davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (SC)

Complaint filed on behalf of my daughter a credit card holder with Discover Card.Discover issued my XXXX XXXX XXXX a card with a {$20000.00} limit -with a 20 % interest rate on reviving balance. My daughter 's income has always been around {$50.00} to {$55000.00} per year. She ran up more than {$17000.00} in charges and ignorer not to be delinquent used savings just so she would never be late with a payment. She depleted her savings. Discover recommended her to a credit counciling company -- XXXX who got Discover to reduce the interest rate to 9.9 % with a {$450.00} per month payment to XXXX plus XXXX charged her {$100.00} per month fee. My daughter has " issues '' both XXXX  etc which caused her to accumulate a credit debt of {$38000.00}. Discover is complicit. They act like a " shylock '' - the only difference is they XXXX XXXX XXXX XXXX XXXX for non payment they refer you to a consumer credit agency who gets the rate lowered for a fee. My daughter was considering bankruptcy and came to me with her problem because she needed {$4000.00} for a lawyer. I squelched the bankruptcy and got involved to pay off he loans.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I mailed and or faxed off the attached documents OVER 14 days ago..YOU GUYS BY MISTAKE have claimed me starting it's the Social security office fault ( I went in and called that's false and they have no knowledge ) as DECEASED due to this and or prior I had unasked for : Holds, freezes, alerts, blocks etc set on my account. I am alive you can call XXXX to verify THEY CAN NOT GIVE ME DOCUMENTS TO BACK THIS BESIDES my non voided ID I sent to you and my Social card. If you still need more info or are confused about the issue YOUR COMPANY CAUSED contact MY lawyer whom has contacted you with no avail as late as XX/XX/2022 XXXX asap. I can not apply for anything and I'm in the process of purchasing a car and HOME, per every violation of anyone not being able to pull my ENTIRE credit report you will have to pay me so I was advised. I would prefer to settle this quickly and avoid court.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Has been sending me collection notices in the amount of {$3000.00} The collection has been reported as a past due to balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On or about XX/XX/2020, I mailed a letter to Transunion disputing errors on my credit report. To date, I have not received a response from Transunion regarding the investigation results.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I am a natural person, I am a human being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 and violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and did not give Equifax written consent to furnish these accounts. 

XXXX XXXX XXXX Opened XXXX
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-10-24
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. (NC)

I have tried to get this information clear up from all three of my credit report. The bureau inform me that they would not investigate again. The items on my report should have been of my report because the seven years has been up. They have me down as late payment on my mortgage. My report is not right I have tried several times with them to get it resolved. I have call each credit bureau at sixteen times concerning my credit report. I am a disabled veteran. Im getting depressed dealing with this..
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XX/XX/2021 I made an online purchase charged to my XXXX XXXX Card. My credit score dropped from XXXX to XXXX for no apparent reason. I attempted to " un-freeze '' my Transunion credit. Transunion would not unlock and does not reply to my email on file and locked my account, referring me to their online tech support. Tech support is for computer connectivity problems, not unlocking my account or unfreezing. I made an additional request, filling out all personal information Transunion requested to have access, to no reply or avail. Credit utilization 0 %, no missed payments, no new activity, XXXX current credit card balance, with over XXXX available credit.
Consumer complaint received 2023-04-06
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: Experian Information Solutions 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 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 2019-08-27
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. (CO)

XXXX ; Experian and XXXX are reporting incorrectly late for XX/XX/XXXX on the XXXX   XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (OH)

I have regularly made payments monthly, and well above the minimum due. In some instances I have also made more than one payment. However, Citi states that because of a " penalty '' they raised by interest rate from roughly 16 % to 30 %? Even after proving through my statement that I made a {$500.00} payment on XX/XX/XXXX ( due date XXXX ) this caused penalty which raised my rate.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DYNAMIC RECOVERY SERVICES, INC. (GA)

XXXX XXXX XXXX XXXX has not updated the credit bureaus that my payment has been made for a collection account that has been reported to them and received by them. I spoke to XXXX XXXX and they have confirmed receipt, however, they refuse to update my credit report in a timely manner. Dynamic Recovery is the collection company I paid in the amount of {$130.00} as a settled account. I paid the payment on XX/XX/2021.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was advised by relationship manager XXXX to hand write a dispute letter regarding the only option ( modification ) I was offered at the end of my Covid-19 forbearance plan. 
Being that I haven't handwritten a letter in many decades, It may be difficult to read. To summarize : I entered the forbearance period as my small business is just now reopening with limited capacity, thus affecting revenues significantly. I was under the understanding that missed payments would be deferredto the end of my loan. 

I contacted SPS in XXXX after being made aware of a Biden Administration extension to the forbearance period of 3 months. I was advised to fill out a form on the SPS website to indicate that I was still impacted by the Covid-19 pandemic, which I did - thinking this was a necessary step to obtain the extension. Instead I was offered a loan modification which reamitorizes the loan, extends the loan and results in an increased monthly payment. 

It is my hope that through this correspondence, that I may be able to obtain the original understanding of deferredpayments and an extension of forbearance by 3 months as I work towards reopening my business. If this is not possible, I'd like to be considered for a modification where my existing interest rate is lowered reflective of current rates, in addition to any options that may lower my payments during these difficult financial times. 

I have attached the letter to this email. 
Thank you, XXXX XXXX
Consumer complaint received 2023-04-06
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. (OR)

According to 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-04-06
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. (IN)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

These are old accounts I've been XXXX  for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  Balance : {$37000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00} AXXXX XXXXXXXX Balance : {$43000.00} XXXX XXXX Balance : {$36000.00}
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

There is an address of XXXX XXXX XXXX on my credit report. I have informed the company multiple times and provided documentation to prove where I live and the correct address. They refuse to take it off. This is a violation of my rights.
Consumer complaint received 2022-06-10
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: SYNCHRONY FINANCIAL (WA)

Theres a hard inquiry on my XXXX report for a credit card I never applied for on XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Cooling & Winter LLC (GA)

I received a letter stating a new debt collector was assigned this debt. the debt changed hands a couple of times, when i asked for proof of contract they often didn't respond and then I was notified by a new collection agency that they were collecting on this debt. when XXXX XXXX  XXXX sent me a letter i asked them to validate the debt in response they sent me billing statements. I challenged them and asked for proof of contract and chain of title. When I asked for this they in return said I was being sued. This company misrepresented themselves, they presented as the debt collector and then they were also the attorneys for the company ( XXXX ). I am familiar that this company has had similar violations in the past and they cant be the debt collector and turn around and be the attorney too. I am also consulting with credit attorneys but i wanted to file a complaint as they are suing me and have violated the FDCPA.
Consumer complaint received 2018-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/2018, I sent a letter to XXXX XXXX in regards to an account that is reporting for {$3600.00}. I requested proof that the debt was indeed mine and that they had the legal right to collect from me. I haven't received any proof of contract that this account is mine, but it is still reporting negatively, which is affecting my credit.
Consumer complaint received 2020-11-05
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: EQUIFAX, INC. (NC)

I have spoken with Equifax about this issue several times however ; they have given me the run-arounds when it comes to deleting them as promised from the fraud representative. I sent information in on XX/XX/XXXX and NEVER received a response back and was recently told that I need to send in a police report or FTC report listing all of the inquiries that did not belong to me. These were all due to the XXXX  Equifax Data Breach. All of these inquiries were deleted from XXXX  and XXXX  without hesitation ; however Equifax is neglecting to do the same. I have attached the police report which list all of the inquiries that should be deleted as promised from the Fraud Rep on Monday. The fraud rep on Monday XXXX re-disputed all inquiries and said that when the police report comes in ; the inquiries will be deleted. The confirmation # for that dispute is XXXX. 

I have also attached the removals from XXXX  and XXXX.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NV)

Home depot commercial account we talked to citi Bank and home depot because of covid 19 relief they told us to make XXXX every 60 days payment til we catch up our account wouldnt close nor would it be restricted tbey lied to us also thats our second payment the picture now they have closed account and put in collections
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$610.00} XXXXXXXX XXXX XXXX XXXX Balance {$300.00} Inquiries : XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

SINCE XX/XX/2019 I HAVE CONTINUOUSLY REQUEST CHEXSYSTEMS DELETE IT ERRONEOUS REPORTING OF A CHARGE OFF DEBT SAID OWED TO XXXX. I HAVE FILLED OUT THE ONLINE DISPUTE FORMS AND SENT CERTIFIED MAILS BUT TO NO AVAIL. I HAVE VISIT XXXX ON NUMEROUS OCCASIONS AND CALLED CORPORATE OFFICE ON NUMEROUS OCCASIONS. TO BE TOLD THAT XXXX HAS NO SUCH INFORMATION OF A CHARGE OFF A DEBT OR ANY PROBLEMS WHATSOEVER.
Consumer complaint received 2018-04-09
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: AMERICAN EXPRESS COMPANY (TX)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for several credit cards without his consent. An application was submitted to American Express ; while the application was declined and no account established, the fraudulent related inquiry was made into his XXXX credit report. An official dispute of this application and inquiry was sent to American Express XX/XX/2018 however as of this date American Express has failed to reply which is a violation of federal consumer law.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One to tran union One toXX/XX/XXXX And one to XX/XX/XXXX And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.