davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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. (AL)

My consumer credit information is being illegally shared by banking institutions and third party institutions, companies to credit reporting agencies and the credit reporting agencies are causing defamation of my character. The accounts being shared are XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX. I the Consumer have rights according to the The Fair Act Reporting Act consumer laws. This law governs everything that anything that gets reported to my consumer credit report, I the consumer determines what is to be reported and what is not to be reported to my consumer credit report. I did NOT give any banking or third party institutions, companies consent or permissions to share my personal consumer information. 15 USC 1601 states banks and institutions are supposed to protect my consumer information and not share unless I give consent. 15 USC 6801, 1602, 1603 law clearly states ( A ) Before you report my consumer person information, you have to inform me. ( B ) Before you report my consumer person information, you have to inform me and I have to respond with a yes or no response. ( C ) If I answer NO, you are required to inform me on what I need to do to insure that you dont report my personal consumer information obtained by banking or 3rd party institutions. Disclosing OR sharing nonpublic personal consumer information to banking, institutions, affiliates and nonaffiliated third parties is completely illegal according to the Fair Credit Reporting Act Consumer Law. In accordance with the Fair Credit Reporting act, my rights have been violated and I demand the immediate removal of any negative items, late payments that was shared to personal consumer credit report without my permission. Continued unsubstantiated reporting of my personal consumer information to third parties may provide a basis for formal complaints being filed pursuant to federal institute. Within 30 days of this notice, either remove the negative trade line notations from my consumer credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. I have contacted my local Congressman to have your deceptive and fraudulent documents promptly forwarded to the Federal Trade Commission, Attorney General and the Postal Inspection Service For further scrutiny. Please remove all negative consumer personal data, IMMEDIATELY!
Consumer complaint received 2022-09-08
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I have a Zales account under Comenity Bank. I was charged an interest charge of {$4300.00} in XXXX which made my balance XXXX. I contacted my bank XXXX XXXX XXXX to send a payment on my behalf in which they did. On XXXX XX/XX/2022, XXXX XXXX sent a check of {$7700.00} ( check XXXX ), the check was cashed XXXX XX/XX/2022 according to XXXX XXXX. I sent a image of the check which shows the cashed date, bank, my name and account. To date, Comenity Bank has not applied this payment to my account. I have called numerous times, I have filled disputes and I am being told to wait while they research. I call weekly and interest rates and late fees continue to apply to my account. To date I am still waiting for my payment to be applied. Due to this prolonged delay and stress this has brought into me, I would like the applied interest of {$4300.00} to be completely removed. I would like the payment that was sent to be applied to my account and the balance sent back to me ASAP due to the inconvenience.
Consumer complaint received 2022-11-03
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

My previous loan servicer, XXXX, had a connection to XXXX so I could manage the mortgage with my personal finance software. It was purchased by rushmore LM and they refuse to " connect a mortgage with a third party '' I had no say in the transference of my loan. It's unacceptable to me that the same level of transparency can not be maintained when I didn't initiate or want this transfer.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NC)

I created a debt management plan through XXXX. I signed up with this program early XXXX and proposals were sent to each creditor. Each creditor accepted the proposal and agreed to accept payments through XXXX. Nordstrom marked my payments as being late after agreeing to the proposal.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : Inaccurate Name : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-13
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 the Fair Credit Reporting act DEPT OF EDUCATIONXXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Hello CFPB my name is XXXX XXXX I am a consumer practicing my legal rights I have created in dispute With Experian in regards of some increase the ID not authorize I have mailed Experian a dispute in regarding those inquiries I have called by phone Experian directly and asked him for my permissible purpose documentation signature in order for those inquiries to be posted on my consumer credit report there was no permission mail to the consumer My understandings Any consumer agency needs to send a written notification to the consumer notifying to the consumer. any activities on the consumer credit report this is called fraud 15 US C 1681Q explains it is unlawful If a consumer mention to a credit bureau of the in accuracy and performs an investigation when the investigation is not being performed
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint to inform you that Experian has unlawfully furnished an alleged late payment on my consumer report. I have made multiple attempts to resolve this issue 15 usc 1666b Timing of payments states ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Pursuant to 15 usc 1637 b there are certain items that have to be mailed or delivered to the consumer no later 21 dates before the due date I have requested proof that this information was mailed or delivered to me no later than 21 days before the due multiple times it is now reasonable to a soon that they have no evidence and are just using the size of there company to bully me I will not stand for it I HAVE RIGHTS!!! 
this alleged late payment which was inaccurately furnished on my report have caused me to suffer damages to my character life style integrity and my way of life I will be seeking legal remedy if this issue is not resolved 15 U.S. Code 1681n - Civil liability for willful noncompliance States ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MO)

On Friday XX/XX/2022 I attempted to make my payment to Comenity ( AKA- Bread Financial ) for a XXXXXXXX XXXX XXXX credit card on their website where I have successfully made payments before. I was unable to login with my normal login information that had been used the month previous. Then I tried to login using the " Easy Pay '', because there was a header on the website that said " Easy Pay '' was working and they apologized for the inconvenience on the outage. The " Easy Pay '' did not work either. I then proceeded to call their customer service phone number. It asked for my social security number then stated it would transfer me. It transferred me to a pre-recorded message that stated they were not currently available and were aware of the issues making a payment. I then looked around on their FAQ page on the website and it stated they would waive late fees between XX/XX/XXXX and XX/XX/XXXX I believe. They have my contact information on file and never once sent an e-mail blast or a letter that they were experiencing technical difficulties. They apparently had this issue for at least 3 weeks! Unacceptable behavior from a financial institution!
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

it happened that i noticed some fraudulent activity on my bank of America account. after i disputed the charges through bank of America, they advised me to open a new account so they transfer my funds to my new account and close the old one. i agreed and they did that fund transferring from the old to the new account. i have called bank of America maybe XXXX XXXX time to close the old one so i do not receive notification email regarding the old account. theses repeated requests all were ignored. after around XXXX months later i received a call from XXXX XXXX XXXX informing me that they will close my account with them due to a XXXX  report from Bank of America STATING I HAD account Abuse. I was shocked because i have been a very excellent customer to Bank of America since XXXX after another XXXX calls to this bank, finally an agent explained to me that the bank itself has committed a mistake by overcompensating me an amount arround XXXX on one of my DISPUTE claims. then for correcting this problem Bank of America decided to correct their mistake by reporting me to XXXX as an account Abuser, instead of informing ME that i was overcompensated and should return that money to bank of America. Very interesting!! as soon as i found out about that charge i paid that balance right away and bank of America promised to remove that report from my XXXX. but they only updated the balance to XXXX. and now I AM UNABLE TO OPEN A NEW ACCOUNT WITH ANY OTHER BANK and that is because Bank of America agents are IRRESPONSIBLE.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MA)

I recently pulled my credit and seen this company Midland Credit Management on my credit with multiple accounts owed, so I originally disputed on my credit report I believe it was XX/XX/2022 that I did not receive any paper work that I owed a debt, or proof of debt oe right to dispute and I requested that they send that to me so I can see what this debt was an validate it. I asked for proof of the debt, they responded debt was mine and closed the dispute never providing any details or information. So I contacted the company via their website which I did take copies of our chat session which I was told I had 5 accounts he listed off the accounts and then said we are sending these to an attorney if you do not make payment or come to some resolution. I said I want proof that this is my debt I never received anything and it recently came to light that possible fraud had been committed on my credit in my name and that I never got any letters after asking multiple times to prove this was my debt and I was never given the opportunity to fight this. He said letters were sent originally, but I never received letters so I said I need proof then that you sent the letters or resend me the proof so I can see if this is mine or file fraud and he said contact the consumer credit agency department and if its fraud I can provide them proof and told me what to send otherwise its going to court. How can I not be provided proof of debt when asking multiple times I can't even say of this is my debt so I believe it is NO I don't, but how can I confirm if no one will help me and all they do is make threats and tell me to pay. And why has no one called me why don't i get anything in the mail just makes no sense and I do not beleive this is my debt but no one will provide me proof.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :