davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete 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
Consumer complaint received 2023-07-17
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)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-02-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On or about XX/XX/2023, I sent a letter ( attached ) to Transunion notifying them of UNAUTHORIZED credit inquiries by unknown financial institutions that did not have any semblance of authorization to pull my credit. Since that time, now 5 weeks later, Transunion has yet to respond with anything resembling having done an investigation, corrected my credit report, and supplied an updated report.

As per federal law, credit reporting agencies are required to conduct an investigation within 30 days. Transunion, in typical transunion fashion, failed to do so, in complete noncompliance with the law.

Therefore I turn to CFPB to a ) seek remedy, and b ) ensure Transunion is held accountable.

Should transunion fail to correct the record, I will reserve my right to bring small claims action under FCRA
Consumer complaint received 2023-07-16
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)

I was looking at my credit reports and notice that There were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting in me for getting approved. I have already reached out to the credit bureau about these inquiries multiple times and they keep violating my rights under 15 USC 1681b right.I have attached hard inquiries That don't have no purpose to be on my credit reports.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Avant Holding Company, Inc. (MD)

This credit card company is called Avant. I was approved for a credit line of {$300.00}, I was satisfied with the amount, never asked for more or less. Until they started increasing the credit line up to {$1000.00} without asking me first, I wasnt aware of the issue because I was always busy in my daily life, took me a while to figure out. I contacted the company to put it back at the original amount where it was, but they declined the request. also the increase comes with high interest and fees. even though i'm still making payments, i realized that the amount never go down or i have no idea where my money is going. i can still be gentle and continue my monthly payments if they put it back to the original amount, otherwise that's the end.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I have called Citibank a lot of times now regarding the reverse charges. I reported those reverse charges since XX/XX/year> and until now they have not taken any actions to fix them. And also I noticed that they posted so much reverse charges that I reported because they were all not made by me.
Consumer complaint received 2023-07-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (FL)

A financial institution that identified as a debt collector, Santander Consumer USA, has bee attempting to collect money for an alleged debt. This company has called everyday non stop until I requested that they cease attempting to verbally contact me. They have only complied to stop verbally contacting me. However, this company continues to report derogatory remarks on my consumer file to the consumer reporting agencies. Pursuant to 15 USC 1666b, section ( a ) -Time to make payments, " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' This company has refused to cease reporting to the consumer reporting agencies even after I requested that they stop. They also threatened to seize my property even after I have notified them numerous times of their violations against my consumer rights. I have been in communication and in dispute with this company for 4 months now. They refuse to acknowledge any of the claims I presented even with the consumer laws to support. I have also notified the consumer reporting agencies as well, and their reinvestigation has not been impartial and fair with respect to the law. I will attach documents of their correspondences as well as mine.
Consumer complaint received 2023-05-19
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. (CA)

I have an open unpaid collection account XXXX XXXX XXXX.. the statue of limitations has past from the original creditor. i provided proof of the timeline by submitting copy of the last payment to cash central on XX/XX/2016, which clearly shows that this collection account should be removed. i requested a review of the dispute and the item remains on my credit report. i would expect them to provide some type of proof that would allow it to remain. 

i have made several attempts to have this item removed and have no other options but to file a formal complaint.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IN)

I'm a victim of identity theft. I have filed report with local sheriff 's dept and FTC. Both reports have been sent to credit bureas. I have been dealing with the same accounts and dispute results. I'm beyond frustrated and tired of not getting issues resolved. I have a few accounts reporting that are not mine period. These accounts are in collections. The accounts and collections are double reporting on my consumer reports. I have numerous phone calls and letters sent to credit bureas about all issues. This account for Community Bank /Victoria acct # XXXX is closed and written off and sold to a XXXX XXXX XXXX. They are both reporting on same account and have been since XXXX. I called Comenity they say they can't do anything about it. A letter was also sent to them 3 weeks ago. This is XXXX. I want to see them.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

On XX/XX/XXXX, I sent a letter to Fair Collection & Outsourcing , Inc for a VALIDATION of the information they had reported on my credit under the Fair Debt Collection Practices, 15 USC 1962 g Sec 809 ( b ). 
In general, the requested information was not provided and it is the supposed debt collector who has the burden of proof to establish precisely that this debt is mine as a consumer. 
The supposed collector sent a copy of the original creditor 's contract and said contract does not clearly state that he has a payment responsibility to the current doubt collector therefore he can not hold me responsible as a matter of law. Furthermore, I never initiated a transaction or gave him authorization to obtain information or report anything at all on my credit report. The debt collector and credit bureau must delete any non-validated information under the Due Process Clause of the Fifth Amendment.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This account was previously disputed as it did not belong to me they have refused to remove and validate the debt XXXX XXXX was previously disputed and confirmed not my account they are now showing under a different company XXXXXXXX XXXX Other reporting agencies have confirmed not mine and removed except experian. 

I tried to fix this for over 2 months and company does not remove I have attached screen shots to show previousl results when it was removed right after that it showed as a new collection with new open date and is now showing as a collection.
Consumer complaint received 2024-04-26
Product: Credit 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: Coinbase, Inc. (CA)

My dispute is with Coinbase.com They have arbitrarily frozen all of the money I have added into the Coinbase wallet from my bank account XXXX XXXX. 

My case number is XXXX apparently they have frozen my ability to buy, trade, sell or withdraw all funds for XXXX  days. 

Each time I have asked why they change their reason and give me a new reason that makes no sense. I have done my best by purchasing the premium version of their service, upgrading to their highest account security level, emailing them documents of proof such as my legal identification and written affidavits. 

None id this evidence is enough for them, they tell me my account is under review and will take XXXX days minimum to review. 

I need access to my money, my family needs access to my funds and they are arbitrarily holding my funds because they do not like to do business with XXXX XXXX which I discovered through online research. 

I need my account unfrozen immediately and restrictions lifted.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Adler Wallach & Associates, Inc. (CA)

Title 15 of the United States Code ( 15 USC ) section 1681 outlines the right to rescind under the Fair Credit Reporting Act ( FCRA ). This provision allows consumers to dispute inaccurate or incomplete information on their credit reports and request corrections or removal of such information. The right to rescind ensures that individuals have a means to protect their credit information and financial reputation. 

I have uploaded information about this creditor AWA it was removed before and was put back on my credit profile by law that is illegal for them to do that.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

A fraudulent request of my report and activity was done by XXXX  and as a result of identity theft, an unofficial account now shows on my credit report, only from Experian. I have followed the dispute process with both companies with proof of the fraud, but no action has been taken, in violation of FCRA.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

So there was over XXXX $ and then XXXX the second time while I was trying to secure my account with bank of America prepaid claims department. 
Claim status. XXXX and XXXX they were from back in the months of XXXX and XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

After the XXXX XXXX XXXX  breach and XXXX notifying me of what they found on the dark web. I called Equifax to freeze my credit. Under the pressure of trying to do the right thing they quizzed me for 20 minutes to verify my identity. Everything they would need to get into my accounts. They tried to sell me identity protection, which I got unset about. Afterwards they told me I did not need to contact the other XXXX credit bureaus. I found this very strange. I contacted XXXX and XXXX both AI ( no person involved ) I was asked basic questions and told me my account was frozen and in 5 minutes or less I was finished. 

This brought me to checking the reviews on Equifax. The XXXX A+ has to be bogus. I believe that a class action lawsuit would help those people, because I believe them. 

I could not understand the XXXX girl I was talking to and had to call my wife in because I thought it was just me. I got the print out from XXXXXXXX XXXX with the phone numbers for the three bureaus, but still I called Equifax back a second time to get a male XXXX. 

My call which was recorded took place today between XXXX - XXXX. XXXX
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (TX)

Back in XXXX of 2017 I contacted ProCollect as soon as I found out from the original company that my account was sent to them and paid approximately {$2000.00} which is the FULL amount of what I owed. I was told that the big XXXX credit reporting agencies would be notified. However, since then, not only does ProCollect continue to report this account, they report it as being delinquent!!! Because of this my credit score continues to suffer as they are showing the debt as continuing to be delinquent because they report it as such to the credit reporting agencies every month!!! I want ProCollect to stop reporting the account as delinquent on my report as of XXXX 2017 as that is when I completely and FULLY resolved this issue and paid them in full voluntarily!!!
These people are out of control and there needs to be tighter regulations on them having so much control over people 's credit health ... especially since they have very vial and hostile attitudes when you try to reason with them. They wield too much power ''! They just do mean and unfair things to people because they CAN!!
Consumer complaint received 2024-03-21
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. (TX)

this TransUnion isn't following up with improper use of credit monitoring. 
i have a paid account that has been reflecting paid in full for the past 3 months. and my credit score has drop XXXX points. 
i don't understand why, this can happen over and over. i attach a copy of the statements. 
i don't see occurring in the other crediting companies.
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NE)

Either the day before or on XX/XX/XXXX I was scared and tailgated by a XXXX  man with XXXX  hair all black sunglasses viciously tailgating me in my hometown. He had out of state Colorado License plates. That same day a collection suit was filed against me by a Jefferson Capitol Company. The Lawyer lives in Colorado. He did not put HIS OFFICE number on Court Documents. I filed an Answer to the suit. It is from a different company over 2 years old and they charged off the debt. I had paid them regularly on time for a long time. Getting a hold of this Attorney from Jefferson Capital was nearly impossible. They  fought/argued/were mean at the XXXX # he gave the Court as his #. They told me they would not let me talk to him. Demanded a ton of private personal information including my ENTIRE SS #. I finally did talk to the Colorado Lawyer who is suing me for a Minnesota Company-he did not care that I am XXXX  and have no income. I  have to do a Hearing and have been terrified all Summer. He Picked the Exact Day that I usually get my check on. Plus the EXACT MORNING HEARING TIME that I go outside to walk my XXXX  dog. I can hardly walk early mornings due to my XXXX. I believe he has stalked me and knows that. I asked XXXX XXXX of Nebraska for help they are ZERO help. This has scared me ALL Summer long. I pay my bills on time. This was an instance where they jacked up the payments to $ XXXXplus a  month and I tried to offer {$35.00} and they wouldn't take it. I feel this Lawyer who apparently does have a phone number was DECEPTIVE because it was never given on ANY COURT DOCUMENTS EVER. The Credit card charged off the debt already. He bought it. He is trying to get money from me that I do not owe Him. He had me Served on a Sunday. A Religious Day. ALL his Court documents " PRAY TO THE COURT FOR JUDGMENT AGAINST ME. '' Lawyer " PRAYS '' Against ME, I am a XXXX. This has been personal and terrifying.
Consumer complaint received 2023-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

My husband an I have tried 4 times to receive a loan modification with Welles Fargo for our mortgage. Twice they told our attorney that they did not receive XXXX packages of documents sent through certified mail and XXXX XXXX. On our third attempt they claimed the same thing and then on our last attempt they denied us. This started at the end of XX/XX/XXXX and ended at the end of XX/XX/XXXX. My husband experienced a very serious XXXX XXXX XXXX XXXX and XXXX XXXX  on XX/XX/XXXX. This placed an enormous amount of pressure on us financially which is why we applied for the loan modification. Welles Fargo were both delinquent and negligent in the handling of our request. They have also charged off our second mortgage so it has been difficult for us to refinance.We are working with a mortgage specialist to try to fix this, however we feel it is important to file this complaint as well.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (ID)

On XX/XX/XXXX I sent a letter to Bonneville Collection to help me understand what this account is and get them to verify the account. There has been no response from this company and have sent a letter on XX/XX/XXXX, XX/XX/XXXX. The balance has changed every month since I started checking my credit report on XX/XX/XXXX the balance was {$180.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX it was {$190.00} and my last report was XX/XX/XXXX of {$190.00} 1. This account shows collection show how is the balance increasing every month 2. Although it shows on my report that it was disputed there has been no reply from this company to any of my letters. How can this be