my employment with XXXX and XXXX XXXX ) 10 or more card transactions {$10000.00} or more balance kept at the Money Market account for 90 or more days. 

To date I received only {$300.00} in bonus instead of {$700.00}. {$200.00} was credited to my MM account which is correct however the checking account received only {$100.00}. And the {$100.00} bonus was deposited on XX/XX/2019 even before the qualifying period ended leading me to the conclusion that the bank had no intention to fulfill the conditions of the promotion to begin with.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/2023 XXXX - XX/XX/2023
Consumer complaint received 2019-12-22
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: EQUIFAX, INC. (VA)

In XX/XX/XXXX XXXX erroneously reported to the credit bureaus that I was late on a payment on an account that had been paid off in XXXX. According to Equifax XXXX as of XXXX of this year is still reporting the account. The account was opened in XXXX. Equifax refuses to remove the account from my report and still reports an incorrect status that the account is in collections. I have disputed this account numerous time to no avail. I do believe this error by XXXX and Equifax caused me to receive a higher interest rate when I closed on my home loan in XXXX and continues to affect my credit score. Equifax failed and continues to fail to follow the Fair Credit Reporting Act. They are the only credit bureau to update my credit report to reflect current payments on accounts. They also tend to drop my credit score a few points after I make a complaint and file a dispute
Consumer complaint received 2019-12-22
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: EQUIFAX, INC. (FL)

On XX/XX/2019i sent Equifax a letter of complaint stating they are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Amount : {$92.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Equifax & XXXX XXXX XXXX XXXX XXXX XXXX  have not responded
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NJ)

PENN Credit Corporation has been trying to collect a XXXX & XXXX debt from me in the amount of {$340.00}. The debt is not only mine, but I did not live in the residence associated with the account during the time they are stating. I have disputed the charge, contacted the company to dispute the charge, asked for a validation of debt letter and also informed the company, along with the credit bureaus, that I am a victim of identity theft. I've had my credit report frozen and still have gotten no resolve. I've been verbally abused by representatives at PENN Credit Corporation and haven't received any written statements that validate the debt is mine. This is one of few battles I am fighting, and while other companies are being understanding, PENN has been nothing but rude. I even contacted XXXX & XXXX and spoke to a representative who admitted that they wrongly charge their customers for periods of time not living in the residence of an associated account. If that information doesn't get this removed from my credit report, I don't know what else will. I've done all the right things here and have taken appropriate action, so I'd greatly appreciate this false debt taken off my credit report immediately, so all parties can move on. Thank you!
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

In early XXXX, I received a notification from my credit monitoring company, that I had an account in collections. It was an account with ProCollect again. The account is XXXX for and online application for an apartment at XXXX XXXX  XXXX XXXX XXXX. Not two months ago the exact same situation happened with this collection company ( a different apartment complex ). No one contacted me by phone or mail to tell me about the collections account even though they have all of my contact information before sending this account to my credit report so I could provide documentation for identity theft. I called the company after receiving the notification and talked to Ms. XXXX. She falsely told me I had only three days to dispute the account. Additionally, I requested all documentation related to the account on the phone and twice by email on XX/XX/19 and XX/XX/19. In the emails, I provided my state ID, my identity theft report, and debt collection letter. They have not sent me any documentation to this account so that I can file a police report and dispute this charge as identity theft.
Consumer complaint received 2019-12-22
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: SUNRISE CREDIT SERVICES, INC (FL)

On XX/XX/2019 I submitted a letter as formal complaint that XXXX is reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : SUNRISE CREDIT SERVICES Collection Amount : {$1300.00} Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a alert to my credit report from this collection agency, stating that I owned them a past due balance of {$100.00} and then called the collection agency, not knowing were the bill is coming from, a Representative told me that it was from XXXX XXXX ( XXXX ) membership. I let the debt collection know that I never received anything in the mail pertaining to this, then debt collector asked me for my address and verbally agreed that the address on the account was incorrect, I thought something was fishy then but I said let me just pay and get this off my credit. But when the supervisor XXXX XXXX, said that they dont pay to delete and some of the charges on the account were from collection receivable! I was like XXXX no! Let me investigate this, so she told me to call XXXX XXXX which is XXXX XXXX now! I did and I spoke with a office XXXX! He told me that this account was from XXXX and the address and telephone he read on the account was not even mine, then he told me to XXXX XXXX XXXX, I spoke with them and they agreed to me never having a membership with XXXX XXXX in XXXX!!! They said it sounds like FRAUD and I agree! So I was advised to file a FTC report! It looks like someone has filled out gym membership in my name!!! This account is under investigation with XXXX XXXX who are the ones handling XXXX XXXX old accounts!! XXXX XXXX should be removed from my credit file ASAP!!!
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

This company sent me a letter stating I owed a debt to XXXX XXXX  in the amount of {$260.00}, but they would settle for XXXX if I call them and settle it. The amount they are stating is owed, was from equipment being sent back delayed due to Hurricane Harvey hitting and flooding the XXXX area some years back. The equipment has since been returned and the account is a XXXX balance. Also, I was a service member that was able to void the contract with military orders for XXXX. This company is requesting money that isn't even owed with any validity. They are preying on a XXXX XXXX XXXX Veteran. I have already dealt with this with another collection company prior on the same exact debt! It's a shame that these companies exist. I will not provide this company any personal information in order to dispute through their website. This is ludicrous.
Consumer complaint received 2023-01-23
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. (LA)

When I reviewed my credit report again, I discovered that some of the information that is still erroneous. The accounts should be verified since I sent letters back on XX/XX/2023. Again I am redisputing in order to correct the accounts that linger on my credit file/report. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Applied Business Services, Inc. (NY)

I closed my Applied Credit Card account with XXXX balance on it and the next month, they ( XXXX XXXX ) sent {$16.00} to pay. I refused to pay them the money and then the next month, they added as they so called a late fee of {$35.00} even though the account was closed. I called them, but I did not really remember in which month, but it may be in XX/XX/XXXX.  I discussed the issues with one of their workers. She told me to pay the {$16.00} and the late fees of {$35.00}. I had to pay that amount. The next month, they sent me another late fee of {$35.00} even though the account had been closed. Again, I refused to pay the so called late fee because I did not use the card to purchase any goods. In XX/XX/XXXX, they called me to pay their money and I said no, but the lady convinced me to pay the money and I paid {$77.00} out XXXX. She told me that if I paid the {$77.00}, they will close my account. This was the reason that made me paid the {$77.00} so that they will close my account. The moment I paid the {$77.00}, they sent me balance of {$27.00}. From this point, they continue to add {$35.00} of every month. They are still billing me {$35.00} of every month. Presently, they have billed me a total of {$280.00}. I am really fed up with this people. This is the reason I decided to call consumer financial protection Bureau to make a complaint.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

According to 1681 ( b ) ( 2 ) nothing shall be on my credit report without my written consent. 1. CONVERGENT OUTSOURCING Acc # XXXX { {$840.00} } This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2019-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019 I have made a purchase on XXXX as I do over hundreds of times a year : The payment was handled by XXXX as payment for merchandise : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX ( globalcoinlogistics ) Payment - {$32.00} However the Chase Credit card classified the transaction as cash advance and charged me not only a {$10.00} fee but confiscated the rewards points that I would get as result of it. 
Despite bringing this point to credit card I was told that the transaction was coded as cash advance and it doesn't matter that the reality is different. 
It appears that Chase doesn't feel it needs to protect consumers from unauthorized use but it aids and abets fraud as long it can profit from it. 

I have never used cash advance anywhere before I am completely surprised and shocked that Chase would be engaged in activities such as this.
Consumer complaint received 2019-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

Ive sent out 8 letters to LVNV Funding LLC, they never varified that I had debt and a signed contract. Ive only received one letter back and they sent me a statement from the original creditor. Thats not showing I owe them debt. In accordance to the law they can not do that and without proof I owe them and have an open contract with them they have to delete.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have submitted copies of the police report, FTC Fraud affidavit, statements, letters, etc. numerous times. I have made numerous attempts to contact these agencies, creditors, companies in reference to accounts that were opened in my name, credit inquiries in my name, apartment that was leased and broken in my name and have not gotten any closure. I am unsure of what else this credit reporting agency is wanting from me and as I have sent copies of my driver 's license, social security card, copy of my old apartment lease, copy of bills, etc. along with the other items and have even asked them to update my telephone number on my report as I have not had the number listed over 10 years. My number is XXXX. This has been ongoing for many months and I am at this time upset with the last XXXX envelopes that I have received. I have attempted to notify all creditors, dealerships, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, etc and have had no success. Yet the credit reporting agencies, all except XXXX, is making my life a living XXXX.
Consumer complaint received 2021-11-10
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has 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. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2012