davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

There are inquiries on my credit report that I did not authorize on Transunion, and XXXX Please remove them immediately. I have a fraud alert on my profile Thank you.
Consumer complaint received 2016-09-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (NY)

I 've been repaying my private student loans regularly since graduating about 10 years ago -- first to XXXX, now to Discover. I 've been signed up for auto-debit for a much of that time. This May, my auto-debit payments stopped. I noticed this last month XXXX XXXX XXXX and called Discover. Turns out my account was placed into forbearance, which I did not request. The stated reason for the forbearance was a " headquarter account clean up. '' During the forbearance period, my balance increased ( interest accrued ) and at a higher rate ( 3.25 %, up from 2.75 %, which reflects the auto-debit discount ). The customer service rep was very nice, but could n't tell me anything more about my account was in forbearance. He promised to restore the difference between the interest rates, but could not say when ( the administrative forbearance period is undetermined ). Meantime, Discover is charging me interest on a higher balance than they should be, and at a higher rate -- all because it stopped accepting my auto-debits. Could this be a scam? Seems that administrative forbearance is a profit-maker for Discover ( higher rate of interest on a higher balance ). Would appreciate it if you could look into this.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (IL)

My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX XXXX  Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (KY)

On XXXX I requested my credit report from the 3 bureaus and saw a medical bill listed as collection for XXXX. That bill was taken care of by the VA. They pay all my medical bills. Anyway I decide to write ( Collection Bureau of XXXX ) a letter of validation. I sent the letter off certify mail on the XXXX of XX/XX/2022. Collection Bureau of XXXX received the letter on the XXXX of XX/XX/2022, I have the signature card to proof it. As my letter stated they were given 30 day to sent me proof of validation. It past 30 days and I have not heard from them as of yet. And this is a clear violation of the Fair Debt Collection Practices Act. So I'm requesting the help of the CFPB in taking care of this matter.
Consumer complaint received 2022-10-17
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: Exeter Finance, LLC. (GA)

i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report
Consumer complaint received 2022-10-17
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. (IL)

My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the Equifax XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX XXXX  Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.
Consumer complaint received 2022-10-17
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: CarMax, Inc. (GA)

i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report
Consumer complaint received 2022-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (VA)

Ascension Point Recovery ( APR ) is a group of individuals who seemingly browse through obituaries and attempt to contact the next of kin for the recently deceased. My Mother passed away weeks ago and we received a phone call from Ascension Point Recovery business attempting to get MY MOM 'S personal information by calling and asking questions about her. We received a phone call from XXXX XXXX XXXX XXXX who was looking for the person in charge of executing my Mom 's will. I called my family to ask about the situation and quickly realized it was a fraudulent call and the person was out for personal information. When we called APR back, we were greeted by a very generic and low quality answering service, and eventually, a woman answered the phone. She informed us that XXXX XXXX was not available but ANY of the associates could help because " they ALL were aware of what was going on ''. After a few questions, the woman ACTUALLY STARTED ASKING US QUESTIONS ABOUT MY MOM 'S DEATH. They asked when it happened and how and who was executing the will. Obviously we didn't disclose any of this information, but ultimately she asked if we were aware that there was a possible debt remaining that had to be paid. These people are targeting elderly men and women and attempting to convince them to give the company money to " resolve past debts ''. There are countless stories on XXXX that suggest this company has been terrorizing people for years. On their official website, Ascension Point Recovery only provides one option under the " CONTACT '' tab and that is a " RESOLVE A COMPLAINT '' form. That in itself lends to the illegitimate nature of the company. Not only is this one of the sickest and saddest forms of underhanded exploitation, but it is compounded by the fact that the people being contacted have just lost a loved one.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I received a notification from Home Depot that I still owed {$340.00} out of {$390.00}, on my due date of today XXXX XX/XX/XXXX, After making two payments which processed, of {$350.00} on XXXX XX/XX/XXXX20 and {$50.00} on XXXX XX/XX/XXXX. My payment for the XXXX due date processed on XXXX XX/XX/XXXX and I was current on my payments. I spoke with the representative XXXX XXXX, who tried to give me some nonsense that the original XXXX did not go towards the XXXX payment even when the payment was made after the XXXX cycles due date. I am tired of these credit card companies, for these stores, playing games with peoples payments. Payments received after a due date should be posted for the next month 's due date.
Consumer complaint received 2022-12-14
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. (DE)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-08
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. (LA)

I recently started to monitor my credit with extra time on my hands this year with me not being employed and i noticed someone has stolen my identity i have several fraud accounts in my name i have tried getting this matter resolved with credit agencies and they are no help please help me
Consumer complaint received 2019-04-23
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)

upon obtaining a home loan we found that there is an account open in our name that does not belong to us. we contacted XXXX XXXX and because the account is not in our name they will not help us in anyway. XXXX XXXX has reported this account to Experian and it is showing up on the credit report that we have this open account that is not ours. 
this is holding up our home loan. we need to show this account closed or removed from our credit report immediately or we can not close. 
XXXX XXXX account number listed on Experian credit report is XXXX. This account is in another persons name and needs to come off our credit report. XXXX XXXX is of no help at all. 

**account number XXXX opened XX/XX/1991 ( never been on previous credit reports ) with 0 balance. Loan opened with XXXX XXXX and reported to Experian. 
please see on attached page of credit report. **
Consumer complaint received 2023-03-15
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. (LA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-09
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)

In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX, Experian, and XXXX  continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  ( XXXX  and Experian XXXX, and XXXX XXXX XXXX ( Experian, XXXX, and XXXX  XXXX still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from XXXX, Experian, and XXXX  in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All XXXX credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from XXXX showing deletion of XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

Company did not or has not sent me any notice of the debt. The debt popped up on my credit on XXXX/XXXX/2020 without notice. Upon investigation I found out that they are a 3rd party agency collecting on a debt that has been proven to be an identity theft account from Colorado XXXX University. I have never attended that university and the federal loans associated with it had been dismissed. This is a FRAUD account and illegal account and attempt to collect an illegal debt. Placing it on my credit without an opportunity to contest is illegal, attempting to collect an identity theft account is illegal. Remove this account from my credit and stop all collection attempts.
Consumer complaint received 2024-04-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amscot Corporation (FL)

Amscot has repeatedly called me about a payday loan debt. I lost my job and cant pay. I informed them numerous times but they keep calling me. I have blocked a few of their numbers and different numbers calling me. I am being harassed non stop by Amscot Agents.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (CA)

Went to apply for a loan and their were 4 hard inquiries on the credit report that I don't recognize or authorize as the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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. (TX)

There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only one response back from XXXX saying they weren't going to do anything. Please help
Consumer complaint received 2020-11-09
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: Experian Information Solutions Inc. (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Consumer complaint received 2020-11-09
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. (MI)

XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XXXX and XXXX XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX  XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the information.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CA)

Case XXXX is for the amount of {$580.00} and case # XXXX for the amount of {$1900.00}. XXXX XXXX provides the following statement about Ally XXXX response to his claims : Ally Response - Issued case numbers for investigation, but on a phone call with the Ally dispute team, they twisted my words around. Be advised that Ally Bank would be subjected to California Business and Professions Code 17200 where it prohibits any unlawful, unfair or fraudulent business act or practice which allows restoration of money or property acquired improperly ( Fletcher v. Security Pac. Natl Bank ( 1979 ) 23 Cal. 3d 442, 451 ). Further, you may also be subjected to punitive damages if fraud is proven by clear and convincing evidence ( California Civil Code 3294 ( a ) ), in addition to prejudgment interest on damages ( California Civil Code 3288 ; Alliance Mortgage Company v. Rothwell ( 1995 ) ( quoting Nordahl v. Department of Real Estate ( 1975 ) 48 Cal.App.3d 657, 665 ) ). 

In every contract there is an implied covenant of good faith and fair dealing by each party not to do anything which will deprive the other parties of the benefit of the contract. Sutherland v. Barclays American/Mortgage Corp. , 53 Cal. App. 4th 299, 314, 61 Cal. Rptr. 2d 614 ( 1997 ). A party to a contract breaches the implied covenant of good faith and fair dealing by interfering with or failing to cooperate with the plaintiff in the performance of the contract.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

IC Systems is trying to collect a debt from XXXX XXXX for a service that was canceled 4+ years ago. This was paid when we switched our services, and they were in the process of merging with XXXX XXXX XXXX. The collection was placed last year under XXXX XXXX XXXX. I disputed it with XXXX and it was removed from my credit report. They reported it again this year under XXXX XXXX with a slightly lower amount. I have disputed XXXX with XXXX, with proof that they deleted it last year, and reported again this year, and XXXX will not remove. This is an unfair practice, as they can not just reduce a non existent debt and under XXXX different company names.
Consumer complaint received 2020-11-09
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: NCS, Inc (IL)

Dear XXXX, In the results of your Third investigation, you stated in writing that you verified that this item ( XXXX  XXXX ) ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX  XXXX XXXX  ) is being reported correctly? with SEVERAL INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX  provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX XXXX report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules ;