davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00}
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, {$500.00} REPORTING LATE IS INCORRECT ANS AGAINST LAW
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a credit freeze on my Transunion credit report. They are letting entities still get through credit free e. I.sent them a FCRA XXXX and a XXXX to show me how these banks are getting through my credit freeze I tried calling them in XXXX but the XXXX hate Americans and lie straight to me 3 times to get me off the phone. This is outrageous. These XXXX reps actually either hate Americans or they just don't want to do their jobs. This is illegal.
Consumer complaint received 2022-11-05
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. (CA)

In accordance with the Credit Reporting Act XXXX  Account last numbers XXXX reported by XXXX reported for the months of XXXX & XX/XX/2017 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc. (GA)

My account was marked as restricted and Ive been unable to move or withdraw funds since early XXXX. I have thousands of dollars in this account that I am in serious need of and CAN NOT ACCESS. I spoke to them on the phone numerous times and sent numerous messages through their customer support chat. I was told the restriction would be removed by XX/XX/XXXX. This did not happen. I called many more times, and the issue was never resolved. On XX/XX/XXXX, I requested to close the account and have my money withdrawn or transferred out. I was given no response. I filed a complaint via CFPB, and they responded on XXXX indicating that they would close the account and return my funds, but this also did not happen. No one from the bank has attempted to contact me, and I'm unable to get through to them.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

My child support which is now closed has a collection status with Experian and no other reporting from either XXXX or XXXX. It's showing as current. In the comments of Experian 's reporting it reads, Current account/was a collection account, insurance claim or government claim or terminated for default. What does this mean? This is completely inaccurate information and must be deleted immediately. There is no Payment Status whatsoever as my child support is closed and there is no indication of collections ever existing on it. The letter sent from the XXXX Department of XXXX XXXX states, There are no past due payments outstanding. 

CHILD SUPPORT ENFORCEM : Account number : XXXX
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MN)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I have disputed this account twice with Equifax. There has never been a proper investigation done. The only thing the company did was send me my credit report with the account still listed. The account does not belong to me. I asked for it to be verified and they did not contact the company just sent me my report 2-3 days later. How is an investigation properly done so quickly?
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (CA)

Look XXXX of XXXX XXXX  sold me a car and promised an inspection with the contact and warranty upon receipt yet I paid on XXXX  of XXXX and picked up a few days later but I received XXXX paperwork as required upon sale and the inspection or car faxs were refused when I picked which XXXX the salesman garanteed verbally and the the other ssles man XXXX was sent the inspection sheet and was told by his boss to refuse about 2 weeks later a crack in windshield showed up and XXXX was going in and out and the XXXX  and XXXX XXXX  patients I drive for medical rides for XXXX were scared when I was sliding around corners I took it to XXXX which gave what they said was an inspection sheet and a copy of an invalid warranty they refused to honor the windshield had to be replaced cause XXXX  said I did it so I claimed it and XXXX and XXXX XXXX  will tell you it was sealed then popped out after sale then the safety features on the car went out and I backed into a car was told by XXXX  to take the car back after I disputed it and filed a complaint to ftc for it and the paperwork they gave me that day I got stolen and had to write a report to the police department in XXXX using my kids address at XXXX XXXX. But I couldn't pay consumer portfolio services cause I didn't any of there Information cause XXXX refused to give it so like a few days after my bill was due in XXXX a worker for XXXX  kept calling me at work with passenger in my car saying all my financial Information and private business and telling what I'm going to do and when like he was the bookie I don't like being strong armed so I offered to drop the car to them since I was already in XXXX XXXX they said no just wait and see After I returned the car to XXXX XXXX  gave me my deposit back which they returned to XXXX the contract I signed I was put down as cosigner and since the warranty wasn't even valid according to the manager at XXXX of XXXX XXXX XXXX who said there was no active warranty on the car so I theu signed a release of liability on the car through XXXX and California government agreed so the car is in XXXX XXXX name who was told to do the same but refused the XXXX  hit my credit like 20x without permission after first attempt and now XXXX put a claim on my XXXX XXXX auto insurance cause XXXX never got a contract or quote from XXXX or XXXX so they refused to pay but they paid for the orher car cause also they said I had no passenger but I was on my way to one before the accident then I had to cancel cause of the accident but there ruining my credit and go after me but not XXXX and not XXXX XXXX who according to XXXX is sole owner I needed a print out to prove that for disputes like this but XXXX  said I had to contact XXXX  for that
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : I found that your agency has prepared my consumer report with inaccurate information ; which is a direct violation of 15 usc 1681e ( b ). The FCRA states that you have a duty to assure me that information being reporting will always be 100 % accurate and you have failed. 
XXXX : XXXX XX/XX/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 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 I have faith that you will complete a full, proper, and legal investigation as described in the FCRA. After you complete your investigation please mail an updated credit report with all the changes to the address listed above. This investigation must be completed in 30 days once you have received this letter. According to 15 usc 1681i ( a ) ( 5 ) ( A ) inaccurate or unverified able information must be deleted once your investigation is complete.
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MI)

On XX/XX/2010 a process server served a XXXX XXXX with a Case # XXXX that individual had a debt with XXXX that individual passed away in an affidavit filed with the court The same case # XXXX was then also used on XX/XX/2010 for a debt to Citibank for me I had done a motion with the court and advised of this and the judge decided it was a typo and didnt want to look at the case because I didn't show up to court back in XXXX. I was not properly served the same case number was used for 2 different judgments on 2 different people. XXXX XXXX has overcharged on the debt and retroactively imposed interest charges I have called and tried to do a settlement but they refuse to settle for less than the full balance. Now in a pandemic and am being garnished and it is causing a hardship
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MI)

This should settle the issue anout the sole credit card on my credit report, by Equifax. Notice the key words " up to XXXX years '' : " XXXX XXXX XXXX You are here : Finance Blog Home XXXX Credit XXXX FAQ : How Long Does Information Stay on My Credit Report? 
Stay financially savvy with the Equifax Advisor. 
Sign up for our FREE Monthly Email Newsletter FAQ : How Long Does Information Stay on My Credit Report? 
Written by XXXX XXXX on XXXX XXXX, XXXX in Credit | XXXX comments Credit report informationHow long does information stay on my credit report? 
By XXXX XXXX In our regular surveys of consumers who come to the Equifax website and who call our call centers, this is by far the most asked question. 
It 's understandable, given how credit is so important to someone 's personal finances. Mostly, consumers who ask this question are concerned about how negative information like bankruptcies, judgments, and late payments affects their credit history and score. 
Luckily, there are set time frames for how long negative information remains on a credit report. In general, negative information more than seven years old from the date of last activity ( ten years for bankruptcies ) must be removed from your file. 
When it comes to a credit history and score, consumers often mistakenly believe that any negative information in their credit report comes from the credit reporting agency. 
In fact, all information, both positive and negative, is reported to the XXXX nationwide credit reporting agencies by lenders who have granted you credit, is included in public record information, or is reported by collection agencies. Credit reporting agencies compile this information and lists it in your credit report. 
Here 's a rundown of how long certain types of credit information will remain on your credit history : Credit Accounts Accounts paid as agreed generally remain on your credit file for up to ten years from the date of last activity ( DLA ) .... '' So this is simple. In XX/XX/XXXX, there is zero reason for any reporting on the XXXX XXXX XXXX account that was never owned by that bank at any time ; was closed XXXX XXXX by me and closed by me ; had no activity since ; had no payments or balance since the ten-year benchmark. This is fraud and wrong and should never been put onto my credit report. After investigation and reinvestigation the date itself - XX/XX/XXXX - obviously not to be reported whatsoever. There is no purpose for it. Moreover, if there was any " activity '' XXXX XXXX XXXX told me they did not furnish it. Someone else did? Who? When? What? How?
Consumer complaint received 2022-11-06
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: 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 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, 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 2023-06-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinebrook Holdings, LLC (NM)

Blue frog is on my report I have contacted them several times including today XX/XX/23 at the XXXX to let them know that the account is not mine iv never got an online loan with them they tried to verify me and it was wrong information when the lady stated she wanted to update my information I said no because the account isn't mine
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX this person on XXXX. I was lured into this website site XXXX XXXX XXXX XXXX XXXX by this person from XXXX XXXX XXXX XXXX XXXX XXXX ). I Deposited money using international money transfers apps ( XXXX, XXXX XXXX, XXXX, XXXX, Wise ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax refund procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research on the scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : https : XXXX. Please help me, what should I do to get my funds back. I have started transactions starting XX/XX/2022 including with my other banks.
Consumer complaint received 2022-09-16
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}
Consumer complaint received 2020-01-09
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. (TN)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

My Great Lakes is charging interest during forbearance. I paid all outstanding interest on all loans. There was a {$0.00} interest calculation on my account summary page the last time I made payments of {$500.00} and {$5500.00} on XX/XX/XXXX and XX/XX/XXXX. Now, I see interest totaling {$110.00}. How can interest go from {$0.00} to {$110.00} in three weeks if the interest rate is 0? They claim this is interest accrued prior to XXXX. Since all interest had been paid previously ( I have screen grabs ), I can only gather that that this is an honest error that they have refused to correct to date or its a falsification. 

Also, if you look at the payment history, you see an interest balance of {$0.00} on the Grad Plus loans and an interest balance of {$2.00} on the Stafford loans. First, the {$2.00} charge is wrong given forbearance, but what about the discrepancy between {$2.00} and {$110.00}? They claim the {$110.00} charge is due to the way I chose to have payments allocated between loans. However, this can't be true because ALL interest was previously paid. If no interest is accruing, and all interest had been paid, how can you back charge me interest with no accounting to show how you got that number? 

This is the second time interest has gone from XXXX to a balance during this forbearance period. You can't continue to back date interest.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

Hello, My credit limit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was around $ XXXX. For the past few months I'm barely making my minimum payments. I made a loan to pay my credit cards. I made a payment last XX/XX/XXXX of {$1500.00} then another one on XX/XX/XXXX of {$220.00} to pay all my balance and will start using it again frugally and earn cash rewards. I called ( Synchrony - issuer of credit card ) and asked them why my payments are not yet posted on my credit card and I was told that it's in the process but told them that it's been more than 5 days and the two payments I made are not yet in my credit card. I paid off my balance in good faith knowing that I can start using the credit card with caution. Then I received a letter in my email from Synchrony stating that they are lowering my credit limit to just {$250.00}. Why they only do that when I paid my full balance? they can just send me that letter before and I will do my best to pay the balance overtime but not at the expense of my paying the full balance. I think this is a deceiving tactics by the credit card company and it's not fair to the consumers per se. 

Thank you. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Credit Card # XXXX XXXX XXXX XXXX XXXX # ( XXXX XXXX XXXXXXXX  ) : XXXX email : XXXX XXXX