davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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)

Dear XXXX I was instructed by XXXX to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to XXXX and Experian as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX XXXX has altered the date of an account opened from comenity bank on an account I never authorized. I tried to contact the company but was met with extremely rude service and hung up on 4 times. the woman I spoke to XXXX, informed me that this debt was from a XXXX  credit card opened in XXXX  but magically was reported on my credit report as being opened XX/XX/XXXX of XXXX this company is illegally altering dates. I asked for an original contract to be mailed, I asked for a bank account number to match to mine, and I was met with " pay your bill and this won't happen ''. even IF this account was in fact mine. the statute of limitations and the FCRA limitations have long passed. what this company is doing is highly illegal.
Consumer complaint received 2023-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

Hello, My PSLF application was submitted to MOHELA on XX/XX/XXXXXXXX. It was confirmed receipt by MOHELA reps on two separate phone calls and the fax confirmation as well. The first call the representative confirmed receipt and said the log in information would be mailed within 90 days of XXXX/XXXXXXXX 

On the third phone call in XX/XX/XXXXXXXX  it was simply stated there is no timeline to even receive a log in to check on the status of processing. XXXX XXXX, my current loan servicer, confirmed nothing has been received from MOHELA
Consumer complaint received 2023-02-06
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. (MO)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Amount : {$1300.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  Omg, this is not my account. I did not make these charges. This is horrible.
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (MO)

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$3900.00} US DEPT ED XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I have years with this account, and always have a auto-pay for 2 years when I log in into the account they said I have to pay XXXX. When my last purchased was 2 years ago of {$500.00}. I told they I need the statement, they said them dont have it. Then the company comenity bank has a problem with the sytem, so I cant log in for 3 months. They put the bill more and more big now I have to pay XXXX when I have 2 years without but anything and with a autopay
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX I previously sent a verification letter via certified mail regarding inaccuracies on my credit report. Despite their form of verification, the attached screenshots indicate the information remains inaccurate. This persistence is a direct violation of Title 15, Section 1681 of the Fair Credit Reporting Act ( FCRA ). I urge immediate correction of this error as mandated by federal law to uphold the accuracy and integrity of consumer credit reporting. Your swift attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am reaching out because there is a ticket on my Lexus Nexus report that needs to be disputed and removed. I was just informed by my insurance company today, XX/XX/XXXX, that there was a ticket, private ticket on private property reported to my report with Lexus Nexus, for XX/XX/XXXX. I was never informed there was a ticket by Lexus Nexus, I was never ticketed on public or private property, and this is inaccurate information. 

Regarding XXXX. I am highly upset with them because they never informed me that they were raising my rates and they did this last month. I initially thought this was a late fee, but I called and they told me they raised my rates about a ticket that should have never been reported and is inaccurate in the first place. I was never informed by XXXX that they were raising my rates or anything. I am very dissatisfied by this. I feel like my rights as a consumer were violated.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I financed my 1st car with Credit acceptance not knowing how much pain and suffering this company would put me through. Originally, this car was priced roughly {$13000.00}. Credit acceptance added a 20 % interest rate, making this car over {$22000.00}. I was struggling to pay my car note of almost {$400.00} every month along with my car insurance. I became XXXX and was working extra the whole time just so I could be able to pay my car note and try to save extra money to cover the future payments after I had my baby. Eventually, I ran out of money and had to make the hard decision of voluntarily surrendering the vehicle. Fast forward, I am now being sued for the deficiency balance plus additional fees and interest totaling over {$7000.00}. I am XXXX XXXX, single mother and have no assets. I have no money to give this company and I do not feel that they deserve another XXXX from me after experiencing how this company takes advantage of their consumers.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (GA)

I did not authorized these inquiries and they were done in fraud. I have included the identity theft report also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updates as soon as possible. I have not nor have ever received and/ or authorized the release of any goofs or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report be provided along with all pertinent information relating this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XX/XX/23 XXXX am I received an email that a XXXX transaction from XXXX had occurred. Immediately on the morning on XX/XX/23 I took the time to call XXXX and inform them that it was not my transaction and start the process of shutting that card down and filing a dispute. The individual shut down my card however, told me he could not assist with my dispute, I had to wait for the item to post and then call XXXX. 

XX/XX/23 XXXXXXXX pm I finally took time out of my busy day ( XXXX ) to call the number provided to file my dispute. However, the process was not as easy it sounds, after trying to verify myself in their phone system and then speaking to XXXX individuals, who it was not their job and they needed to transfer me, it took XXXX plus minutes and I gave up. 

It sounds silly to file a dispute for XXXX cents and to file a complaint with the CFPB over XXXX center, but I have to wonder if they treat all of their XXXX XXXX  claims this way, do they make it difficult so you just give up. 

Well I am giving up and the XXXX cent experience is costing XXXX a customer. You see my money sits there earning very little interest ( in todays rate environment ), so my next move with XXXX will be a visit to a local branch to close my accounts and move them to a bank with an attractive offer. Had my XXXX cent experience been a pleasant experience then my accounts would have remained there costing them very little interest. I know I am not their " BIG '' depositor but I do talk banking in my circles and I will share my story.
Consumer complaint received 2022-01-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Account resolution services XXXX XXXX XXXX XXXX BXXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL XXXX This is definitely a fraudulent account I am disputing this as well
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX 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 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NJ)

When I reviewed my Barclays credit card statement on XX/XX/2024 I noticed that my credit limit was lowered your credit limit lowered lowered from {$14000.00} to {$10000.00}. This created a situation where I now owed more money than my available credit limit. 
On XX/XX/2024 I received a letter dated XX/XX/XXXX staying my credit limit was with now {$10000.00} with no notice. 

I called the next day to ask why I wasnt provided with any notice because it changed my ratio of available credit the rep told me it was because I was a risk. I asked to speak with a supervisor because I wasnt provided notice. He said he was a supervisor. I asked to speak with his supervisor and he said he would have to have that person call me back. I waited a couple days no one called me so I called them back again and told them I would be reporting this to you, the CFPB, and they said they could no longer speak with me and hung hang up. 

Since receiving the letter, I have now paid {$1900.00} on my balance in order to avoid the fees associated with being over the new credit limit Barclays just imposed on me. 

Because of this, my other creditors are now lowering my available credit limits, because Barclays caused my credit score to go down. 

Today XX/XX/XXXX I received a letter from Barclays claiming theyve been trying to get in contact with me and trying to reach me by phone which is a lie, they have never called. 

I would like this to be investigated as the FCRA requires credit card companies provide 45 day notice of credit limit changes and interest-rate changes.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (TX)

After being on the phone with an agent that could not verify my information this account was almost 10 years old and they still were reporting it to my credit which was a violation of my consumer laws which after 7 years an account should not be still on my credit report. I paid the amount that the agent agreed and In writing, she agreed the account would be removed from my credit report not reported as closed this was a violation of the written agreement that me and the agent if this company both agreed to and now I will be escalating this problem to higher authorities for this matter.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

on XX/XX/XXXX I filed a dispute with all three credit agencies asking for an investigation about the balance reported incorrectly, the close date missing, the date of the last payment missing, the charge-off amount was reported to Equifax XXXX and reported to XXXX & XXXX for {$2900.00} after this account was charge-off and closed on XXXX for the amount of {$2400.00} on XXXX, the company illegally add an extra {$480.00} dollars after requesting proof of payment history, the company sent me a transaction history with no explanation or record of the added {$480.00} dollars and all the extra data for the payments missing. 
XXXX XXXX has reported my account XXXX times 90 days late to Equifax and XXXX I need to find out what happens with all the data for payments that are missing in XXXX, XXXX, Equifax please help me resolve this abuse by this company and make sure the information is reported 100 % accurate. 
to all of the credit agencies. sorry about my grammar but XXXX is my second language I will attach a copy of all three credit agencies ' reports for your review.
Consumer complaint received 2024-03-21
Product: Credit reporting 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. (TN)

Per the Fair Credit Reporting Act, you are in violation of Sec. 604 Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. 



Upon receipt of my credit report from your agency on XX/XX/XXXX I noticed that my credit report has been accessed by the following Name, Requested On, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
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: Experian Information Solutions Inc. (FL)

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 XXXXXXXX, Account name : XXXX  XXXX XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX  # XXXX name : XXXX XXXX XXXX XXXX, ACCOUNT # 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.