davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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. (AZ)

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. 
XXXXXXXX XXXX Account # XXXX, Has violated my rights. 

XXXX XXXX XXXX Simple. Account # XXXX Has violated my rights XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX recoveries. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has Violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

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 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.
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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. XXXX XXXX : XXXX, XXXX : XXXXXXXX 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 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 XXXXXXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

I have enclosed the inconsistency for the self financial account.. 
Im also request a copy of the actual contract with my signature on the for all account.. please delete .. if proof of signature cant be provided Please delete XXXX XXXX XXXX the balance still wrong at its XXXXXXXX XXXX XXXX XXXX XXXX XXXX and its been paid.. delete asap
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 — Old information reappears or never goes away
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have state employees credit union reporting a charge off from XXXX and account closed. XXXX is continuing to report it as a late payment on my account even after sending me XXXX and charging it off.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

{$500.00} past due have not paid it because am a victim of identity theft i have calls them but nothing was resolved i told them i was a victim of identity theft my phone number was used to open the account i did not give them my number
Consumer complaint received 2021-11-18
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)

On XX/XX/2021 I have sent a dispute letter to Experian. My dispute letter included clear reasons of why I was disputing the five accounts that I was disputing. I also included clear instructions for each item that was to be in dispute. I included clear identification and enough information so Experian was able to identify me. 

Experian has a legal obligation to conduct a reasonable investigation within 30 days. Experian has knowingly refused to do the investigation they are obligated to conduct. 

Today, XX/XX/XXXX I will be mailing another letter to Experian. My letter will be a request for them to follow their obligations under these circumstances as written in the Fair Credit Reporting Act. 

Letters attached to this complaint.
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. (IL)

Hello, On XXXX I attempted to log onto my Comentiy Bank XXXX Credit Card account to make my payment due on XXXX. A message on the website indicated that there was a system update and we would be unable to access our accounts. No advanced notice of this outage was provided. As the day progressed the message was updated to : " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' As of XXXX I am still unable to access my account online and make a payment. To attempt to remedy this I called the customer service number provided and an automated message said that because of the system update they could not access or make changes to any accounts. 

As a consumer I am extremely concerned that they will try to hold me liable for late fees/charges because I am unable to pay or access my account. I would like to reiterate I have never missed a payment and would have happily paid prior to the due date had the bank informed us of this service interruption.
Consumer complaint received 2022-07-01
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX  XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXXXXXX XXXX  XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (IL)

National Credit Systems is reporting that I owe {$8400.00}. I have requested debt validation, made pursuant the FCRA & FDCPA competent evidence bearing my signature, showing that I have or ( ever had ) an contractual obligation to pay you.
Consumer complaint received 2022-07-01
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYER : XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXKS XXXX EXPERIAN NAME XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX, AZ XXXX INQUIRIES : US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX SELF-REPORTED XXXX XXXX XXXX AD XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : AD XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have go into the hands of the wrong person.
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. (LA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
XXXX5 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A Secton 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

{$78.00} payment to progressive that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I received notice on XX/XX/21 that an escrow analysis had been performed on my mortgage account, and that my monthly payment would raise from {$2100.00} to {$6900.00}. This was due -- according to the notice -- my county tax bill being {$22000.00}. In fact, this was a keying error, and XXXX XXXX tax bill was actually {$2000.00}. According to the online " XXXX XXXX '' for my account, the bill was scheduled to be paid XXXX next day. Upon receipt of the notice ( sent by email ) of the escrow analysis, I immediately called the bank to inform them that they made a mistake, request that it be fixed, and that my payment be corrected. The employee I spoke to understood the issue, and realized that it was important to be fixed. After a long hold, I was told that it was corrected and that the new payment would be reflected on their website the next day ( XX/XX/21 ), but he wouldn't be able to tell me what it would be. 

As of today, XX/XX/21, the payment listed on their website for my next payment is still {$6900.00}. I've been unable to reach a representative on the phone, and the bank 's response to my message on their website asking them to please correct the payment indicates that they did not understand my request at all. Having a monthly payment jump {$4700.00} is simply untenable, and reflects gross incompetence by the bank at best, or an attempt to bankrupt me and take the house at worse.
Consumer complaint received 2022-04-12
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. (GA)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied for a venture x card by capitol one on XX/XX/22. I received an email stating that they needed a copy of my drivers license and a copy of my latest tax return. I uploaded them that day. I received a letter on XX/XX/XXXX reiterating the same information. I called the number provided on the letter to inquire what information they needed. I was told that because I am a stay at home mother that my husband would need to sign a notarized letter stating that he approved of my application. I couldnt believe that this was the case. I reached out to Capitol One on XXXX and they suggested I call the number on the letter again and speak with someone else. I did that, and was told that they needed the back of my drivers license which I provided, then said that I needed to show the name of the third party prparer of our tax return. I said that we had self prepared which was why there was no third party preparer. I got frustrated and asked to speak to a supervisor who when he got on told me that I was going to need the notarized document from my husband. I told him that I had provided proof of our household income but he insisted on having my husband 's notarized signature. We have a household income of XXXX. No mortgage or car loans and a credit score of XXXX. This is offensive and demeaning.
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. (FL)

Unable to access account online to make a payment - website down for days. Tried making a payment via telephone and when you call the number, get a message that say " due to unforeseen circumstances we are closed '' and then you get disconnected. Payment was due XX/XX/2022 and I have been trying to make payment since the XXXX to no avail. I am concerned that if and when they get up and running late charges and interest will apply. I ALWAYS pay my balances- not just minimum, so I never have interest charged.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Balance on XX/XX/XXXX - Original loan amount {$500.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan The bank continues to add this report back to my credit file over and over, which continues to bring my score down!
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I have been paying on my mortgage for a year and a half, only to find out that my payment I sent in early were not being applied to the balance forward but to principal. Loancare has now informed me I am ( 3 payments XXXX behind in my mortgage and incurring late fees and bad credit markings, that the balance payment will not be moved from principal ( 4 payments XXXX where they should have posted to bring the account current and ahead as it should have been posted in the first place. 
I have inquired about this since XXXX 2020, only to promise they will fix the error. This has not been done to date and now I have 24 Hrs to fix this issue or loose a standing offer to refinance at a lower rate. 

This is what I get for paying ahead and having excellent credit rating.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had an account automatically transferred to Citizens bank from XXXX with a balance of {$5.00}. I received an email from Citizens saying I would be charged a {$4.00} monthly maintenance fee on the account. I do not use this account, and want to close it because it would cost me money to keep it open. I waited on hold for over 45 minutes with Citizens bank trying to cancel my account, only to be hung up on by their phone system without ever speaking to a human. Citizens website says I can only close my account by visiting a branch. There are no local citizens bank branches where I live, and traveling to the nearest city with one would be an inconvenience, and would cost me more than the value of the account. It is not reasonable to expect me to jump through many hoops to close an account that I didnt ask for or risk being charged fees.
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. (NJ)

I've been unable to make a payment on my Comenity Victoria 's Secret credit card. The system will not allow me to login, I've tried to call and the message says that they are working to fix the issues. Meanwhile, I am not able to pay my credit card bill and I do not want it to reflect on my credit report.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing Company handles my mortgage. My mortgage payment went up from {$260.00} to {$510.00} due to that. During that time my new taxes came up for the year. It was an increase of {$72.00} wihich comes to {$6.00} extra per month. Which should bring myu new payment to {$260.00} Shellpoint placed lender hazard insurance on my mortgage. Proof of my insurance was sent twice by my HOA on XXXX and XX/XX/XXXX to Shellpoint.. Finally on XX/XX/XXXX I spoke with an employee at the mortgage company and was told they have the proof of my insurance and the lender insurance was dropped. I got a credit of {$1000.00} on my account. I asked about when the corrected payment would go out. They said they have to order an escrow analysis. I called back on XX/XX/XXXX and spoke with another employee and was told again and escrow analysis needs to be done and it would take about 3 days and my new bill would go out. 
I called back on XXXX to follow up. I was told by XXXX XXXX, the supervisor that I still needed to pay the {$510.00} for XXXX and by XXXX I would get my new payment amount. I told her I had a credit on my account since XX/XX/XXXX and why should I pay an incorrect amount because they can not come up with an adjusted amount in a timely manner.. She said I just have to pay that amount or my credit will be affected. I should not have to pay that amount and try to get a refund later. I can figure the amount myself. My taxes increased by {$72.00} and divided by 12 is {$6.00} extra per month. I sent that amount of {$260.00} to Shellpoint for XX/XX/XXXX. I made quite a few attempts over the month of XXXX to get the correct amount to make XXXX payment. They would not give it to me. So I did the figures and sent in payment for XXXX. I did NOT skip any payments. Shellpoint has been very inept in dealing with my accounts. In the past they had applied my payment to a different account and another time lost the payment in the system. It took quite a long time to clear that up. I do not want to go through that again to try to get a refund. My credit should not be in jeopardy since I made multiple attempts to clear this up and I did not skip any payents
Consumer complaint received 2021-03-02
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. (AZ)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for as well as a collection that has been paid for YEARS. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I attempted to dispute again with the bureaus and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-07-01
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. (LA)

I've been trying to make a payment on my credit card account with comenity bank since XX/XX/26. The due date was today and the website and phone line are still down. Company said it was a plan outage but 7 days is unacceptable.