davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc. (NV)

I was hit by the pandemic like everyone else, we all was caught off guard. I even notified the company that my XXXX XXXX payment would be late and i was told it would be ok without any penalties due to the pandemic, so im asking for a good cause forgiveness as told to me. 

Im requesting that XXXX XXXX XXXX, removed the late payment ( XX/XX/2020 ) thats on my credit file.
Consumer complaint received 2021-04-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

It has been over 60 days since I have not heard back regarding an investigation of inaccurate, unverifiable, and invalidated information. This is a clear violation of the fair credit reporting act.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The secured card that I have from XXXXXXXX XXXX  has stopped reporting my updated payment information for the month of XXXX to all 3 credit bureaus. I've provided documents showing statements of on time payments, and lack of updated information.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX bank XXXX XXXX XXXX XXXX, XXXX  XXXX bank, 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 2020-10-12
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. (NY)

I sent 3 letters to the credit bureaus : XXXX, XXXX  and Experian bur they don't update the informations on my credit report, and don't remove things that I already paid.
Consumer complaint received 2022-10-05
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: LEXISNEXIS (TX)

In accordance to FCRA lexisnexis is breaking the law improperly misuse of credit report account # XXXX TN XXXX Bankruptcy XXXX. Lexisnexis is use a third party reporting agency which is called ( pacer ) and its illegal and is not accurate Source under code, 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. This company is illegally using and selling my information without my consent.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC (MD)

At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to XXXX XXXX in the amount of {$720.00} to XXXX XXXX  for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from XXXX XXXX regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " D2 Management '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the D2 Management to the appropriate agency. She laughed and hung up the phone.
Consumer complaint received 2020-07-14
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. (PA)

I have asked XXXX  and Experian to remove this account from my report, as it was result of ID theft. I have asked the bureaus previously but it still reporting until now and affecting my scores and files tremendously. I need help to get this item removed from my file. 

XXXX XXXX XXXX
Consumer complaint received 2020-05-18
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (TN)

Aldous & Associates called me and insisted that I owe them {$210.00} for a gym membership that I canceled. When I asked for verification and documents to show that I owed them the money, they said they already sent me a written notification which I did not receive. Threatened me by telling me my credit would be ruined and I should pay right away with a XXXX or XXXX. I asked him to send me written proof and documentation as I did not trust or know if he was a legitimate debt collection agency. He refused to answer my questions, insisted that I just pay him and when I repeated my request for written documentation he hung up on me. Very rude and threatening conversation from the Aldous & Associate.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my California Drivers License for verification. Thank you in advance.

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was one day late on a payment. The bill was due on the XXXX. I called on the XXXX and the rep said to call once the fee was applied and I can request it to be waved. I called today the XXXX, and asked if they could wave the fee. I explained how I have all my cards on automatic payment and this late payment was unintentional. I also explained I went online to set up automatic payments so it wont happen again. I was told by the rep that the fee was applied and is not eligible to be waved. Then I was told they have options on the mobile app to avoid this in be future. Their mobile app however, doesnt make it possible to set up automatic payment. You have to login on your PC. They do not send any notification to remind you of your upcoming payment. It seems like they set me up for a {$25.00} dollar fee and lied saying I can request it to be removed, knowing its not eligible according to their policy. In an era where everything is done on a smartphone they make it difficult to pay a bill. Then their fee is the same amount as what my monthly payment is. So I am being doubled charged.
Consumer complaint received 2021-03-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (CA)

I contacted the national credit adjuster and the offered me a settlement of XXXX and it had to be paid by XX/XX/XXXX. I made to separate payments XXXX and XX/XX/XXXX and when I tried to dispute it they are saying i still owe XXXX dollars and when I tried to get on there website to see what the reason is for the balance it is saying it is locked for security reasons but it was open when I made the payments.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

I deposited the Money Order on XX/XX/XXXX it was approved the next day a hold was put on my CASH MONEY this money order was cashed on XX/XX/XXXX that XXXX XXXX as stated funds were released on the XX/XX/XXXX CASH MONEY this was a Money Order Cashiers Check this was done by the XXXX CA brach with the two very bias Predjuice Bank mrg.XXXX XXXX and XXXX XXXX deceitfully and illeagall holding My CASH MONEY without any reason they have received the funds and has refused to release the hold off my CASH MONEY when XXXX XXXX has confirmed the Money Order was CASHED XX/XX/XXXX this is FRAUD and they are FRAUDULENT holding my CASH MONEY till XX/XX/XXXX WHY?
Consumer complaint received 2018-06-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Student Assistance (HI)

American Student Assistance has listed the exact same debt with two different account numbers on my credit reports, showing I don't owe XXXX but XXXX! I have contacted them and the credit bureaus and they will not remove it. They also send me threatening letters that they will confiscate my income. They also call my employer and me and work, as well as send the letter to my employer. I'd like the reports updated and the contact to stop. I have asked for it to be corrected, but nothing has happened.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC (TX)

XX/XX/XXXX : My father received a call from a XXXX XXXX stating I needed to call her by the end of business, that it was urgent, urgent, urgent! She left a phone and case number.

XX/XX/XXXX : I called XXXX XXXX, she informed me that she needed to get some legal documents to me and asked me if i still lived at a previous address. When i said that i didnt live there she advised me to call XXXX and give them the case number. She stated she will hold off on delivery since i wasnt aware of the documents. I called and spoke to a XXXX XXXX ( XXXX XXXX ) who informed me this was an attempt to collect a debt from XX/XX/XXXX for a  mattress ( {$2700.00} ) I purchased and didn't finish paying. His tone was very forceful and after some going back and forth i agreed to a payment plan for the balance of {$930.00}. I gave my credit card info to process the down payment of {$39.00} on XX/XX/XXXX, which was drafted. At that time I thought a recurring auto draft for biweekly payments of {$39.00} was set up. After the payment was processed, the call was ended. I called back to obtain a letter or anything with the agreement as well as to thank him for his patience and working with me and he said he would send an e-mail. E-mail was sent and received. The next payment was due XX/XX/XXXX, but did not draft from my account. I intended to call them to find out why the payment wasn't taken out.

XX/XX/XXXX : My coworker rcvd a call from XXXX XXXX. When I got on the phone he said he was calling regarding the arrangements i had with his office, i immediately recognized his voice and asked if i could call him on my personal cell phone. He provided the XXXX number and i called about 15 minutes later, nobody answered the phone. I called several more times, got a voicemail once and left my information for a call back. ( Mind you this was not XXXX XXXX 's voicemail ) I called twice more and on one occasion it went directly to hold music. After holding for several min. someone picked the line and hung up. I called back and the same thing happened. After that i began to be suspicious and researched " XXXX XXXX '' and JTM Capital Management , LLC. After finding many complaints about this company, I feel like i have been scammed. The debt is very old and may have already come off my credit report so I don't think I need to pay these people.

XX/XX/XXXX XXXX - Called the number again and a XXXX XXXX answered. I only wanted to find out if XXXX XXXX would answer. After printing the letter that was e-mailed to me, it has my old address, which most creditors would have asked for the correct updated information. The letter does not even look official, fonts are different as well as some basic punctuation missing.
Consumer complaint received 2018-02-15
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: AMERICAN EXPRESS COMPANY (TX)

The below information was also sent directly to American Express on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my XXXX account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my XXXX account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted American Express on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my XXXX account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.
Consumer complaint received 2016-11-05
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CT)

When checking the balance of an American Express gift card, I found that a fraudulent charge was made at a hotel in New Jersey on a day that I was at work in Connecticut. American Express said that the card had been swiped at the hotel, although it had never been out of my possession. I received no satisfaction from them as they explained that the cards are treated as cash to which I complained that their security is abyssmal.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I am a victim of identity theft. The following accounts were 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 2021-04-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Information was removed from XXXX and XXXX but still remain on Transunion. 
XXXX - the information is incorrect and inaccurate. 

XXXX was removed from Transunion and XXXX but still remain on XXXX 
XXXX  XXXX - the information is incorrect and inaccurate. 
XXXX - have not done business with this company.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. The following accounts were 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 2017-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

I received a loan from  One Main Financial i n Louisiana on   XXXX   XXXX    2017.  I was not informed what pre computed interest meant exactly. My loan interest is over 20 %. I 'm still waiting on my documents from them to know the exact amount of interest. So now my {$5000.00} loan is {$11000.00}. The usury law for Louisiana has a legal max of 12 % for personal loans. They are breaking the law and fooled me.