davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

Last year I was involved in the Experian data breach and a freeze was placed on my social security number and no one can run my credit. But I have 6 inquiries on my credit report that companies are running my credit without my permission even though it's a freeze on my ss # .I wrote all 3 credit bureaus explain to them that I didn't give anyone the authorization to run my credit and please remove the inquiries. The last time I ran my credit is XX/XX/2016 to purchase a car.Since then I have not ran my credit. I can not get all 3 credit bureaus to remove the inquiries. They told me to contact the companies who ran my credit and I did.Nothing was done inquiries are still there.
Consumer complaint received 2023-04-09
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: Affirm Holdings, Inc (NY)

While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. 
XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between
Consumer complaint received 2019-06-23
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. (NC)

Experian continues ro report information that id fradugelent on my credit reports. I have provided police reports as well as an identity report & I see the same accounts remaining on my report. These accounts are not mine from XXXX XXXX, XXXX, or XXXX, XXXX, XXXX XXXX XXXX. There are also variations and incorrect names listed. My name is XXXX XXXX there should not be any other names listed. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC or XXXX XXXX XXXX XXXX, NC XXXX. There are also inquiries that I did not apply for anything or give any company my verbal or written permission to look at my credit for these companies XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GXXXX 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 2024-02-12
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2023-02-13
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2019-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A. (MN)

I have recently received a Death Distribution from my deceased father placed in my XXXX Bank Account # XXXX on XX/XX/2019 in the amount of {$7800.00}. On XX/XX/2019 Messerli and Kramer collection agency levied my account in the amount of {$4500.00} plus {$120.00} Garnishment fee. I feel these funds should be exempt from any levy. I will also be contacting Attorney General and XXXX   XXXX XXXX.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PHH Mortgage Services Corporation (WI)

My mortgage company, XXXX XXXX XXXX, purchased PHH MORTGAGE. They transferred my mortgage to PHH MORTGAGE which is now a subsidiary of XXXX. PHH MORTGAGE is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped  significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want PHH MORTGAGE to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to PHH MORTGAGE.
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (OH)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-24
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. (NV)

I am not the owner of US DEPT OF EDUCATION/XXXX, This is not the correct name of the student loan that was granted..I do not owe this company..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Consumer complaint received 2022-02-02
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. (GA)

IVE BEEN A VICTEM OF IDENITY THEFT, IVE REQUEST MULTIPLE TIMES TO HAVE AN ALERT PLACED ON MY CREDIT. MEANING NO ONE SHOULD BE PULLING MY CREDIT WITHOUT WRITTEN CONSENT, IVE ALSO SENT MULTIPLE REQUEST TO BOUT TXXXX XXXX AND XXXX BOUT OF THEM IGNORE MY REQUEST. THEY REFUSE TO INVESTAGTE. PLEASE SEE THE FOLLOWING INQURIES AND DELETE FROM MY REPORTS, AS I NEVER GAVE CONSENT. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX HL XX/XX/XXXX XXXXXXXX XXXXS XXXX XXXX, XXXX XXXX XXXXS XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXS XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXL XXXXXXXXB H XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXN XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2020
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC (GA)

I have been doing my own investigation into XXXX XXXX and their practices. I have found that I am being targeted by them and want compensation in the amount of XXXX per year that I been targeted. I sent in an identity theft packet to XXXX XXXX  in XX/XX/XXXX. XXXX did not respond to identity theft and turned my account over to Brock and Scott. Brock and Scott then obtained a garnishment against me and continued to go from county to county trying to garnish my wages. I recently filed a complaint against Brock and Scott and NOW XXXX wants to send me a packet about the identity theft. I have already furnished this information to them and this prompted me to start an investigation of my own. I pulled my credit reports to see that not only has Brock and Scott been pulling my credit file sometimes twice in one day so has XXXX. On XX/XX/XXXX Brock and Scott pulled my credit twice and on XX/XX/XXXX XXXX pulled my credit. This is on a XXXX report dated XX/XX/XXXX. Why if Brock and Scott are representing XXXX are they both pulling my credit? I want compensation for the 5 years that this has negatively affected my credit and for the embarrassment that has been caused because of this garnishment. I also want letters from both companies that this issue is settled and that no further irritation will be caused to me. I am a victim of Identity theft and should not be going through this
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (GA)

The following is an amendment/added issue in connection with Complaint ID # XXXX, which I filed on XX/XX/2023. So please refer to that complaint in conjunction with the following : Since filing the complaint with CFPB, I recently received a new statement and the Comenity has not only refused to remove their erroneous {$31.00} but they have since added a {$30.00} fee on XX/XX/2023 as a " Late Fee '' and a {$2.00} fee as " Minimum Interest Charge ''. So the total they claim I now owe has risen to {$63.00}! 

Comenity 's original {$31.00} they deceptively applied to my account after I paid off my balance was deceptive, underhanded, illegitimate ( there was no balance after I made my last payment of {$1500.00} XXXX paid in XX/XX/2023 ; please see CFPB Complaint ID # XXXX for details/context ), and not only did they refuse to reverse the illegitimate and deceptively applied {$31.00} ( after I paid off my account ) but they are now compounding their error with additional deceptive fees/charges on top of the original deceptive amount and the balance they claim I owe will continue to compound and increase month after month. Their harassing calls/notifications have already started. The original amount of {$31.00} was illegitimate and any additional charges beyond that/because of it are equally illegitimate. This matter will worsen month after month if they are not investigated and ordered to fix this and deem my account closed as it was when I made my final payment of {$1500.00} ( which was the final balance at time on XX/XX/2023 ) in XXXX. Why are they allowed to do this and get away with this? When will CFPB investigate this and resolve this? Who is helping me as a consumer to hold this company accountable to such a despicable and deceptive practice and resolve the issue? This is starting to impact my health and well being. Please help. Please look into this. Their original claim that I owe {$31.00} is incorrect and every charge they add on top of it is also incorrect and baseless. With the latest statement, they now say I owe {$63.00}. Next month will more. XXXX after that, it will be more. Compounding every month. Please help me. Please stop them. Please resolve this issue. Please, please. I'm begging you, please step in. 

By the way, they've stopped giving me access to the electronic statements on my account online. So I'm basing this all on the hard copy statement I've received in the mail. I just can't share the electronic version with you because they have suspiciously removed my electronic statements from my online account. 

Respectfully, XXXX " XXXX '' XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

ConServe reported an account to my credit report without any written communication that the debt was placed in collections, the ability to dispute, and I was never late on my payment with the original creditor. 

I pay monthly for a class that I took at XXXX XXXX of XXXX XXXX. I've never been late. ConServe placed the account on my credit report and said that I'm late on Payment for XXXX ( even though payments have been made ) and never alerted me that the account was placed in collections.
Consumer complaint received 2019-06-24
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. (NV)

my loan payments were temporarily suspended because I am experiencing financial difficulty, please verify US DEPT OF EDUCATION with the lender and fix the account. It should not be reported on my credit files multiple times.. I do not understand how credit bureaus received this information but it is completely false.. This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Consumer complaint received 2018-06-18
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. (FL)

XXXX XXXX is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a XXXX XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 XXXX XXXX was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this account.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3200.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-06-24
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. (TX)

I requested a copy of my credit report XX/XX/XXXX and against XX/XX/XXXX. Each time I was told my information does not match their records. Each time I submitted copies of my identification. I used third party websites to view my report. Personal details were incorrect. The credit bureau listed me as male. There is a public record bankruptcy on the report. There are several inquiries I did not authorize. I have been in dispute with this bureau since XX/XX/XXXX. I disputed information reported by XXXX XXXX   online by the link provided by XXXX XXXX in XX/XX/XXXX. The credit bureau said the information was verified and would not be removed. I sent a dispute to XXXX XXXX by certified mail to the address reported by the credit bureau to XXXX XXXX XX/XX/XXXX. The mail was returned undelivered, unable to forward. I have requested all the addresses which are undeliverable to me be deleted from my report. I have asked that all names other than the one on my ID be deleted. I have asked that my employer is corrected. The credit bureau has not provided any documentation verifying any of the questioned items are mine. I was told by the credit bureau in XX/XX/XXXX, the bankruptcy was confirmed by XXXX. My file was suppressed by XXXX in XX/XX/XXXX. The credit bureau finally provided a copy of my credit report. However, inaccurate information is still shown on the report. Equifax is the reporting bureau. I received a letter from XXXX XXXX XXXX, saying my credit line was decreased due to a significant decrease in credit score. The information received was reported by Equifax. I contacted the Bankruptcy Court. I have attached the letter received from the Court.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX. Please delete these accounts on my credit file ASAP.
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I traveled to XXXX on XX/XX/XXXX-XX/XX/XXXX, while i was there I was mainly using Chase Visa Card for all my purchases from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also used XXXX XXXX visa card on XX/XX/XXXX. I paid all my purchases in Euro because I know when it converted to US , i will get a good rate and also I dont get charge for 3 % transaction fee. Unbeknownst to me, Chase used XXXX-XXXX exchange rate, while XXXX XXXX used XXXX-XXXX. As a valued customer, i felt being taking advantage by Chase. I have been Chase client for a long time, i also have deposit product with Chase. This is not how you treat your value customer. I tried to talk to Chase and they said it wasnt them that made the decision about exchange rate, it was XXXX XXXX and I contacted XXXX XXXX they said it wasnt their decision either. I know that XXXX XXXX issued the base rate to all banks and its up to Banks to increase that rate, I understand they are in a business to make money BUT they are too greedy. The fact that XXXX XXXX charged that rate, Im sure that XXXX XXXX still made a good profits. Im writing this letter to ask for financial justice, I do not want to consult with lawyers unless i have to. I only want whats mine. I want Chase to basically refund me the overcharged for all my purchases during that period of time using XXXX XXXX exchange rate. I will also attached my credit card statements from Chase and XXXX XXXX for your review. Thank you and looking forward to hearing from you.