davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (WI)

I contacted XXXX  XXXX XXXX  In XXXX, WI to figure out why they are populating on my XXXX  XXXX all but, no other credit reporting agency with no response. Email was sent out and a Voicemail was left. I contacted the XXXX  that reported it and they confirmed they do NOT have any out standing debt or collections out for me. I attempted to reach numerous parties with no response. I am not seeking the next level of action.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank left two voicemails for me today in which they claimed I owed because of a recent dental procedure I had. I have not had a recent dental procedure, outside of a cleaning which I paid for in full at the time. I called them back and spoke with 3 different people, only two of whom provided their names. One was named XXXX and one was named XXXX They both sounded like women. Neither would provide their last names. I explained the situation and was asked to verify my social security number and other confidential, personal information. I did not verify this information as I do not know who I 'm dealing with. Because I would not verify the information, I was told I was not cooperating with their attempts to help me and that I would continue to receive harassing phone calls.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}
Consumer complaint received 2022-05-05
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. (PA)

I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  XXXX 5. XXXX 6. XXXXXXXX 7. XXXX 8. XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX I am a victim of identity theft and fraud.I have applied for protection in the past and I have protection now. I have atleast six different policies all with insurance payoff none has paid. I have proven the inconsistency of the three bureaus reports and filed for the my fair credits rights act reimbursements.Also I have severe inquiries that are still on my report from 7 years ago and these inquiries has lasted and a few that are alleged to last two years. I applied for the my fair credits rights act in XXXX  but I have no results and I have not received any insurance for identity theft either.My documents are with the ftc I have identity theft and fraud proof but no reimbursement or insurance relief.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all covered me under there policy but none paid. And no fair credits rights reimbursement I applied for in XXXX my rights have been violated and I am suffering and sufffing just for a roof over my head. I am on Goverment assistance but the money dont even last 3 weeks when u have no home. And dozens of complaints with the CFPB and ftc and XXXX county police but no resolutions to identify theft fraud and abuse with the three credits bureaus I have illegal garnishment on my accounts with XXXX XXXX and illegal restrictions. There shouldnt be any others names over my account I am an adult and it is a result of identity theft and fraud.I live in XXXX Georgia I am an American born and raised I am being discriminated on. I am praying for relief. I live at XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX. Where I can be reached by phone XXXX XXXX or XXXX XXXX or email XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Couch Conville & Blitt LLC (LA)

XXXX XXXX XXXX and Couch, Conville and Blitt - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (TN)

On XX/XX/2022 I sent in letters to the credit bureaus requesting that they verify some inaccurate things on my credit report. To this day XX/XX/2022, I have yet to receive a response from them and I feel like I am being ignored. I take my credit very seriously and these false items on my report are holding me back from a lot of opportunities I am trying to achieve. Please help me with this issue.
Consumer complaint received 2022-03-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OZK (TX)

In XX/XX/XXXX, My wife and I submitted an application to the Bank of Ozark in XXXX XXXX for a refinance of a commercial income property, along with a copy of our XXXX tax return, rent roll, and lease agreement of property to be refinanced. Sometime in XXXX, We were told over the phone that our refinance request was approved and that they would order an appraisal of the property upon receipt of a signed lease agreement on the property being refinanced. We submitted the signed lease agreement XX/XX/XXXX. On XX/XX/XXXX, we received a call from loan officer XXXX, and he said that the bank need us to verify our bank accounts ( Verifications of Liquidity ) by submitting copies of our statements. I told him that we never had to verify accounts with any other bank in past dealings, and I asked if other customers were required to do the same, and that I think we are being treated different than other customers are being treated. He ask was I refusing and I said yes. I didn't hear back from him until I contacted him on XXXX the XXXX, XXXX to inform him that we haven't receive a letter of credit denial, and he stated that they didn't deny us the refinance, he said that he assumed we withdrew our application. I told him that we have not withdraw the application.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There is a bankruptcy on my credit report on all three bureaus and this is not mine I have been disputing this since XX/XX/2020 with the bureaus and the courts the courts have tolkd me that they can not verify these thru the courts they are verifying by public record!!! 

Account Name : US BKPT CT CA XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MN)

While processing my XXXX re-certification for income-driven payments, FedLoan Servicing improperly capitalized nearly {$50000.00} of interest on my student loans. 

I submitted my annual re-certification application on XXXX XXXX, XXXX, and when FedLoan was not acting on it, again on XXXX XXXX, XXXX -- one application requesting to continue the same IBR plan and the other requesting the lowest payment option. I then received notice that my loans were placed on the standard repayment plan and, corresponding to that, a bill for thousands of dollars. After a series of phone calls and correspondence trying to figure out what was going on and none of the representatives understanding the issue either, my accounts were placed on some kind of administrative forbearance ( and this has happened in previous years, as FedLoan has routinely botched my annual re-certification process ). Later, I found out that because of that forbearance, almost {$50000.00} was capitalized on my loans.
After a number of inquiries and demands for reversal or explanation, I received an email from FedLoan on XXXX XXXX, XXXX, acknowledging that " ... a review of your interest capitalization has been submitted on your account. Please allow up to 7-10 business days for processing. '' That was 7 months ago and I have not heard anything since.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (IL)

I am a long time Navy Federal Credit Union member. I'm a also XXXX XXXX, a single  dad, and a former XXXX  business owner. Somehow either through the dark web or some other resource my information was leaked and used to make XXXX of thousands of dollars of purchases I did not make. I bought this to the attention of my bank and they claimed to do an investigation. They provided me no information and of course denied my claim. I then gave my tax documents proving I wasn't even in the U.S. at the time of these purchases. They credited my account about 4 % of what was taken then adjusted the account leaving me in debt with them. I have asked multiple times to be provided the information they used to investigate my claim and I've been told no every time. They've went as far as to say I would need a warrant from the police.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

I received a statement in the mail from the Children 's Place about XX/XX/XXXX or XX/XX/XXXX with a charge of {$990.00} on an account I never opened. XXXX is working on the issue but requested I file a complaint. My local police would not let me file an incident report. This was the next step.
Consumer complaint received 2018-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (IN)

I was sent to the hospital on XX/XX/XXXX. I was held for five hours and released. I later got a bill from XXXX that was very high so I called and told them I had insurance and they sent me the new amount owed which was {$120.00}. At the time I was struggling because I was leaving an abusive relationship and I had lost my well paying job because of this abusive partner. I fell behind with bills since the new job I had gotten was not as well paying as my previous one. I  needed to use what money I earned to catch up on my car payments and my auto insurance so I could still get to work. In XXXX of this year ( XX/XX/XXXX ) I paid the bill. In the pictures, it shows the amount owed. I had to tear the top portion off because since the hospital billing would not answer, I had to physically write my credit card information in and send it to them in the mail. I payed {$120.00} which was the amount sent to me by XXXX. It was the most recent bill and it said EXACTLY {$120.00}. I have received two collection notices from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and I have spoken to them twice and emailed them proof of payment TWICE that I paid! I have a credit card statement PROVING I paid. Another debt collector is now harassing me for payment. Americollect sent me a bill yesterday ( XX/XX/XXXX ) billing me for {$660.00}! Im being harassed by TWO companies over a debt I paid THREE months ago! Im very upset and its stressing me out.
Consumer complaint received 2018-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I transferred money into my capital one 360 checking from my XXXX because the two were linked. Then when I tried to move the money from my capital one account it said there was a problem. I called them and they were kind of rude and told me I needed to verify who I am through a series of multiple choice question about me. I said sure and after I completed the questions and passed they told me they were still going to close my account cause I was high risk or something???? Who knows with that. My credit score is great I've never been in trouble pay all my bills on time and have a job.. Anyway they said they were going to send me a check of the money in my account and that was 5 months ago.. I called one more time 3 months after the first call and they said, yeah the check wasn't cash, asked me my address and I asked to talk to someone who can help me understand cause he wasnt helping. He said ok one second, put me on hold the phone started ringing and I got an answering machine.. XXXX
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now
Consumer complaint received 2023-06-16
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. (FL)

15 UC CODE 1681B : Permissible purposes of consumer reports Hard inqiries have no permissible purpose to be on my credit report. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

On XX/XX/XXXX I noticed a new collection listing on my credit report in the amount of {$960.00}. This debt collection was being reported by Phoenix Financial Systems and I had no knowledge of this account. I sent Phoenix Financial Services a Debt Validation letter by certified mail. I have yet to receive any type of response from the company. My tracking number with United States Postal service shows this letter being received on XX/XX/XXXX at XXXX.
Consumer complaint received 2022-03-16
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this XXXX XXXX n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now