davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
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)

Im reaching out because I decided to look at my credit because I wanted to start the process of getting a home and I see some student loans on there that are not mine. I dont understand how this Is even possible being that I didnt even graduate high school so I dont know some student loans could be on my credit. I filed a complaint with the FTC like my friend advised me to and I contacted the police here. Im doing this on my own and need some help. The student loans are US Dep Ed, Dept of Ed/XXXX, DPT ED/XXXX and XXXX.
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I received a letter in the mail today XX/XX/XXXX from a collection agency stating that a letter was sent to my address 30 days ago and it is stating I owe money to XXXX, I do not owe the company any money or any item I have never received the company is more than aware of the matter, they have been communicated with since last year of XXXX and is requesting for money owed and my bank has already given my money back from XXXX almost a year ago. Please stop sending threatening letters and tactics from the collection agency that you all are sending false information stating I owe for an item you all are more than aware that I did not receive.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CT)

Barclays ( jetblue ) credit card deposited a {$3600.00} check that was sent from XXXX XXXX XXXX XXXX on behalf from a personal loan I applied for in order to consolidate credit card debt. Barclays has not applied the funds to my account yet they freely deposited it into their own account. Barclays said it will take up to 3 billing cycles to resolve the issue which will equate to late fees, credit delinquency, and accrued interest. 
My first goal is for them to apply my money to my account. I am now paying interest on the loan from Seasons and the credit card. The second is to hold them accountable for the fraud they have willingly engaged in, deposited funds without accounting for it.
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

I applied for a XXXX XXXX card when buying a plane ticket, the ticket price was not applied to the card. When i received the card, the plane ticket had already been cancelled and refunded. I did not activate the card. Later i received a notice about fees and past due account. I called. They said would be fixed and dont worry about it. I continued to receive past due notices. I have called them now 5 times, each time being told, don't worry, disregard, etc. Nevertheless they continue to send me past due notices so evidently it is not fixed. Leaves me no choice.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

THIS IS MY SECOND COMPLAINT! The first one was submitted on XX/XX/XXXX. 
I am a victim of the hurricanes that happened in XXXX, as well as XXXX. Previously, when I submitted my complaint it was regarding the credit reporting for XXXX  XXXX XXXX and XXXX XXXX. In reviewing a copy of my current credit report I find inaccurate information relating to both these accounts. I have tried contacting XXXX  XXXX XXXX and XXXX XXXX, as well as, speaking to the credit bureaus, Experian, XXXX  and XXXX  regarding this issue. No one is resolving the problem! 
First of all, the XXXX  XXXX XXXX account reflected on Experian was corrected after my dispute to show a charged off, closed account which was last updated in XXXX, XXXX as a charge-off instead of an update in XXXX, XXXX with a separate charge-off for the month of XXXX, XXXX, XXXX, XXXX. Now, today the account shows a status date of XXXX, XXXX with a balance updated XXXX, XXXX and two separate charge-offs for the months of XXXX and XXXX. The report shows a charge-off in XXXX, XXXX but does not show anything for the months of XXXX, XXXX thru XXXX, XXXX, then it shows charge-offs in XXXX and XXXX. This information is inaccurate and confusing! 
Next, XXXX  shows the account as a closed, charge-off account with a status updated XXXX, XXXX and charge-offs on the months XXXX, XXXX, XXXX, XXXX, XXXX. The account is closed. The charge-off was made in XXXX, XXXX. They should not continue to report a charge-off. Re-reporting the charge-off every month is ruining my credit. The hurricanes, the pandemic and this inaccurate credit reporting will end my business! 
XXXX XXXX  just continues to show the account as charged off every month. So far, for the months of XXXX, XXXX, XXXX, and XXXX, XXXX. They did not try to resolve the matter when I disputed it. 
PLEASE SEE THE ATTACHED DOCUMENTS.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

Good Afternoon, My bank XXXX XXXX XXXX XXXX, Had been reporting my credit under the wrong social security number, My social ends in XXXX, and they had been reporting under XXXX from around XXXX period. After multiple attempts, we were able to fix this issue and primary credit recording companies were notified such as Experian, and XXXX. They were notified back over last summer and had gone to a less direct route for inquires. After multiple attempts over the year, my credit is not accurate and not allowing me to check my credit. As the regulating agency can you please step in and help me fix this issue. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MN)

Mrs XXXX thank you for your response but Im not happy that your office did not send me proper notification via US mail stating that you needed verification of proof normally and per the FCRA you are to send a written letter to my home address indicating that you need specific information but I received nothing is why I file a CFPB complaint this is a violation of the FCRA I got your first requested letter in the mail saying that I needed to go onto your company website to submitted information to get a copy of my Lexius nexus report and thats what I did.I been sitting here waiting for 3 to 4 weeks now. I have enclosed the information via email via the CFPB Portal. Also I challenge you that you are reporting in accurate information on a bankruptcy chapter XXXX on my public record file about the file number! What I need from you is a certified statement writing from the clerk of court that you spoke with the clerk to verify this information. Per the clerk of court they do not provide information to 3rd party or any of the credit bureaus. Also this information must be on the US bankruptcy court letterhead. I also requested of you again to freeze my lEXIS-NEXIS credit report since I cant get a copy of my credit file and the negative information that is reporting on me. All information must be 100 % accurate. Please delete the public record from my credit file immediately. I have sent you what you asked for now I asked the same of you.ms XXXX I have enclosed another copy of my Identification along with a big white envelope that states LEXIS-NEXIS at the top showing that you did send me the information but there was no indication that you needed identification so typically this is a failure to respond on your behalf XXXX  XXXX  XXXX  states that they got the public record information from you is how I know that you are reporting and furnishingIn accurate information please be respectful and send me all the information requested thank you so much
Consumer complaint received 2021-07-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Westlake Services, LLC (TX)

Westlake Financial froze my bank account and now I cant pay my everyday necessities or buy food or put gas and I cant pay my bills either its causing me a lot of stress and financially anguish and its made it a hardship too, not only am I going through the debt collection due to this people but I am going through child support too to make matters worse.
Consumer complaint received 2021-08-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

his complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
Consumer complaint received 2021-08-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (MO)

On XX/XX/2021 I received a threat from Bridgecrest, letter titled " Notice of right to cure and intent to repossess '' as shown in ( Exhibit 1 ) attachment, which is a violation of the following consumer rights : Title 15 USC 1692c ( Communication ).

Title 15 USC 1692d ( Harassment or Abuse ).

Title 15 USC 1692e ( False of Misleading Representations ).

Title 15 USC 1692f ( Unfair Practices ).

Title 15 USC 1692h ( Multiple Debts ).

Title 15 USC 1692j ( Furnishing certain deceptive forms ).

Title 15 USC 1605 ( Determination of finance charge ).

Title 15 USC 1635 ( Rights of Recission ).

Title 15 USC 1662 ( Advertising of down payments and Installments ).

On XX/XX/2021 I submitted a complaint to CFPB concerning Bridgecrest violations of ( TILA ) & ( FDCPA ) exercising my " Right to Rescind '' and still have not got a respectful response. CFPB Complaint Number # XXXX - XXXX. Also, Bridgecrest have received all documents concerning this legal matter via USPS with Evidentiary proof of service as shown in the attachments. To conclude, Bridgecrest has 3 days to comply or legal action will be taken as shown in attachment.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KY)

Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account.

I want you to know that I understand, and have great respect for my financial obligations.

Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify.

In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
XXXX XXXX
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account.

I want you to know that I understand, and have great respect for my financial obligations.

Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
XXXX XXXX
Consumer complaint received 2023-01-23
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. (HI)

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX {$2500.00} XXXX {$1500.00}
Consumer complaint received 2023-07-26
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. (TN)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX 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 2021-07-25
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. (CA)

On XX/XX/XXXX, I checked my credit score on Experian mobile app, my credit score was XXXX. On XX/XX/XXXX, I applied for a XXXX XXXX XXXX credit card. It was approved and received a {$5000.00} credit limit. 
On XX/XX/XXXX, I received my new credit card. It had some documents with my credit score, it showed XXXX ( source used Experian ) It doesnt make any sense. How could I get this corrected? 

Thank you for your time. 

XXXX
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I keep disputing with Portfolio Recovery Associates telling them that the debt isnt mines for a few years and they keep trying to tell me that the debt is mines because of old statements from the creditor. I explained to them in numerous letters that they can not validate this debt with old bills to please send me written proof with my signature on it. They refuse to do as I ask them and ignore what Im saying and continue to send the old bills to my house.
Consumer complaint received 2021-04-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I am submitting this complaint due to no communication regarding a status on a investigation from Equifax. I wrote Equifax on XX/XX/2021 about 4 inaccurate items on my credit report. I provided everything they needed for a investigation and again I am supplying it her in this complaint. In the beginning of XXXX I was told after going through the verification over the phone that my disputes have been received but could not tell me whats going on expect its in progress so I sent another letter on XX/XX/2021 to see if I can get a response in writing. It is now XX/XX/2021 almost 2 months since my first complaint and still nothing. It's been 2months since my first request and this company keeps reporting inaccurate information in my credit report. This is taking way to long and effecting me in more ways than one. please delete these inaccurate items from my report
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KY)

Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account. 
I want you to know that I understand, and have great respect for my financial obligations. 
Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
XXXX XXXX