davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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: DISCOVER BANK (FL)

I filed a dispute through Discover Card about the purchase of a damaged motorcycle battery leaking acid. I purchased through XXXX third party merchant. They wanted the battery returned but federal law prohibits shipping of such dangerous items. Discover sided with XXXX in the dispute. Under the Fair Credit Bill Act this item should be refunded as item damaged. I have no control over shipping companies that refuse to ship dangerous items. 
Case Number : XXXX Merchant Name : XXXX XXXX XXXX  Amount : {$56.00}
Consumer complaint received 2021-08-04
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. (NC)

I have a major problem with Trans Union for allowing two companies to continue to report an inaccurate payment history on my credit report. The inaccurate payment history of these accounts continue to persist, and Trans Union will do nothing to correct the issues. That is why I am contacting your office today. 

First of all, I had an account with XXXX XXXX in the past. The account number on this account was XXXX. This account was clearly closed in XXXX of XXXX. So since the account was closed in XXXX of XXXX, they should not have reported any active delinquencies after that date. But despite that, they reported that my account was actively late in XXXX, XXXX, and XXXX of XXXX ; nearly two years after this account was closed. So those unfounded delinquencies that XXXX XXXX reported are needlessly and negligently continuing to degrade my credit scores. I have made repeated requests for Trans Union to correct the inaccurate payment history, but they allow XXXX XXXX to continue to do this. 

Secondly, the same thing is happening on a separate account with XXXX XXXX Credit card. The account number on this account starts with XXXX, and ends with XXXX. This account was clearly closed in XXXX of XXXX. So since the account was closed in XXXX of XXXX, they should not have reported any active delinquencies after that date. But despite that, they reported that my account was actively late in XXXX and XXXX of XXXX, as well as XXXX of XXXX. So those unfounded delinquencies that XXXX XXXX reported are needlessly and negligently continuing to degrade my credit scores. I have made repeated requests for Trans Union to correct the inaccurate payment history, but they allow XXXX XXXX to continue to do this. 

I have been patient up to this point, to give Trans Union time to do the correct and right thing here. But the errors continue to persist on my Trans Union credit report.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (AL)

In accordance with the Fair Credit Reporting Act, Fortiva : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

I have a zales credit card and the bank is Comenity bank i cant make a payment and my due date for it was XX/XX/XXXX they say their systems are down and also their costumer service isnt working or answering calls. I tried different ways to pay and nothing is working. I want to make sure it wont affect my credit score and also have late fees since this isnt my fault. I tried to make my payment on time.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-28
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

XXXX XXXX bank acct XXXX Portfolio Recovery ref XXXX I had a ( secured card ) with XXXX XXXXXXXX that just stop working one day secured for {$250.00} XXXX  XXXX put it on my credit report that I owed {$230.00} I paid XXXX XXXX with a certified check from XXXX XXXX XXXX XXXX that they verified was received by XXXX XXXX on XX/XX/2022 it is XXXX and XXXX XXXX will not verify I paid to the credit bureaus How did I owe if it was secured for {$250.00} I paid and portfolio will not acknowledge payment
Consumer complaint received 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022 we requested specific information from Transunion which will be listed with this complaint. 

This complaint is for TransUnion and TransUnion only as they are the credit reporting agency. 

On XX/XX/2022 we requested documentation of how the investigation was completed, by whom at TransUnion conducted the investigation, who they spoke with at 1st progress, documentation provided to TransUnion bearing my signature showing that I have a legal obligation to pay this account and that e-Oscar is not an acceptable form of verification. 

On XXXX I received a generic response from Transunion which did not include ANYTHING requested so I am now looking forward to bringing suit against TransUnion in our small claims civil court for 3 separate suits. Defamation, Negligent enablement of identity fraud, and violation of our state 's fair credit reporting act. 

I am now requesting the physical address of the counsel and who I would name on our subpoena so that I may file this in small claims court. A XXXX XXXX can not be used for legal service of a subpoena
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank is claiming to have been uodating their system. Their XXXX claiming this came a day ago but other users across their bank have been complaining for weeks. There was no warning this update was coming. They are not responding on the phone and being vague in replies on XXXX.
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

XX/XX/2021 I mailed letters to XXXX  XXXX, and XXXX Also, the collection companies Wakefield & Associates, XXXX, and XXXX XXXX XXXX for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response from any of the Collection Companies on the accounts and its been over 30 plus days.
Consumer complaint received 2022-06-28
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality. 

15 U.S.C. 1681 A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AL)

Comenity Bank Company website has been down for over a week along with the phone service. 

My payment is 2 days late and I'm unable to log online or even pay by phone. I've been trying to login daily for the past few days Trying to avoid getting hit with late fees and a late payment history added to credit report.
Consumer complaint received 2022-06-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name is XXXX XXXX and this is a follow up complaint to Portfolio Recovery. 

I understand Portfolio Recovery stated We will honor the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. 

Im aware pursuant to 15 USC 1692a ( 2 ), The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

My credit report is a medium. 

I understand under the FDCPA, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated!
Consumer complaint received 2020-04-27
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: EQUIFAX, INC. (IL)

I have contacted the third-party XXXX XXXX. Regarding Equifax confirmation on my dispute of the accuracies of bankruptcy XXXX, Equifax is reporting on my credit file as Accurate Remain. XXXX XXXX could not and did not confirm all the information that Equifax claimed to be apart of bankruptcy XXXX.
Consumer complaint received 2021-05-25
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. (MI)

XXXX XXXX is the holder for my XXXX card and they recently increased my credit line from XXXX to XXXX. On XX/XX/24 I received a notification that it was reported that I was over the limit and that my limit is XXXX. That is in fact incorrect. With this error, I loss points on my credit report that I worked so hard to get.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (IL)

I have contacted the third-party XXXX XXXX. Regarding Experian confirmation on my dispute of the accuracies of bankruptcy XXXX, Experian is reporting on my credit file as Accurate Remain. XXXX XXXX could not and did not confirm all the information that Experian claimed to be apart of bankruptcy XXXX.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (MD)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

Hello, I applied for a mortgage modification due to COVID-19 and was approved on the second attempt. The process has been long, but recently came to an end. I was fortunate enough to qualify and my mortgage has been modified. I noticed that the company charged interest owed to my principal balance. I would like a breakdown of the how the interest was accrued. I just see a charge of {$4100.00}. I made payments during the trial process and my most recent payment was held in a suspense status until I filed a complaint. I do not believe the interest was calculated properly resulting in a higher charge. I would like this to be investigated. I paid the trial and should get some credit for doing this. It seems very unfair and wish this was disclosed during the process. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MD)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (IL)

Experian 's web site will not allow me to log in. It walks me through a process of changing my password, but after the web site tells me that it was successfully changed, I still can't log in. I called the phone number for customer service but it is an automated system that tells me incorrectly that my experian credit report is not frozen. The automated phone system blocks me from reaching an operator or customer service rep. My credit union tells me my account is locked. I believe it is ; I have had identity theft in the past and locked my credit at all three credit reporting bureaus. So I am stuck, and in a XXXX position ; my mortgage application can't proceed until my credit is unfrozen at experian, and I am unable to complete that using their web site, and their phone system is designed to prevent my reaching a human being who might be able to help. My message to Experian is " You must make it possible for people to get help ; in this circumstance, your broken web site is blocking my purchase of a home. '' I have much more colorful language I would like to direct to Experian, but I think you get the idea.
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (LA)

After several attempts to get this Situation resolved I am still having this reported to my credit report!! On XX/XX/2021 I submitted a complaint with cfpb about the account XXXX XXXX balance XXXX high credit balance XXXX and reported as an repossession, the information on my report is reporting inaccurate in several different ways on my Equifax report!! XXXX XXXX XXXX XXXX both seen the inaccuracies and removed them from my report as Ive disputed this issue with Equifax several times and no response or anything Ive also spoken with a Representative and they also stated they have all my correspondence and none sent back out on their end!!! At this point I am considering an lawsuit against Equifax for failure to comply with FCRA rules and regulations to verify or validate the disputed item on my credit report if the issue isnt resolved immediately i demand validation the original contract that represents the same thing that is being reported to my credit report that was used to verify the account for you all to still have it reported to my credit report!!!!
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (GA)

This company COMMONWEALTH FINANCIAL IS REPORTING ON MY CREDIT REPORT AS A COLLECTION I HAVE NO IDEA WHO THEY ARE. I HAVE NOT DONE BUSINESS WITH THEM BEFORE. THIS IS A FRAUDULENT ACCOUNT OPENED UNDER MY NAME.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (RI)

Tried paying my Victorias Secret credit card yesterday, and I was unable to log into their website. Apparently they are having a planned system update, that they did not even email me about. Now Im concerned I will be charged a late fee at no fault of my own, nor do I know if they were hacked and my info is out there. 
Unable to get ahold of any customer service, as their phone systems are down, and they give generic responses on XXXX.
Consumer complaint received 2022-06-28
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. (CA)

In accordance with fair Credit Reporting Act XXXX  Account # XXXX ( XXXX  XXXX ) /XXXX  XXXX  # XXXX XXXX  XXXX XXXX # # XXXX ) / XXXX  / XXXX  # XXXX / XXXX XXXX XXXX # XXXX 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 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (MD)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-06-28
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. (CA)

In accordance with fair Credit Reporting Act XXXX Account # 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 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 2022-06-28
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. (IL)

XXXX XXXX XXXX XXXX attempts to collect on amounts already paid while failing to update the tradeline or add that the debt was disputed previously. The bill with a due date of XX/XX/2022, was paid on XX/XX/2022, via certified mail return receipt requested Ref # XXXX XXXX XXXX XXXX XXXX for the full amount. Experian has published that the tradeline was updated XX/XX/2022 in which the amount of debt is alleged to be {$2000.00}, while XXXX XXXX XXXX XXXX reports an alleged amount of {$1000.00}. Both amounts being incorrect as the bill is paid as the post marked return receipt. XXXX XXXX XXXX XXXX is in violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. Experian is in violation of FCRA Section 611 Part ( A ) ( 1 ), by failing to respond to disputes or preventing disputes from occurring on their website and using deceptive means. I have a right to accuracy within my report and it must not be taken away by messages saying that I already disputed that account. Every time the account is updated without the statement or changing the amount is a violation of my rights and by law I am entitled to {$1000.00}. XXXX XXXX XXXX XXXX has failed to identify the debt as disputed before I paid in violation of FCRA Section 623 and I am entitled to {$1000.00}. A demand for both of those amounts for the corresponding violation is made at this time.