davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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: Bread Financial Holdings, Inc. (FL)

You are disclosing my personal information to third-party companies to which I dont consent to You are invading my privacy. My nonpublic personal and or private information is not to be shared without my willful consent or direct express permission which I didnt grant you. You are defaming my character and it is causing me injuries I'm kindly demanding you cease the use of identity information to any third-party affiliates immediately. 

It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information it is your duty to honor consumers right to privacy by following the regulations congress has set forth for financial institutions to respect consumers right to privacy and to limit the sharing of information to affiliates when. If theres any consent that may have been given that granted you the opportunity to furnish such information to third parties or affiliates, this is a formal notice that I do not consent or opt-out. I'm demanding my non-public information shall not be shared with any third party or affiliates of your financial institution.
Consumer complaint received 2022-06-17
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year> & XXXX XX/XX/year>
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (MI)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142b4 5 1002.142b7. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : 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 The following inquiries are unauthorized. 1. courtesy 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 XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items from my credit report within four business days per the 605C of the Fair Credit Reporting Act Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2022-06-24
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NC)

The information below showed up on my credit report and I have never been notified of any debt owed to any medical provider ever. I had a large emergency visit bill for {$3600.00} that I worked with the medical provider to pay off ( XXXX XXXXXXXX ) and I have paid {$2600.00} of the balance to date. I have no idea where this expense came from and have an impeccable record of paying all of my bills in full and on time. 

Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$430.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$270.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$350.00} XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX {$40000.00}
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I stayed at XXXX XXXXXXXX XXXX XXXX by XXXX, a XXXX XXXX. The room cost was paid to XXXX XXXX. The XXXX XXXX made an error on XX/XX/XXXX and processed a charge of {$94.00}, and the XXXX XXXX immediately realized the error and reversed the charge. We were there and know the refund was contemporaneously processed by the Hotel. The transaction was processed on a Capital One credit card. 
Capital One immediately posted a charge of {$94.00} and has refused to acknowledge that a reversal of the charge was contemporaneously sent. It has been 5-days and Capital One has refused to acknowledge the receipt of the reversal and the charge remains posted to my account. I called the XXXX XXXX and they cooperatively provided documents showing they immediately corrected the error. 
I called Capital One, first a representative located in the XXXX answered and their understanding of XXXX led me to request a US based representative. That representative was reading from a script saying that refunds are processed differently, and they have no control, and the refund document is not acknowledged to the extent it is posted even after five business days. 
I spoke to a supervisor, Senior Account SupervisoXXXX XXXX- she would provide no additional ID information. While the Hotel issued contemporaneously a refund, Capital One is immediately recognizing a charge but delaying the recognition of the refund. Capital One established the refund process and it is designed to benefit Capital One in the recognition of charges that were in error and immediately reversed. 
Charges and charge reversals should be subject to the same time frame that governs posting of charges. Instead, there is a delay which is to the benefit of Capital One. 
There needs to be a banking regulation to restrict this behavior and limit the bank to equal time of recognition of charges and refunds. Moreover, Capital One claims never to have seen the refund, we have the documents, and they were sent at the same time. Capital One refuses to allow me to send them the documents.
Consumer complaint received 2024-09-01
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: EQUIFAX, INC. (FL)

I have repeatedly disputed an account with XXXX XXXX that is not mine. It belongs to a different person. Originally they came back with " we wont block this '' we think it's inaccurate your reasoning. I provided the documents they asked for. They then came back once again we " need proof if your identity '' even though I provided it each time I submitted. This was a delay tactic. I submitted this again. Then after asking for proof this account was in my social. I get a statement " we have verified this belongs to you with the creditor ''. Contact the creditor. I asked for proof. That would be under FCRA a contract, an application etc that shows my DOB, and Social Security number on the application or agreement. Nothing was provided by Equifax. I reached out to XXXX XXXX. They can not find an account with either Opening date, balance, charge off date, under my name, Social Security number or DOB. They state it belongs to someone else with similar name. So, they ( XXXX XXXX ) can not do anything to correct it since they are not reporting it to Equifax. They refer me back to Equifax. So, Equifax is not doing their due diligence. This account clearly needs to be blocked until they can figure out the issue and it needs to NOT be reported under my social. They can call XXXX XXXX the number is on the letter from XXXX XXXX to verify this.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

All these accounts are closed and should have not negatively impact my credit score. My credit went Down XXXX points because of this negligence I need someone to personally email or fix this issues on my credit score because this is wrong on all parts. My credit was at XXXX then went down to XXXX Im very upset please fix this error
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (FL)

on XX/XX/XXXX my wife tried to make a {$5000.00} payment for our HELOC at truist. 
It didn't go through. 
the next day, there was no record of the attempt. no change in balance, nothing take out of our bank ( nfcu ) on XX/XX/XXXX, the tried again. same thing, nothing. 
on the XXXX, I called at XXXX and was on the phone until after XXXX they still had no record of the first two attempts. 
I asked the rep how I was supposed to make my heloc payment, she said she could do it for me. 
I asked her to be sure there was only going to be one. 
She said only the one she processes. 
The next day, truist processed three identical payments for a total of XXXX This caused my balance to go to XXXX, and XXXX charged me {$29.00} bounced check fee. 
truist says the only thing they can do is to mail me a check. they won't ACH, EFT or let me pick up a check at the local branch. they won't reemburse me for the {$29.00} bounced check fee. attached is transcript.
Consumer complaint received 2019-08-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: California Accounts Service (CA)

I sold my home in XXXX of XXXX and moved out of my home I notified the City of XXXX XXXX XXXX department that I was moving and asked them to close my account. I gave them my new mailing address. I paid the final bill and the check payment for the final bill was cashed in XXXX of XXXX. 

I recently discovered that after closing the account, the City charged me {$35.00} for a " late fee '' and then subsequently charged me {$35.00} late fees because the initial and subsequent late fees were not paid increasing the balance to {$120.00} when it was referred to a collection agency doing business as " CALIFORNIA ACCTS SVC '' .in XXXX XXXX. 

This billing practice was and is in violation of usury laws. 

I was never been contacted about the first or subsequent late fees ( by either the city or the collection agency ) but the collection agency submitted the balance to XXXX, a CRA / credit reporting agency. 

As of XXXX XXXX, the debt collector continues to age the balance due increasing the amount owed even though the statute of limitation has passed and even though they were made aware the amount information was incorrect when I disputed the debt through XXXX XXXX dispute service. In response to my request to validate the debt, they indicated only that the debt was validated and they again increased the balance due even though the original {$35.00} late fee amount was assessed more than four years ago. 

The debt collector 's legal name is XXXX XXXX XXXX XXXX, XXXX although they use an unregistered name CALIFORNIA ACCTS SVC to report incorrect information to CRAs. 

The State of California shows thir corporate information as : Corporation No. XXXX Name : XXXX XXXX XXXX XXXX  Registration Date : XX/XX/XXXX Jurisdiction : CALIFORNIA Entity Type : DOMESTIC STOCK Status : ACTIVE Agent for Service of Process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Mailing Address : XXXX XXXX  XXXX XXXX XXXX CA XXXX This company has been sued many times by consumers for deceptive collection practices.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NV)

Sequim Asesst Solutions, LLC collected {$180.00} from me on XX/XX/19 to resovle an outstanding disputed bill with XXXX XXXX XXXX XXXX XXXX. They then recently contacted me on XX/XX/19 wanted to collect an additional {$100.00} after the account was settled and of course their collection tactic is were going to damage my credit and report the account to the reporting agencies if I don't pay.
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (SC)

On XX/XX/2022, I contacted Cash Central and made a payment in the amount of {$140.00} to my account, using my debit card. The payment was completed and approved by the CSR from Cash Central ( she was VERY nice ). After we spoke, I checked my checking account and the payment debit was pending. 

On XX/XX/2022, I received a notification that the payment of {$140.00} was debited from my account and payment was successful. 

On XX/XX/2022 at XXXX, I received an email ( included in attachments ) from Cash Central stated that they were trying to contact me to make a payment on my account. I immediately contacted Cash Central and spoke with a lady was NOT helpful, unprofessional rude and very dismissive. I explained to her that I received an email in regards to my account and that my payment was not received. She placed me on a brief hold, and when she returned she stated that the payment made on XX/XX/XXXX " bounced '' and was not posted to my account. I explained to her, throughly, that the payment was NOT returned or revoked, and it completely cleared through my bank. She continued to REPEAT the same exact statement that she originally stated, so I proceeded to ask tell her that I wanted to speak to a supervisor. She then hung up the phone ( YES, HUNG UP ). I called her back and told her that she hung up and how rude and unprofessional she was being. She then proceeded to tell me to email customer service a copy of the bank debit that shows that the payment went through. I told her that every time I email Customer Service, I don't receive a response back and it's just a waste of time. I then asked her if she could provide me with a Supervisor or Manager email address. She then put me on hold and NEVER returned. 

When I hung up, I immediately contacted my bank ( XXXX XXXX XXXX ) and explained to them what the issue was and if they could verify that the payment was either returned or revoked. The gentlemen stated the payment in the amount of {$140.00} WAS NOT returned or revoked and it cleared XX/XX/2022. 

Cash Central is the absolute WORST!!! There customer service is HORRIBLE and every time I call, the calls are handled unprofessionally and my situations are NEVER handled.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.