davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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. (CA)

On XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXXXXXX XXXX XXXX XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXXl XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 
15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-06-27
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. (CA)

On XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. 
The Credit bureaus stated : XXXX or XXXX XXXX Adjusters XXXX was properly investigated but how, if the date last active in Not Accurate. 

XXXX  XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 

Over 30 days has passed and nothing had been sent to me for validation and accuracy for XXXX XXXX XXXX. 

This is grounds for Removal. According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 
15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-07-31
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. (NJ)

i HAVE BEEN REQUESTING THAT THE BUREAUS REMOVE NEGATIVE ITEMS THAT AREN'T REPORTING CORRECTLY SINCE XX/XX/XXXX i AM LISTING THE ISSUES BELOW XXXX XXXX - REPORTS THAT THE CREDIT LINE IS SUSPENDED ON XXXX AND XXXX. EXPERIAN REPORTS THAT I WAS LATE. i HAVE PAID ON TIME AND THEY WON'T SEND ME PAPERWORK PROVING OTHERWISE. XXXX HAS XXXX MARKED LATE IN XXXX OF XXXX AND SO DOES EXPERIAN. EACH BUREAU HAS A DIFFERENT DATE LAST ACTIVE. XXXX MARKED ME LATE XXXX OF XXXX AND THEY MARK THE DATE LAST ACTIVE AS XX/XX/XXXX. THIS SHOULD NOT BE ON MY REPORT. ANOTHER XXXX XXXX XXXX - EXPERIAN MARKS ME LATE " 2 OR 3 TIMES '' WHICH IS AMBIGUOUS AND NOT ALLOWED TO BE REPORTED THAT WAY. THEY REFUSE TO INVESTIGATE OR CORRECT IT. XXXX HAS NEVER INVESTIGATED THIS ITEM. EXPERIAN HAS NEVER INVESTIGATED THIS ITEM. XXXX REPORTS THIS WITH CURRENT AND POSITIVE PAYMENTS AND IT'S CLOSED. THEY REPORT THE DATE LAST ACTIVE AS XX/XX/XXXX. XXXX XXXX XXXX HAS THE DATE LAST ACTIVE LISTED AS XX/XX/XXXX, EXPERIAN XXXX XX/XX/XXXX AND XXXX XXXX POSITIVE AND CURRENT PAYMENTS AND IT'S A CLOSE ACCOUNT. THIS IS INACCURATE AND SHOULD NOT BE ON MY REPORT. THE BUREAUS ARE REFUSING TO CORRECT AND REMOVE THIS INACCURATE INFORMATION.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PR)

My XXXX account was hacked so I called them to find help. An employee answered and said would help me. They asked me for some information. Days later they called and said a hacker had all my personal information and was trying to use it. They kept caslling and asking for more information. Then I received a credit card fron XXXX that i did not request. They told me everything the hacker was doing would be cancelled by them. The first activity that appears in that card was un XXXX XXXX  Now XXXX is charging me {$6100.00} dollars in one charge and another for {$2.00}, XXXX. I contacted them and asked for an investigation, telling that I did not send that money to anyone. They answered that after investigating they inform me that the transaction was made by me. Now they are asking me to pay {$210.00} and {$29.00} as a a first payment. I made a complaint in the FTC. They rcomended me to get in contact with you.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (WI)

Ive been trying to use my Victoria Secret credit card for the last 4 days with all charges being declined. Every time I call Comenity Bank they say due to unforeseen circumstances our offices are temporarily closed. I cant access my online account, I cant view my statements, I cant pay a bill. I cant do anything.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On the dates of XX/XX/XXXX and XX/XX/XXXX I, applied for your XXXX XXXX XXXX XXXX  which resulted in a denial of a consumer credit transaction. Pursuant to 15 U.S. Code 15 U.S. Code 1691 it is unlawful to discriminate against me as the applicant to any aspect of a credit transaction. I can not be denied my own credit that Bank of America is extending back to me, not the other way around. 
Pursuant to 12 U.S. Code 1431 ( a ) you are not legally allowed to extend any credit. You have denied the original creditor, ( myself ) my own credit. The fact that Bank of America is claiming to be the original creditor is considered fraud. As a natural person, I am able to open any amount of open-ended credit plans as I choose to per U.S. Code 15 U.S. Code 1602 ( g ).

You are currently in violation of FDCRA, for the use of my copyrighted property. Since the use of my credit card was used to endorse this consumer credit transaction, I am demanding the use of my open-ended credit plan.

You may also want to train your employees better when they are speaking to consumers about denials. 
I called the credit reconsideration line on XX/XX/XXXX and spoke to XXXX who addressed herself as a senior credit analyst. She stated that my application was denied as a result of a bankruptcy that is currently reported on my consumer report. I explained to XXXX that it was illegal to deny me my own credit based on the fairness and privacy that 3rd parties must exercise with respect to the consumers right to privacy U.S. Code 1681 ( a ) ( 4 ). The bankruptcy should not be reported on my consumer report, in the first place this is stated specifically in 11 U.S. Code 107 ( c ) ( 1 ) XXXX  stated that she was sorry I felt the way I did, but she could not approve a consumer credit contract.

Per 15 U.S. Code 1681 ( a ) ( 1 ), Congress found that inaccurate and unfair credit reporting from consumer reporting agencies has impaired the efficiency of the banking system. 15 U.S. Code 1681 ( 2 ) states the development for investigating and evaluating the creditworthiness, standing, capacity, character, and reputation of consumers is an elaborate mechanism. This is basically saying that the consumer reporting agencies that you all have used are not reliable for determining my creditworthiness.
Consumer complaint received 2024-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA ()

I have been unable to access your website for 4 months ever since they have switched to a new web platform. The only way I can make payments is by calling. This means I am unable to see what I owe beforehand, having to find out after calling which puts me in a difficult situation as I am normally on hold for 2 hours generally and can not prepare the amount needed beforehand, I just have to guess. I have tried everything but no luck, even trying to create a new account on their website, and can't continue to two hour calls every week just to be told there is no solution to get access to the website resolved. I was informed the ticket was closed however issue is still not resolved and I continue to get an error every time I log in preventing me from seeing my loan details, getting my tax information, etc. I have reached out to everyone I can but they refuse to assist me
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 XXXX days straight with XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 2022-06-27
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. (PA)

Comenity Bank XXXX XXXX XXXX ) website and all customer service options have been offline for over a week and they are not providing any information at all about how they will handle customers being unable to make payments. Their phone lines are not accepting calls and they say customer service agents can not apply payments or even see account details. My payment is due tomorrow and I have been trying over a week to access my account, which is unavailable.
Consumer complaint received 2022-06-27
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. (TN)

XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt on behalf of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is reporting incorrect information to Experian. On my report XXXX XXXX XXXX is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from XXXX XXXX with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX. 
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAINE & WEINER COMPANY, INC. (KY)

On Saturday, XXXX, I received a noticed from a law firm stating that they were representing a former employer of mine also stating that I owed this former employer a certain amount of money. As of today 's date, XXXX, I have never received any information concerning this or any other money matter, concerning me owing this company monies. Their recruiting team has reached out to me about coming back to work for them as a XXXX XXXX XXXX  and I have responded that I would be interested in a return position with this company. This comes as a very huge surprise to me.
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (VA)

Radius Global Solutions, LLC has attempted to contact me via text message on multiple occasions. After each attempt, I have opted out of that type of communication by replying STOP. After every reply of STOP, this company has continuously attempted to contact me via text message. I have never received anything written via mail from this company from this debt that they are attempting to collect. This behavior is in direct violation of TCPA and demonstrates abusive collection matters.
Consumer complaint received 2022-06-27
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: Santander Consumer USA Holdings Inc. (TN)

I have wrote you over 30 days ago via mail to send me the method verication that I owe this debt. 
15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
Consumer complaint received 2022-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NE)

I took advantage of the Nebraska HAF program and on XX/XX/2022 is when Wells Fargo advised to them their system was down. When I contacted Wells Fargo on numerous occasions they said they have no information about any government program and when I call the NHAF they place blame on them meanwhile Wells Fargo is attempting to put a foreclosure on my house and I went from a bad situation to detrimental depending on a program that Governor XXXX XXXX stated was supposed to help the homeowners and no one is being accountable about this process at all. I have asked for several manager callbacks from NHAF with no response and Wells Fargo won't connect me to the department that handles their special loans. NHAF reps said XXXX Wells Fargo customers are affected and what it appears is Wells Fargo may be purposely not responding to the paying party because they rather to sell the homes then work with consumers ultimately.
Consumer complaint received 2022-06-27
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. (VA)

I sent in a dispute letter regarding inaccurate and incomplete information. I demanded Experian to remove the inaccurate and incomplete information. They responded and stated that they verified the account as accurate. I requested the name, address, and telephone number of each person contacted regarding this alleged account. I also requested copy of any documents provided bearing my signature. I demanded Experian to show me where I gave them permission, written consent to furnish any information on my behalf, according to 1681 ( b ). I requested a reinvestigation AND a Method of Verification. Experian has not responded.
Consumer complaint received 2021-11-02
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: TRANSWORLD SYSTEMS INC (CT)

I've previously submitted my complained against TSI collection services by their client XXXX, XXXX after My name was placed on the debt collection list without my authorization. The company denies that it is their claim via adverse action and in violation of 12 CFR 1002.9 regulation B. I would like remedy in this process
Consumer complaint received 2022-06-27
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)

n 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 XXXX XXXX XXXX XXXX XXXXXXXX have 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 2021-11-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I rented an apartment from XXXX XXXX XXXX  in XXXX GA. The original name of the compass XXXX XXXX XXXX XXXX. About 3-4 months after I moved in my spouse asked me if I wanted to move in with them. So I went to the leasing office and asked if I could turn the lease over to someone else. I was advised that I could. What I was not told was it would be a sublease. I was told I would be free and clear from the lease. Hence why I moved out. It would also make since as to why I was never notified that the person that took the lease over never paid rent while he lived in place of me. I signed paperwork under the impression I would be singing the lease over. What they actually had me sign was a new SECOND lease stating that the new tenant actually moved in with me the same time I did. So I am on a lease by myself and on a lease with the man that was supposed to take over. He was not a roommate and I never lived their. It was a one bedroom apartment. They also created a lease that was signed that had completely made up information on it. When I moved in I moved in alone and I paid the security deposit on my own. Im a XXXX veteran. I also have a XXXX XXXX. I have 48 address on my credit report because I have not been able to get an apartment on my own and I have had to rent out rooms from strangers and friends. Ive lost jobs because of this and it has ruined my life. National credit systems has not been helping either. I asked to be put on a payment plan if it could come down off my credit and they denied me. Im not working right now and Im homeless again. I dont have XXXX to give anyone. Can you please help me. Im trying so hard to get my credit back together.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have three Capital One accounts that are reporting six late payments each. I made payments which are reflected in Capital One database. 

I want those late payments removed from my credit files. I have submitted several disputes without results. 

Capital One Platinum XXXX XXXX XXXX XXXX  Capital One Spark XXXX XXXX XXXX XXXX Capital One Platinum XXXX XXXX XXXX XXXX I want the inaccurate late payments removed.
Consumer complaint received 2022-10-29
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: CCS Financial Services, Inc. (GA)

XXXX COLLECTIONS are requesting a payment of {$160.00} due to collections which is illegal and wrong.

Section 809 ( a ) of the FDCPA requires that within five days after the initial communication with the consumer in connection with the collection of any debt, a debt collector must provide the consumer with a validation notice.