davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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: LJ Ross Associates (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Im having a very difficult time removing an account from my Experian report that has passed its 7 year statute of limitations. I have called and asked to have it removed and instead im told that they cant remove it, they lender has to remove the information. Only I have had nothing but incorrect information put on my credit report by the lender ( XXXX XXXX XXXX ) and all they ( XXXX XXXX ) have to do is report that the information is correct and that's it. I have had no problems with XXXX or XXXX   recognizing that this account has surpassed its allotted time to report to my credit and they removed it from my report. All I want is to get this account that was opened in XX/XX/XXXX and 1st delinquency in XX/XX/XXXX off my Experian report. To make matters worse NOW instead of it being taken off my credit report it says it will remain on my report until XX/XX/XXXX!!?? Please explain to me how this is even legal. The account in question is XXXX XXXX XXXX and it was opened in XX/XX/XXXX. I have filed a complaint with CFPB before with no luck but now with the account has passed its statute of limitations it really should be a no brainer at this point. Starting to feel like the Twilight Zone. Please have this account removed from my Experian credit report.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a customer for XXXX XXXX  XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXXXXXX XXXX  XXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau TRANSUNION CONSUMER SOLUTIONS in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.
Consumer complaint received 2019-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Best despite my best efforts in submitting a copy of the FTC complaint for ID theft having to do with multiple accounts I am on able to submit to the three credit reporting companies for some unexplained reason
Consumer complaint received 2023-07-21
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: Zions Debt Holdings (CA)

Zions Debt Holdings # XXXX : I did NOT open this account nor give authorization to anyone to open this account on my behalf. This credit reporting is either fraud or a mixed file. I have filed a claim with the police dept. and the FDIC, please see attached. Upon taking matters into my own hands, it appears that someone either used my information to gain goods OR the credit bureaus got the wrong person that has the same name. I contacted the original creditor " XXXX XXXX XXXX '' and they provided me with a copy of the original sale contract. Please see attached. The goods from this company were purchased for a business called " XXXX XXXX XXXX  '' which I do NOT own or have ever done business with. I have never associated myself with the address that is on the sales contract. The phone number on the sales contract is not mine as well. This is a clear mix up or fraud. Please delete this erroneous reporting from my credit asap.
Consumer complaint received 2019-02-07
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: Experian Information Solutions Inc. (NC)

I recently submitted an investigation request to Experian. They were supposed to complete their investigations and respond within 30 days. Well over 30 days have passed, and I have yet to receive my response. I've even sent follow-up letters that have also gone ignored.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (CA)

Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, XXXX, and XXXX. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised XX/XX/2018 Fair Credit Reporting Act. 

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Consumer complaint received 2024-05-22
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: SYNCHRONY FINANCIAL (FL)

XXXX XX/XX/year> my credit was randomly ran with out my permission are knowledge once I got alert I immediately call the company and let them know that Im at work. I am no reason for my Credit to be running. I dont know how that happened, but it wasnot with my knowledge
Consumer complaint received 2022-03-13
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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2022 I purchased a gift from a company which turned out to be from XXXX. As usual I never received the items and called my bank to report this. I was transferred to an " XXXX '' call center somewhere in the XXXX and received the most disrespectful and rude agent I've ever had. I asked the young man to please file a dispute on my behalf and after XXXX minutes I was told that the dispute was resolved and I would see a credit on my card account in a few days. That never happened and I figured it was because of this young man disposition.
Consumer complaint received 2019-04-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I am writing today with faith and a very= hopeful heart. My name is XXXX XXXX and I graduated XXXX XX/XX/XXXX on gran= ts and scholarships obtained by grades. I graduated with a XXXX major an= d XXXX minor with intentions of going to XXXX  school. However, due to a = young marriage at XXXX and XXXX children and a divorce it was not a realistic go= al. I decided to go to XXXX XXXX school at XXXX University to ob= tain my XXXX. As a single mom of XXXX young children I had no choice but = to work nights and attend school during the day to pay for childcare, food, = house, etc. I was the only student  who worked during this rigorous full ti= me XXXX program and needless to say was also a single parent. Despite my= efforts to try to financially support a household and XXXX young children e= nded in me losing my home and bankruptcy. I XXXX my XXXX and begun = working for XXXX XXXX medical center in XX/XX/XXXX. The XXXX Student loans w= ere very high especially when I was just trying to get back on my feet and = start a new life for my children. I spoke with Navient multiple times and w= as under the impression from the information I was provided that in 10 year= s these loans would be forgiven because of my XXXX XXXX  career. I = tried to pay through income based repayment but many times I had to defer d= ue to hardships with supporting my XXXX mother and XXXX father. I = specifically remember asking if the deferment would affect my forgiveness i= n 10 years and specifically being told NO. All I had to do was submit the p= aperwork in 10 years. I am now recently learning that this in fact is incor= rect and I will not qualify for forgiveness without having made 10 consecut= ive years of on time payments. I currently owe over 200,000 now with all th= e interest charges which is nearly double what I graduated with in debt. It= is very discouraging as a XXXX professional  coming from a low income ho= usehold trying to better herself for her family. At this time I have remarr= ied and now have XXXX children and a husband which just as well finished hi= s XXXX with a large student debt bill. I am pleading with anyone who has= some influence or power to make a difference. I am a law abiding tax payin= g professional and the price to pay for this is outrageous. I have been lie= d to by my lender for years and now I am left with a > {$200000.00} student debt= almost in time to start paying for my oldest daughters college. I heard my= daughters high school friends talking about studying in another country to= not incur all the debt. We are doing an injustice to ourselves and I stron= gly believe that something needs to change. Please help I dont know where to go from here but would appreciate= any feedback, advice, or helpSincerely XXXX XXXX XXXX --
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (TX)

Dear Consumer Financial Protection Bureau, I am writing this formal complaint to bring to your attention a distressing incident involving the unauthorized opening of a credit card account in my name. The purpose of this complaint is to seek your immediate intervention and assistance in resolving this matter, which has adversely affected my credit score. 

On XXXX, XXXX, XXXX, I discovered that a credit card account was established in my name with Fortiva Credit Card, without any form of authorization from me. I immediately reached out to the credit card company and was given the runaround. The Fortiva rep acknowledged they had not received my consent but refused to delete the credit card and remove the unauthorized credit card from my credit report. 

I must emphasize that I had no prior knowledge of, nor did I provide any consent for, the creation of this credit card account. Initially, I had a loan ( line of {$4000.00} ) with Fortiva, NOT a credit card. After making faithful payments on time, Fortiva decided to illegally issue me a credit card without my consent. 

This unauthorized action has negatively impacted my credit score, as the card is recorded as a new account with no credit history ( despite making payments for 1.5 years ) and a new low credit limit of {$2000.00}, thereby negatively impacting my credit utilization on the account. 

I believe that the unauthorized opening of a credit card account in my name constitutes a serious violation of consumer rights and the Fair Credit Reporting Act ( FCRA ). As a responsible and law-abiding consumer, I have diligently managed my credit and maintained a positive credit history. The unauthorized account created in my name has blemished my financial reputation through no fault of my own, and this issue must be rectified promptly. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and act diligently to protect consumers like me from such unscrupulous practices. I request that you keep me informed about the progress of the investigation and resolution of this matter. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assurances that appropriate measures will be taken to prevent similar incidents in the future. 

Additionally, I've filed a fraud complaint with XXXX.
Consumer complaint received 2019-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NH)

My complaint is not that I cant pay my mortgage but that I have an escrow account and Shellpoint Mortgage Servicing has not payed my taxes we have called they said the taxes will be payed dont worry I have been down to my town hall 3 times and Shellpoint still has not payed my taxes yet. We have called Shellpoint 3 times and 3 times they said they were in the process of paying the taxes. Apparently they are lied since now I have to come up with around {$4000.00} dollars to pay taxes that I have given this mortgage company to pay or the state of New Hampshire is going to put a lien on my house this is unacceptable someone needs to do something about this mortage company how is this ok to take poeples money and not pay what they are supposed to pay. Thats what we pay them for. Shellpoint needs to be looked into cause if they go belly up I will be out a lot of money and Im sure other people will be too. Unacceptable!!! 
Thank you
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed dispute letters to XXXX, XXXX XXXX TRANSUNION for the following accounts appearing on my credit report : 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 XXXXXXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.

The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : This makes your social security card, drivers license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX Letters were sent to XXXX demanding them to verify and validate inaccurate, wrong, and incorrect information being reported on my consumer report. They failed to validate and removed all debt in violation of FDCPA. The debts attached were challenged and could not be validated nor verified demanding removal. 

Demanded Wet Ink Signature Demanded Validity of Original Contract Demanded for bond to show affiliation with govt. 
Demanded for amounts and proof of debt.
Consumer complaint received 2022-11-30
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)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ; 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 XXXXXX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (NY)

Dear CFPB, I desperately need your help. I'm being neglected by Experian, XXXX, and XXXX. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted immediately.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

My husband and I had a lease with an end date of XX/XX/XXXX We were notified form the leasing office we needed a a 60 day notice letter regardless to move and, that was sent via email XX/XX/XXXX and was mandatory from the Building that we give them 60 day vacate notice regardless of lease end date which seems ridiculous as I would be able to leave on the date my obligation is up on the contract/lease. So our new move out date was XX/XX/XXXX. Upon moving out we were contacted later that we still owed rent for the months the apt was not rented. Pease also note they dramatically increased the rent during this time. they finally rented the apt after 5 weeks and are trying to hold us responsible for the rent in that interim. 

We are not rent responsible for anything beyond XX/XX/XXXX. We submitted a dispute and it was deleted XX/XX/XXXX. 
They replaced it on my credit report as of XX/XX/XXXX In the total charges there are rent charges and cleaning charges for move out charges we dispute as well, the cleaning fee of {$150.00} for the refrigerator which is highlighted at only $ XXXX- {$50.00} in our lease. Lastly we are disputing the {$400.00} parts fee for stovetop replacement as the stove was in that condition upon move in and its normal wear and tear it was in working condition and we were told that was normal for an electric stovetop. This company continues to harass us even though all paperwork was uploaded