davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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: Marlette Funding, LLC (GA)

Upon cheking my credit report XX/XX/2022, I found an account belonging to someone else ( XXXX XXXX XXXX XXXX XXXX to my credit reports. My credit file, espeially XXXX, has been in special handling department for XXXX due to file merging issues. This account was kept in good standing which is why I never noticed Best Egg on my credit reports until it was reported delinquent. 

Account holder has a different middle and last name ( XXXX XXXX XXXX is my name and only name ive ever gone by ). I won my dispute with XXXX and XXXX with removing the alias name, address, and other information from my credit reports due to this inaccuracy. 

Best Egg has yet to privde PROOF of identification ( photo ID, social seurity card, selfie ) or any other supporting documentation to prove the identity of the rightful owner of the acount they're reporting. If they had proper doumentation, they could cross reference to see we are XXXX different people. 

Legal action will be taken after this attempt to resolve this issue.
Consumer complaint received 2022-12-15
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. (MI)

Greetings. I'm writing this letter to dispute and remove some items from my credit report that is NOT permissable by law, and also was shared WITHOUT my written consent. Listed below are some of the items. 
ACCOUNT NAME- 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 XXXX XXXX  First and foremost, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, XXXX, and EXPERIAN, written consent to furnish this information, that would indeed be identity theft. As of the student loans, 15 U.S.C 6802 such financial institution clearly and conspicuously discloses to the consumer, in written form or other form permitted by the regulations prescribed under section 6804 of this title, that such third party. I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.
Consumer complaint received 2022-06-06
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX Account : 1. XXXX XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-07-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor XXXX 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 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-12-15
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-12-12
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus Transunion, XXXX, and XXXX. Credit Companies are not complying with their own policies in a timely manner.
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX XXXX as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UMB FINANCIAL CORPORATION (TX)

On XX/XX/2022, there was a check in the amount of {$100.00} where the funds were transfer into the account.at the same time they processed check. However, XXXX return as NSF and I called to have the check paid. I spoke to the representative where she had difficulty understanding what I needed so I ask for supervisor. She said she could reach out to another department help get it paid or she could transfer to a supervisor. Already frustrated I asked for the supervisor and got XXXX XXXX. XXXX XXXX started the conversation condescending and unprofessional which the representative provided the information. Before I could say anything else, he cut me off so I asked to speak to another supervisor. XXXX XXXX said NO, I can not transfer you to another supervisor and if I wanted another supervisor I would need to call back. So I called back spoke to XXXX XXXX that said he was knew and did not know what to do..he said Im confused. He stated he would transfer me to an associate then placed me on hold. XXXX returned to the phone to say the associate says it would be paid since the funds were transferred. At this point, I wasnt comfortable with the information provided. Once again I asked for a supervisor XXXX XXXX which he said he contacted the back office. I do not believe he contacted any back office because I wasnt on hold for no more than one minute. XXXX representatives and supervisors are trained to get the customers off the phones to insure they meet there metrics.
Consumer complaint received 2022-12-12
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: Resurgent Capital Services L.P. (FL)

I have no knowledge of any such debt being owed toEnter compan LVNV Funding LLC ORIGINAL CREDITOR ( XXXX XXXX  XXXX I am familiar with the XXXX XXXX XXXX 's ( XXXX ) Consumer Credit sourcebook which states the following. 
" A firm must not ignore or disregard a customer 's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer 's claim is not valid. '' XXXX " A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds. '' XXXX " Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner. '' XXXX If you do not stop collection activity whilst investigating my dispute, you are breaking XXXX  rules and guidance. 
Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment. 
Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt. 
I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to my local trading standards service and consider informing the XXXX  of your actions. 
I look forward to hearing from you. 
Yours faithfully
Consumer complaint received 2022-10-04
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. (TX)

In accordance with Fair Credit Reporting Act XXXX  accounts 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
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

I have an American Express card. The card due date is usually very close to the XXXX of each month with a little variation for weekends and holidays. American Express has a " please pay by date '' that is not the real due date for the card. Recently they have started including a banner on their web page that explicitly states the account is overdue when the please pay by date has passed, but before the actual due date has passed. The account is NOT overdue but their message explicitly states that you are already past due when you are not.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

In accordance with 15 USC 1692b ( 2 ) Fair Collections & Outsourcing has violated my rights by sending me a letter stating in the context this is an attempt to collect a debt this considered a violation. For this violation 15 USC 1692k states any actual damages sustained by the consumer. I have suffered financial and psychological damages from this company violating me.

In accordance with 15 USC 1692b ( 5 ) Fair Collections & Outsourcing has violated my rights by sending me a letter with a symbol within the context indicated there in the business of collecting a debt. This considered a violation. 15 USC 1692k States any actual damage or {$1000.00} dollars fine.

In accordance with 15 USC 1692jFair Collections & Outsourcing has violated my rights by furnishing deceptive forms attempting or collect an alleged debt. This company has not validated this debt. Fair Collections did not sent the proper documents to validate this alleged debt. I asked this company to send the method of verification also my wet ink signature.

P.S. This Collections is NOT Licensed to collect any debt in Washington XXXX DC.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

False advertising made by Comenity Capital Bank - Zales The Diamond Card regarding terms and conditions for promotion. After apply for card to receive promotion being advised by representatives that approved or denial would occur same day. Which did not happen, so promotion was not available for me to use. This falling advertised to apply for credit card. While the credit card application with result in credit report. Thus effecting me personally harming my credit report for a card not needed. Date of application, sale advertise on website and advised promotion still in effect to apply. Promotion no longer available while getting scammed for a card I do not need. Contacted comenity bank directly to cancel application for card since promotion wouldnt apply to me. Advise I can not that their prices takes 1-2 weeks. Stuck with a credit card for false advertising.
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

I was sick and missed a payment. It happens. Since the late fee is assesed I'm not in a rush to pay it because I work in finance and I know how reporting works. Comenity bank has called 7 times today in 6 hours. They started at XXXX AM MST where I live. SEVEN. I told them to not call I would pay the bill and balance due with late fee on the next due date. And one of the calls was from a restricted number, I have a family member in the hospital so I answered it because that's how their calls show up, nope it was them, and I told them not to call I would pay ... still calling ....
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bursey & Associates, P.C. (AZ)

On XX/XX/XXXX of XXXX a debt in my name was sold to a company called XXXX XXXX XXXX. I received a few calls from this company but didn't answer anything from them. Fast forward to XXXX and on XX/XX/XXXX of XXXX I receive a letter in the mail from Bursey & Associates stating they are attempting to garnish my wages. I requested a motion with my local court because they are attempting to collect on a debt that is 11 months past the Statue of Limitations in the State of Arizona.
Consumer complaint received 2022-06-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  account ending in # 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX 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 without my written instructions.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (SC)

I have inquiries on my credit report that I didn't authorized and unaware of. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2022-09-24
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. (OH)

The Credit Bureaus stated my accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, My D.O.B. is inaccurate, payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. XXXX violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have 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. 

Also, I have yet to receive documents or updated information from said agencies.
Consumer complaint received 2024-12-16
Product: Credit 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: SYNCHRONY FINANCIAL (MO)

I was charged on XX/XX/year>, for an XXXX purchase via SYNCHRONY BANK / XXXX XXXX. I never got anything for the XXXX buyer, XXXX says it's been delivered but the FedEx number was not for my house or my name on it. I have summited XXXX different disputes with SYNCHRONY BANK / XXXX XXXX, they will not take the charge off and will not show what proof they have from the XXXX buyer that it was delivered. Again XXXX different dispute reports and no one can confirm that it was sent to me.