davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 XXXX 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 2020-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IL)

I had a debt with a creditor. The debt was settled through a court action and the plaintiff agreed to seal the record and not report it after a court order requiring such. plaintiff violated the agreement and sold the title to NATIONAL CREDIT SYSTEMS and now in violation of 15 USC 1692a ( 4 ) debt collector has made false claims as a creditor, made an impermissible pull of my credit and then used my private information for profit in order to enrich themselves unjustly at my expense with neither my consent nor expressed aceptance. XXXX  LLC is a co conspirator in the caper as both companies are guilty of identity theft and consumer fraud based on their destroying my rights to privacy, my right to contract, my right to be secure in person and property and my right to be free of the fraud, theft and coercion of third party meddlers pursuant to their willful and negligent violations of 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ. I have made several requests to both companies to produce lawful evidence of my being subject to any indebtedness and both companies have chosen to ignore my requests and acquiesce to the aforementioned claims ... I want to initiate a lawsuit as these companies are making it impossible to get housing and winter is here. please find the court documents and correspondence between myself.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

I was always charged extra fees because when I made deposits it didn't register in time when they promised that it would and because of that when I make a withdrawal at the ATM I'll be charged fees for insufficient funds or when I try to pay a bill it'll be insufficient funds because of overcharging of fees
Consumer complaint received 2020-11-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Since 2005 after leaving school, I have tried several times to get a affordable payment plan for my student loan. However, I was never able to get a lowered amount to pay for my loan. They set this high payment and I was never given a chance of getting a lowered offer. I am a XXXX and I would like a fair chance of getting my student loans forgiveness. Please help me to get a loan forgiveness plan that I need. My complaint is with Navient.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have tried to access my account for Experian to remove a freeze that I never initiated. Called Experian and they couldn't verify my account. Once I accessed a supervisor they stated that there are two accounts under my social security number. I asked for the information or second account to be deleted and they requested for me to upload documents to a portal. I have attempted 6 times to upload the documents and after completion each time i get a error. This has prohibited me from gaining a necessary loan. Please help XXXX
Consumer complaint received 2023-05-11
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-02-24
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. (GA)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here. 
XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-11-14
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 sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I never opened accounts with any of the accounts listed above and it is being reported on my credit report inaccurately I sent the credit bureau multiple letters and proof from XXXX  XXXX even to today Ive also called each of the credit bureau to get help removing these account being improperly reported on my credit reports and I still have received the proper help or proof that these are my account i demand that these accounts be removed from my credit reports immediately or I will hire an attorney this week and will be force to seek legal fees and compensation for the stress and mental health issues the XXXXhree credit bureau has caused to me and my family over this matter. The credit bureau violated multiple Fair credit reporting on Acts on my credit reports. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I never opened accounts with any of the accounts listed above and it is being reported on my credit report inaccurately I sent the credit bureau multiple letters and proof from XXXX  XXXX even to today Ive also called each of the credit bureau to get help removing these account being improperly reported on my credit reports and I still have received the proper help or proof that these are my account i demand that these accounts be removed from my credit reports immediately or I will hire an attorney this week and will be force to seek legal fees and compensation for the stress and mental health issues the three credit bureau has caused to me and my family over this matter. The credit bureau violated multiple Fair credit reporting on Acts on my credit reports.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2023-07-14
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. (NJ)

I checked my consumer report and saw that XXXX  XXXX is reporting a fraudulent account on my report with a balance of {$5200.00}. I DO NOT HAVE A CREDIT CARD WITH THIS COMPANY. I have reported to XXXX, EQUIFAX XXXX And the information came back verified. After my careful review, i have determined that neither company has accurately verified this fraudulent information because the information is not reporting accurately so that means a proper investigation has not been done. Due to FCRA i am entitled to a fair and equitable consumer report and this is not fair to me. I try to stay on top of my credit and this fraudulent account is hurting me.
Consumer complaint received 2023-07-14
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)

Today, I am sending my CFPB complaint to inform you that I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations.They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Kindly delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

This card is from XXXXSynchrony Bank for CareCredit. I have had this card for many years and have never experienced this level of frustration! The only reason that I have this card is for the XXXX XXXX  promotional credit. I have never missed my deadlines and have always had the opportunity to make additional payments to the principle that always pays the oldest balance first and the one that is going to expire soonest. I have had my card on autopay for many years and when I am able to see which promotion is going to be coming due I make an additional payment to the principle. Since XXXX of this year I have been struggling with my online account and with customer service. It has been a complete nightmare! The login prevents me from seeing my statements, my payment history and enough activity to complete my own due diligence! I have told them this many times and they offer to send a paper copy. They sent it once and it was not the complete package of months needed and it still doesn't answer why I am denied access and why I have to call 60 days in advance to allocate payments to the principle. I need to be able to make the payments online as I always have. They have told me that my additional payments to the principle will be applied at their discretion and not at mine despite me needing them to be applied to the oldest balance first that is coming due. They are deliberately applying all of my payments monthly and additional principal in the wrong order. The little I have been able to see they have applied over {$300.00} to a balance that is coming due in XXXX and on one that is coming due in XXXX not one penny! This is NOT what I have asked for and they continue to make mistakes and control my money at my expense! I should have never missed my last promotional balance and instead they applied my payments incorrectly and caused me to miss a very expense deadline and charged me egregious XXXX XXXX interest retroactively. I feel that this is intentional or flat our negligence despite my many calls telling them this is WRONG! Please Help!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 
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 XXXXmy 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 2024-06-04
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (OH)

This morning, I received an email saying " that we will make a Change in Terms to your Torrid Credit Card account. '' The email then asked me to sign into my secure message center to see those changes. 

I logged into my account ( not through the email ) and there were no messages in the secure message center. 

I called Comenity bank ( who handles the Torrid card ) to ask what was changing. They told me my XXXX was being raised to 35 %. 

I owe them no monies and I have never had a late payment. There is no reason for the interest rate to go up, much less to be at 35 %. 

I promptly cancelled my account. I then called the same bank about my AmEx card and found out that interest rate has been raised to 30 %. I cancelled that account as well. 

However, this is telling me that all the credit card companies are starting to charge exorbitant rates. After doing some research, I found out that ursury laws only apply to banks and not credit cards. BUT since banks issue the credit cards, I believe they should be held to the same usury laws.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (TX)

I received an email from Allied Collection Services Inc. ( ACSI ) om XX/XX/2020 about a unverified debt with XXXX in the amount of {$2800.00} The email stated I was previously contacted by mail but I have not received anything from this agency until they somehow got my email address. 
I responded by sending a Debt Verification letter by certified mail on XX/XX/2020. I asked for why yo thing I owe the debt and whom I owe it?, The amount and age of the debt, and detail about the authority to collect the debt. This is a summary but there are 14 bulleted items they were requested to respond to. I received a signed return receipt that verifies my letter was delivered. 
ACSI responded by sending a letter dated XX/XX/2020 that only provided the original creditor name and amount. The letter status '' Pursuant to your request, we have obtained verification of the debt ; provided the requested information to you as require by law and have as result resumed collection activity in accordance with Title 15 U.S.C. 1692 ( g ).

The letter from ACSI does not verify that this is my debt and belongs to me. There has been no additional information and documentation provided. The letter ACSI sent as verification is the exact same information provided in the email.
Consumer complaint received 2020-11-11
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)

I filed bankruptcy in XX/XX/2020, XXXX was on my bankruptcy and my contract was null and void, this debt was discharged in XX/XX/2020. Experian shows a collection in XX/XX/2020 from XXXX, I filed a dispute with Experian and the dispute indicated the debt was valid. I tried to file another dispute and the website will not let me file another. I contacted Experian via email and all I'm told is to file a dispute on line. This is turning into a vicious circle, the debt was illegal, XXXX may not attempt to collect when and after a bankruptcy they are on, Experian knows this and refuses to correct the problem. This is my consumer information about me and should reflect true and accurate information.
Consumer complaint received 2023-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I had a car lease and a car loan with XXXX XXXX. It was paid on time and in full. My credit score was lowered due to no record of an installment loan or mortgage. The credit agencys information is incorrect since Ive had a lease and loan This does not show on my credit report. I have a notarized letter from XXXX stating I paid in full and on time. The credit agency refuses to accept it from them stating that they did not originally report it to them.
Consumer complaint received 2023-05-11
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. (CA)

Attached you'll find the identity theft report I filled out with XXXX XXXX. You will see the accounts listed on the report. 
XXXX XXXX {$850.00} opened in XX/XX/XXXX XXXX XXXX {$13000.00} opened in XX/XX/XXXX XXXX XXXX XXXX {$2700.00} opened in XX/XX/XXXXXXXX XXXX XXXX  {$13000.00} opened in XX/XX/XXXXXXXX XXXX  {$580.00} opened in XX/XX/XXXX The credit bureaus are reporting inaccurate information that doesn't pertain to me under 15 USC 1681. I am in the process of buying a house and it's also a defamation to my character and livelihood
Consumer complaint received 2020-11-11
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. (MD)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX
Consumer complaint received 2023-03-24
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. (FL)

I am not familiar with this company. I have never done business with this company before. I have never signed any contract nor taken out any loans from this company. What they sent me was proof of loan from XXXX XXXX bank. Which was charged off back in 2020. Due to financial hardship because of XXXX. I have also sent them several cease and desist letters Which they have felled to acknowledge. Ive also asked them to credit my credit report by removing the negative remarks.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (TX)

XX/XX/2023, I applied for auto financing online. XXXX XXXX XXXX Santander Consumer USA XXXX was the only lender that replied that I had been pre-approved for {$40000.00} auto financing. They told me to pick a XXXX dealer, which I picked the hometown dealer, XXXX XXXX. I communicated with a salesperson and told him I would be at the dealership on XX/XX/2023. I had chosen a vehicle within the pre-approved price range and we proceeded with the application. Many lenders ran my aplication and I was denied by every one of them, unless I was to put XXXX XXXX downpayment. 
This amounts to numerous Federal Truth In Lending and Equal Credit Oportunity Act violations.