davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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
Consumer complaint received 2020-01-03
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)

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

The case is about refund of XXXXmonth wrongly charged monthly account maintenance fees of {$320.00} by Bank of America XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, OK XXXX. The branch actually wrongly charged me for the fees of XXXX-month ( for the period from XX/XX/XXXX to XX/XX/XXXX ), and didn't deny the errors it made, but only refunded me for XXXXmonth fees charged to me for current year ( Year XXXX ), saying its computer system only allowed them to make current year corrections. After I talked with several branch officers, including XXXX XXXX, the financial center manager, they said their internal investigation of my case was completed, and refuse to pay me the rest XXXXmonth wrongly charged fees. I disagree with the branch 's decision and hope your bureau can help me to get my money back.
Consumer complaint received 2019-12-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I have not had any hours at work and have been unable to pay my payday loan back to Easy Money at XXXX XXXX XXXX XXXX in XXXX TN XXXX. They have called me repeatedly and I have told them I do not have any money for repayment. 

On XX/XX/XXXX, they contacted my place of work and I was reprimanded by my boss for them calling. I called the store and requested they never call my place of work again. 

On XX/XX/2019, they once again contacted my place of work. 

On XX/XX/2019, my boss contacted me to let me know he would not be needing me for the next several weeks. When I asked why, he implied that I was not financially stable and needed to take care of my home life. 

Easy Money has continued contacting my place of work and my personal cell phone. Each time I tell them that I do not have any income. 

On XX/XX/2019, they once again contacted me. XX/XX/XXXX fell on XXXX XXXX this year. The call was incredibly inconvenient and I was forced to answer in front of family and friends during our holiday. It was very stressful and irritating.
Consumer complaint received 2020-01-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2023-06-28
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. (MI)

Received a notification from transunion that a company named XXXX XXXX XXXX XXXX obtained a copy of my credit report, I never provide a wet signature or authorization for this company to obtain my credit.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Federal Credit Control, Inc. (MD)

Hello, my name is XXXX XXXX and on XX/XX/2022, First Federal Credit Control placed two collections on my account for a medical debt. I paid the debt for both accounts in full on XX/XX/2022 and this company agreed to delete the collections from my credit. The total amount was {$230.00}. The numbers for both the accounts are # XXXX and # XXXX. I would like to have these accounts removed from my credit immediately since it is severely impacting my credit score.
Consumer complaint received 2021-06-03
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)

I checked my credit file with the three main bureaus : XXXX, Equifax and XXXX  and I noticed I have a lot of unauthorized fraudulent inquiries on my credit file. I did not give these companies permission to access my credit file. I filed an identity theft report with the Federal Trade Commission, I need these inquiries deleted immediately from my credit file. According to the Fair Credit Reporting Act these fraudulent accounts must be removed within five days of my request
Consumer complaint received 2021-11-24
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. (PA)

The XXXX XXXX  account listed on my report has been cancelled. The bank issued a 1099C and the account has been filed as earned income. Since the account has been filed with the IRS the account status is now earned income. INCOME IS NOT REPORTED ON CREDIT PROFILE. PLEASE DELETE IMMEDIATELY. 

This is a violation of 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

If account is not DELETED IMMEDIATELY I will take legal action to for negligent or willful noncompliance with the law.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let the payments lapse on this account with XXXX XXXX ( XXXX XXXX XXXX ) but when I was able I paid the account off in full. Which was this year XX/XX/2019. I paid a total of XXXX for them to update this account to reflect positively for me and nothing has happened. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The XXXX XXXX ( XXXX XXXX XXXX ) account has been paid in full, I would like them to update the payment history or just remove the account please so my score can increase and I can move forward with helping my family properly. I will attach the paid in full receipt letter that XXXX XXXX ( XXXX XXXX XXXX ) sent me to this complaint. It's paid so please help me out and update the history of this account so I can better our future.
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern I have what I believe is a very simple problem XXXX  shows all my accounts but transunion and XXXX   do not show. I will show you current screen shot of XXXX. Hope this  can be resolved asap
Consumer complaint received 2020-01-03
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. (GA)

I recently reviewed my Experian credit report and noticed fraudulent accounts on my credit report. I have sent Experian several correspondence such as FTC Identity theft report and police report stating that these fraudulent accounts are not mine but Experian refuses to block and remove these accounts. I have attempted to upload documents on their online portal www.experian.com/upload but every time I call them to verify documents received, they always tell me that the documents are illegible. At that point, I started just mailing the documents and still they are not blocking and removing these fraudulent accounts under FCRA within four days. Therefore I am reaching out Consumer Financial Protection Bureau to help resolve my issues with Experian. I am requesting for these following fraudulent accounts to be removed and blocked immediately under FCRA : 1. XXXX/XXXX  Account # : XXXX 2. XXXX XXXX  Account # : XXXX 3. XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2022-12-27
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. (TX)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.
Consumer complaint received 2022-12-27
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. (TX)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I have received a bill from Citi bank regarding Citi Aadvantage card in the amount of {$290.00}. The bill was for the billing period of XX/XX/20-XX/XX/20. I have send a check using my XXXX  XXXX XXXX account and paid the bill on time. The money was taken of from my XXXX XXXX XXXX account, but Citi bank keeps sending me bills and saying that I didnt pay them the bill. They keep adding late fees. I have contacted my bank as well as Citi bank and Citi bank has informed me that they do not know where the payment went, they cant locate it. I have sent multiple letters to Citi bank showing that I have paid the bill and money was taken from my account but Citi bank just keeps sending me bills for that same amount of {$290.00} and keeps adding late fees. I do not know what to do anymore please help me resolve this problem. I have attached some of the documents from my correspondence with a bank. I can provide more since its been going on for 5 months now. I am very tired of sending them proof and would like the issue resolved as soon as possible.
Consumer complaint received 2020-06-11
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: Navient Solutions, LLC. (MA)

Hi, I tried to contact you about this late payments on my payment history, I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this. 
DPT ED/XXXX
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following accounts reporting on my TransUnion report has the following inaccuracies and are in violation of my rights per CFPB Account # XXXX XXXX XXXX  is charged of with past due amount, Account # XXXX XXXX XXXX charge off with past due amount, Account # XXXX XXXX XXXX charge off with past due amount and account type open, Account # XXXX XXXX XXXX charge off with past due amount TransUnion is in violation of 15 USC 1681s ( 2 ) ( A ) ( 1 ) a person shall not furnish ANY information related to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe the info is inaccurate. Accounts follow.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This is a follow-up to prior complaints. I have a mortgage with Select Portfolio Servicing. I became delinquent on my mortgage account and successfully completed a 12 month repayment plan, of nearly {$2800.00} per month, in XX/XX/2022. Please keep in mind that this repayment plan amount is double my normal monthly payment. When I entered into the repayment plan, I was advised that I could file a loan modification at any point during the repayment plan period. When I was approaching the expiration of the repayment plan, I applied for a loan modification. I was denied a loan modification by SPS, stating that I must wait until the completion of the repayment plan. Following the successful completion of my repayment plan, I submitted another loan modification application. I was denied. I issued a similar complaint with your office and was offered another repayment plan of the same amount, nearly {$2800.00} per month. I contacted the Obudsman Department at SPS, and spoke with XXXX. XXXX stated that he would request a lower repayment plan by extending the term. I contacted SPS for over 3 weeks, as I did not receive a response from XXXX, and could not reach anyone. I continued to leave voicemails and send emails. I finally spoke to someone on today 's date who stated that my reduced payment request was denied. The payment under the repayment plan is excessive and does not solve any problem with the mortgage as it ends with a balloon payment, which can not be fulfilled, as to why I was directed to file the loan modification with the original repayment plan, which also ended with a balloon payment.
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rolfe & Lobello, P.A. (FL)

This debt collector Rolfe and Lobello is in direct violation of my privacy right by contacting my employer XXXX XXXX which in turn shared my information with adp a payroll  company to garnish my wages for twenty - percent per pay period until debt is paid in full. I did not authorize my personal info to be shared by anyone which is a violation on XXXX  act. The balance is intentionally being reported with incorrect info from rolfe and labello as of this email my balance is XXXX they are reporting my balance at XXXX which is inaccurate. per these violations i am asking for garnishment to be dissolved and all money be returned asap
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/202, i noticed a fraudulent transaction on my Frontier Master Card account ending with XXXX for an amount of {$27.00}, I reported that to Frontier Master Card Customer service who made me wait 2 hours and then a XXXX lady answered the call and was reluctant to provide her name and emp ID or any identification ID and refused to take my complaint saying that Fraud dept is closed today and she is the only one available today, I told her this is a multibillion dollar bank how can there be only one employee working on sat, it is usually 24/7, After 45 min of explaining her situation she finally transferred me to a manager at Barclays in USA, I told her about this fraudulent transaction from XXXX XXXX XXXX  XXXX and she blocked my card and marked it fraud pending investigation. 
Exhibit A - On XXXX XX/XX/2020 I received a mail that I have been credited the {$27.00} Fraud disputed amount from XXXX XXXX   XXXX XXXX please check exhibit A and confirmed that account has been closed Exhibit B - On XXXX XX/XX/2020 after a month I received a letter that the Barclays investigation dept has determined that XXXX XXXX XXXX  XXXX  {$27.00} is a valid transaction and therefore its re posted, XXXX XX/XX/2020 again after waiting 2 hours on hold and requesting the XXXX agent to please let me talk to manager which she would refuse or try to disconnect ( attached Call log ) I was able to talk to XXXX who refused to re open case # XXXX and told me to fax more supporting docs to them again to review but at this time they cant help, I told them to go to XXXX website and see for themselves it been shut down by the XXXX Govt and its an XXXX website and there is no customer service operation when you call them it says it has been disconnected, I provided all the hard evidence to show that this was indeed a fraudulent transaction but they refuse to help me and never responded back saying case is closed
Consumer complaint received 2020-01-01
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. (MD)

My information had been exposed during XXXX XXXX data breach and I began looking into my credit report in XX/XX/2019. I've sent 4 rounds of letters to all three credit bureaus to remove fraudulent unverified accounts on my credit report and Experian and XXXX  have refused to remove accounts on my credit profile that I listed in 4 rounds of letters. I sent all my letters certified and notarized and have proof that they received my letters IN ADDITION to a police report for identity theft AND documentation showing XXXX  removing the unverified accounts. 
I sent all credit bureaus 609 letters to enact my rights under the FCRA and Experian and XXXX have refused to remove unverified fraudulent accounts. As recently as XX/XX/2019 both Experian and XXXX  unlawfully reported a collection account on my credit report from 'XXXX   XXXX XXXX XXXX whom I have NEVER conducted business with nor entered into any agreement. Additionally, their reporting of this collection account resulted in a loss of 34 points in my credit score from XXXX  and 6 points from Experian.
Consumer complaint received 2020-06-11
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. (CA)

SOMEONE USED MY IDENTITY WITHOUT MY KNOWLEDGE THEY RECIEVE MEDICAL ATTENTION ALSO SUMMITED FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT AND KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On  XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.