davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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)

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. 
XXXX XXXX XXXX XXXXF XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX Account number 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 2024-03-05
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: CITIZENS FINANCIAL GROUP, INC. (NY)

The inquiries listed on my credit report when I made by me I provided dates of this information with previous request to remove these inquiries off my account as requested I am resubmitting the same information with more accurate dates so that they can be removed properly thank you
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX is showing a {$460.00} balance on a closed/ charged off account. I have asked that this account be removed from my credit report because it is inaccurate with no reply from the company.
Consumer complaint received 2022-05-03
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2020-07-24
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. (AL)

Request for method of validation To Whom It May Concern : I recently received a response to a CFPB complaint that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) ) regarding the validation of the below accounts which you show as validated and belonging to me on your records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am extremely interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. All previous letters and documents that I sent to you attached along with this correspondence in order to help you process this request. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Acct XXXX XXXX XXXX   XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc. (GA)

I regularly monitor my credit report. When I noticed a collection account from Stallings Financial on approximately XX/XX/XXXX, on my XXXX credit file. I then proceeded to dispute the findings, then my dispute was completed and was successfully removed from my file. Then I continued to monitor my credit and approximately in XX/XX/XXXX, a collection account appeared on my file under the name Stallings Financial yet again but this time under my XXXX report. I proceeded to dispute the collection account and then the item was not removed and remained on file. I am disputing this because it does not belong to me. What is puzzling is that the collection with Stallings Financial was removed from my XXXX credit report but not from my XXXX  credit report, there is an inconsistency and needs to be rectified.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NJ)

On XXXX Synchrony Bank increased my care credit card from {$2600.00} to {$8000.00}. One week later, Synchrony Bank reduced credit from {$8000.00} to {$2600.00} without any legitimate justification.

My balance was already at {$2500.00}. Now I have a 97 % high credit utilization because Synchrony Bank maxed out my credit limit by reducing my credit line from {$8000.00} to {$2600.00}. 

As a result, this has caused my credit score has dropped over XXXX points on XXXX, XXXX, and XXXX credit bureaus. My account is in good standing. I have no delinquencies. Please force or advise XXXX, XXXX, and XXXX to give me back my XXXX points ( or more ) that was a result of my 97 % high credit card utilization ( based on Synchrony Bank -Care Credit card ). 

Although a bank has a right to lower/increase credit, lowering my credit negatively impacted my credit score on XXXX, XXXX, and XXXX. My credit score shouldn't have decreased when my account was in good standing.
Consumer complaint received 2018-07-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCash Holding LLC (IL)

On XX/XX/2018 I received an email from XXXX XXXX stating an account was added to my credit report in collections by XXXX XXXX XXXX for the amount of {$520.00} and the open date is XX/XX/2018. The original creditor XXXX XXXX XXXX is not even on my credit report. I have not applied for any loans in years nor is there a hard inquiry for the loan.
Consumer complaint received 2018-03-13
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)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Experian XXXX To whom it may concern this is my final warning before I take legal actions. Ive won a lawsuit against your company in the past for placing incorrect information on my credit report without my consent. 

I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer System. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

Sincerely XXXX XXXX
Consumer complaint received 2018-03-13
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. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these account. 


Transunion has taken care of all the other accounts listed on the FTC identity theft report except this account with XXXX XXXX XXXX XXXX for {$0.00} XXXX that is listed as terminated I have never had a account with XXXX XXXX XXXX XXXX and wish to have this removed under the FCRA 2009 ( a ).
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Closes this credit card because I didn't want any charges being posted to it. 
I closed card because I didn't want any charges being posted to it. 
On XX/XX/2021 a card was declined because card was closed On XX/XX/XXXX again charges were declined because card was closed. 
On XX/XX/XXXX XXXX XXXX charges were declined because card was closed On XX/XX/XXXX XXXX charges were decline because card was closed. 
On XX/XX/XXXX a XXXX charge was posted to CLOSED account Call Capital One but they refused to remove charge and I cant afford a XXXX charge
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

Individuals began following my bills and payments in XXXX mail. 
They opened online banking. 
Individuals continue to call checks to be held by company and then cashed. This practice started XXXX. It has not stopped. 

I have alerted the Bank. 
I have had XXXX bills stolen and packages from my front door. I have alerted the local Police department. I have alerted the Sheriff 's department. 

I have complained to XXXX. 
I have opened 2 XXXX XXXX in area. 

Individuals continue to steal and XXXX. 

It has prevented me from gainful employment. 

I believe I am a victim of slander. 

I accuse employee at Wells Fargo XXXX XXXX.
Consumer complaint received 2023-01-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : PRIMARY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : PRIMARY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I reported the dispute to capital one and provided them with the documentation that showed the XXXX XXXX  who was automatically charging me {$99.00} per month was doing so after the service had been canceled for 11 Months before I noticed and disputed the problem. Capital one responded and stated that I did not provide the documentation that they requested but this is untrue. I have also tried to call XXXX XXXX  to discuss the issue and they just have a recording with a message and never return my calls. I have also been charged late fees and interest that I want removed.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AR)

I own a duplex property in fee with no mortgage or debt of any kind. Title report has found an open lien against the property from a loan taken out by a previous owner and paid in full sometime before 2019. Release of Lien was never filed. ( See attached document, Page 4, Section 8 ). Contacted mortgage servicing company " Mr. Cooper '' multiple times. Mortgage company refused to provide any information or to remove the lien with the excuse that I was not the original borrower, who has been dead several years. I purchased the property from her son, who also was not on the subject mortgage and has received no response from mortgage company. 

Mortgage company is in material breach and illegally depriving me of the use of my property. 

" Mr. Cooper 's '' improper and fraudulent lien on my property has resulted in the loss of an approved {$45000.00} construction loan, cancellation of scheduled renovations to the property and is preventing my renting out of the duplex, resulting in a monthly loss of income of {$1500.00}. 

Company denied any responsibility and literally told me to hire an attorney.
Consumer complaint received 2022-05-03
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. (OH)

I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information XXXX bank XXXX XXXX XXXX wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over XXXX old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  OH, XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX CT XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled XXXX different ways on there its only XXXX way its spelled and my aacount with XXXX was paid before it was closed so it shouldnt be reporting as negative its has been paid since XXXX on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me
Consumer complaint received 2018-08-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (LA)

To whom It May Concern : In XX/XX/XXXX I made what I thought would be a life changing/improving decision to attend the University of XXXX to become an XXXX XXXX XXXX. However, after obtaining my XXXX, I decided to switch my major to become a XXXX XXXX. My counselor suggested I switch to XXXX XXXX XXXX to fulfil my wish to become a XXXX XXXX.

To my surprise, just before graduating with my XXXX XXXX XXXX, I learn that my degree did not qualify me to take the exam to become a Louisiana Licensed XXXX XXXX. I phoned my counselor to learn she was no longer with the department and was assigned a new counselor, who apologized but offered no explanation for this major miscommunication.

After graduating I came to the rude awakening that the degree I dedicated four long years and $ XXXX to wasnt anything more than two expensive pieces of paper. During my time at XXXX the school highlighted its creditability with employers with the XXXX XXXX campaign, which was another misleading advertisement. However, I learned that XXXX was not an accredited school during my attendance, yet I was informed by XXXX   they indeed were an accredited school.

After graduating it took almost a year to land a job related to my field making $ XXXX  ( this was in XX/XX/XXXX), today ( 5 years later ) Im finally making $ XXXX. Due to the rate of pay, my student loans remain in deferment and I dont know how I will ever repay them with the quality of my degree. As I apply for positions I meet qualifications for, I am learning that my degree is not recognized by employers and my resume is not considered for the position because of my XXXX degree.

As an adult student, I took my education very seriously graduating with a XXXX GPA. I am very proud of myself for this accomplishment because with online classes it is up to the student to succeed ; meaning the student basically self teaches and the teacher simply provides grades for assignments they post. However, employers never get the opportunity to see the superior qualities and skills I possess because my degree stops employers dead in their track when reviewing the resume.

I am very upset that I put myself and my family in a financial crisis with the promise of a brighter future. I realized up front that the investment would be a large one, but with the encouragement from XXXX  counselor and family it was one I was willing to take. However, I have come to realize that my degree was a $ XXXX  scam and attending XXXX  was the ringleader in this scam.

Please help me get justice. I was highly misled by XXXX, turning what was intended to be a step up on the ladder of life ; yet turned into a nightmare I can not afford nor wake up from and Im drowning at this point.

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX IRN : XXXX Attendance dates : XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX and I am having issues with Equifax and getting information. I initially pulled a credit report with a credit monitoring site and noticed that Equifax was reporting some inaccurate information, such as two accounts showing charged off with XXXX XXXX XXXX XXXX. I have never had any type of bad account with this bank, so I researched my options and a letter was sent to Equifax demanding they remove the the false information. This was back in XXXX of this year. I never received any type of response from them so another letter letter was sent XX/XX/XXXX and to this day I still have yet to hear from them. I have sent a 3rd request on XX/XX/XXXX and no response. I accessed my account with XXXX XXXX to see if maybe they are working on things and just not sending me the information but that information hasn't been updated on XXXX XXXX 's site since XXXX of LAST YEAR. It shows that for some reason Equifax is completely ignoring me. With ever correspondence sent I included the documentation they request to research items so that is not the issue.