davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (AL)

There is an account that Equifax has Has violated my rights by law By not removing after the proof was given and it has been disputed 3 times with them and also coming CFPB for the 2nd time now. XXXX and XXXX have both deleted this immediately. And by law there's 3 reasons this needs be removed, not NOT considered CLOSED ( IT WASNT OPENED BY ME ) 1st of all a fraud alert And an investigation was apparently done by the government, 2nd of all the dates are completely wrong, And dollar amounts have changed multiple times, and my personal info has been fraudulently used, 3rd of all it should have been completely deleted in XXXX of 2022 like all the proof says, even if I was aware and it was my account ( which its NOT ), and this still hasn't happened. Now that I have everything cleared up on my report and you don't want to take care of it and protect me as an honest civilian, the next step will be getting an attorney and I will persecute at a federal level. Please do your jobs there at CFPB and Equifax, So I don't have to waste another minute and stress over something that is beyond my control, that I've tried to handle for the 5th time now! I am not allowed to sign a mortgage on our 1st home for my daughter 's and I at XXXX XXXX XXXX until this is removed and weve been patiently waiting for over 7 months now!!! Have a blessed week!
Consumer complaint received 2018-07-02
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. (OR)

We believe someone is trying to use our daughter 's social security number. She is XXXX XXXX XXXX. 
On Monday, XX/XX/2018, we tried to open a savings account for our daughter at Oregon XXXX XXXX XXXX. They used her social security number to look up credit history and found that someone attempted to open an account using her social security number at another bank. They would not give us any detailed information about the bank or the individual. 
When I called the credit reporting agencies, they directed me to a website where I could request her credit report, but because she is under 18, I could not request the report online. I also could not place any fraud alert on her account, because she is under 18. 
I am not sure what further steps to take to protect her identity.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had my identity stolen and several Credit Cards opened in my name. XXXX of those was a Kohls card. I called and talked to a person at the fraud department at Kohls and explained what happened. I filled out all the paper work and was told they would investigate and it would be cleared up. This account was opened in a city over 10 hours away from me in a store, by a person with a fake ID of me. They told me it was clear I had not opened this account and that it would be cleared up. However the account was never removed and is now delinquent.
Consumer complaint received 2022-02-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bridge IT, Inc. (IA)

I had submitted a complaint to this company on XX/XX/2022 asking them to stop texting and calling me after hours and to delete my account. They responded saying they are deleting my account and will NOT be contacting me further. Unfortunately, they did not adhere to the guidelines they stated. I have since received 7 emails ( XX/XX/XXXX, XXXX ) from the company. In these emails they state personal details from my bank account. Including exact amounts of money I have spent and what stores I have spent the money. I think it is a HUGE violation to be monitoring my spending when they have " deleted my account ''.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am writing to dispute information regarding a bankruptcy on my credit report. On XX/XX/year> and XXXX XXXX, I previously disputed Lexisnexis, XXXX, XXXX, XXXX, and in response, they verified the item as accurate, stating that they had verified the information with the court. 

However, I recently contacted the court and received the response that is enclosed with this letter. As you can see, the court does not report to them, or any credit bureau, which means that your original response verifying the item with the court was either an error or a lie. 

The reporting of this record does not comply with FCRA 611 ( 15 U.S.C.

1681I ). Therefore, they must immediately delete this unverified record from my credit report. 

Their non-compliance with my request will also be construed as an absolute disregard of my consumer rights and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I am sending this letter on my behalf, and XXXX XXXX XXXX XXXX XXXX XXXX included a copy of my ID to verify my identity.
Consumer complaint received 2022-10-11
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. (NJ)

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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-02-11
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: Avant Holding Company, Inc. (NJ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-02-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

Freedom Mortgage has been negligent of their responsibilities of handling my loan ; due to Covid-19 restrictions, we opted into the Covid-19 forbearance until we could establish financial options back in XXXX of 2021. In XXXX of 2021, we contacted freedom mortgage to re-establish payment and opt into the VA partial claim loanXXXX Freedom Mortgage sent us documents about the VA Partial Claim Loan in XXXX. However, the documents were not reflecting a modification to our escrow, as I am exempt from paying NJ state property tax as I am 100 % VA XXXX. Upon speaking to a Customer Service representative with Freedom Mortgage, I was advised not to sign the documents, the Freedom Mortgage Associate would request new documents. Each week following, I contacted Freedom Mortgage requesting new documents each time ; Ive been on hold for over an hour given a generic statement that the papers are being prepared. Additionally, each time Ive been given the run-around, those papers are under review and being prepared to be sent out. Freedom would further state, there is an issue with the escrow, and countless other excuses. It has been XXXX months since requesting documents, and the problem hasnt been resolved. My wife and I feel emotional distress from this as we have witnessed people driving past our house taking photos, and our neighbors have reported this to us and provided Plate numbers. Upon researching it, I have discovered this is a tactic from mortgage lenders.
Consumer complaint received 2023-08-19
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. (FL)

I need to let you know about some wrong things on my credit report. XXXX says I was 60 days late on XXXX, but XXXX shows XXXXXXXX XXXX  XXXX XXXX and 30 days late. Both are not right. 

I learned that the law ( 15 USC 1681e ( b ) ) says it has to be correct. But this account has different dates and names everywhere. Ill send pictures to show it.

I dont think this should be on my credit. The law ( 15 USC 1681e ( b ) ) says so too. Can you also make sure nothing changes or stays wrong? I want everything about this company taken off because of the mistakes.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I am currently approximately 96 qualifying payments into PSLF and on an income-based repayment plan. I read on the federal student aid website that I could recertify my income without recalculating my monthly payment. I selected that option and sent a recertification application ; however, I noticed that my payment was recalculated and increased significantly. Additionally, MOHELA says that I will begin paying the much larger amount after XX/XX/XXXX, even though the federal student loan website clearly stated that recalculated income-based repayment would not go into effect until one year from the recertification date ( if before XX/XX/XXXX ). 

Additionally, I made a payment in XXXX, during the payment pause. 

I have tried to contact MOHELA about this, but on the rare event that I make it through the 3+ hour wait, they say they don't have information from XXXX more than a month after the loan was transferred. 

I need to have these issues clarified before payments resume in XXXX or it could cost me thousands.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America lowered my credit limit by {$800.00} without notice in XX/XX/2019 and caused my credit rating to drop. 
I am currently paying my credit card balances down to rebuild my credit score and my reward is a lower credit score thanks to Bank of America tampering with my credit limit.

4Q Bank of America
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-10
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. (TX)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected c consumer rights to privacy and confidentiality Under 15 U.S.C 1681. ______ has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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 items of information other then records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681 section 2 ( A ) ( 1 ) a person shall not furnish any information relation 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 2021-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been trying to dispute some accounts that is on my credit report that been impacting me very negatively. The accounts on the report was incorrect, inaccurate or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : CAPITAL ONE {$0.00} XXXX XXXX I AUTHORIZED CFPB to receive information on my behalf
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of unauthorized inquiries on my credit file. Despite multiple attempts to rectify this issue, the unauthorized inquiries continue to negatively impact my credit score and financial reputation.

I discovered several inquiries that I did not authorize or recognize. Since then, I have made numerous attempts to have these unauthorized inquiries removed from my credit file. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the unauthorized inquiries remain unresolved. 

The presence of these unauthorized inquiries not only undermines the accuracy and integrity of my credit report but also raises serious concerns about the security of my personal information. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for inquiries that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate action to investigate and rectify this situation by removing the unauthorized inquiries from my credit file without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XX/XX/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
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (SC)

I have contacted Enhanced Recover XXXX XXXX FLXXXX have mailed XXXX letters and numerous phone calls asking for information on a debt that is showing up on my credit report. I have even disputed it with the credit bureaus. I have not received a satisfactory answer. I have never had XXXX for anything. I asked for a signed contract showing my signature, the date of the service, time etc and nothing. I want this removed from all the credit bureaus, but nothing is happening with this collection agency.
Consumer complaint received 2022-02-11
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. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

I recently applied for a car loan and discovered IC Systems place a delinquent debt on my credit report. I was never notified of any such debt. I didn't even even have a chance to have them validate the debt. They need to remove this from my credit report and then notify me by mail at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, OH XXXX. Then we can proceed from there.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IN)

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.

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 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

I was charged twice by the merchant XXXX. One of the charges was unauthorized because the merchant placed a hold on my account for the rental fee. Chime asked me if the transaction was authorized by text three times, I responded No to all of the text. Chime responded that the charges will be blocked and no funds will be removed from my account but the transaction was allowed and funds were removed. I disputed the transaction three times.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received an e-mail that I had a new document waiting for me from Capital One. I checked my account and saw that my account was being closed due to returned payments. I had forgotten I had the account set on autopay. 

I called Capital One to see what options were available to me as the card was already closed, but I still wanted to take care of the balance. The first rep I spoke with told me that it is not possible to waive any fees ( past due fees, over-limit fees, etc. ). He also said my account wasn't eligible for any payment plans. I asked to speak to somebody above him and he initially put me on hold, but when he came back, he basically told me that I was going to be told the same thing and there was nothing he could do. 

I then reached out to Capital One on XXXX as sometimes I have better luck with the social media team. They gave me two numbers to call other than the one on the back of my card, and all numbers routed me to the same call center. I spoke with another rep and told her the same thing. I said I wanted to get the account paid down, but I can not afford the minimum of {$110.00} and asked if I made a good faith payment of something like {$25.00}, if I could get on a payment plan and she said no. I also asked if payment plans freeze any fees so the balance can actually be paid down and she said no. I told her it basically sounds like I would never actually get the balance paid down as Capital One would keep charging fees and my payments would go towards the fees ( pure profit for Capital One ) and not the balance and she agreed. I asked to speak with a supervisor.

Supervisor gets on the phone and I have to re-tell the entire story once again. She agreed with what the previous rep said and that essentially Capital One will not waive any fees, will not put me on any sort of payment plan, will not freeze any fees or interest so I can make payments towards the balance and not have them absorbed by fees, and Capital in no shape, way, or form has the ability to help. I told her it sounds like my best option is to just let the card get completely charged off at the 180 day past due mark and then negotiate with the 3rd party collection agency that takes on the debt and she agreed.
Consumer complaint received 2022-03-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (PA)

I have spoke with XXXX and told them at the moment I can put pay anything because I dont have the money at the moment to pay them. I told them once I have the money I will contact them. Now I see that they have proceed to collections. I was not told that. I was told someone will contact me to discuss the issue I have. The representative for enterprise gave me false information and now Im seeing that this amount is going to collections and its stressing me out. Why would they do that and not even tell me or warn me!
Consumer complaint received 2022-12-04
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: American Credit Acceptance, LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.