davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. ()

Company name : XXXX Account number : XXXX. 

XXXX used my credit report improperly. 

I opened an account with XXXX for a WiFi router  in XXXX. I have been paying this account perfectly until the contract expired in XXXX. I then lost the router. 

On the XXXX of XX/XX/XXXX. I called XXXX Cancelations department as I was no longer using the router and I had the right to cancel it because the contract had expired. I requested for a cancelation which was confirmed telephonically. The reference number of the phone call is : XXXX XXXX XXXX XXXX. So then I proceeded to stop the debit order on my side. A couple of months down the line I get phone calls from Debt collectors saying I owe XXXX. I called XXXX, I spoke to one agent who confirmed that there is a cancelation request which was placed in XXXX when the account was still up to date. And she confirmed that she also does not understand why the account was not canceled. She advised me to lodge a dispute which I did. But until this day the matter has not been resolved. Debt collectors are still calling me asking me to pay. When I call XXXX to follow up on the dispute, I get sent from pillar to post. No one is giving me answers. I have involved my lawyers in the matter and they're still working on it.
Consumer complaint received 2022-09-29
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: EQUIFAX, 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 XXXX 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 60 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 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 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 60days 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 21 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-29
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: PENNYMAC LOAN SERVICES, LLC. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX
Consumer complaint received 2022-09-29
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: 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 XXXX  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 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 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 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 60days 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 21 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (PA)

XXXX contacted me today about my complaint I filed against them on XXXX. I had been drinking early this morning, I had XXXX XXXX ounces bottle to XXXX XXXX XXXX. The representative from XXXX / Bridgecrest pressured me into making auto loan payments that is past due for XXXX and XXXX. Representative advised me that I am denied deferred for payments due on XXXX and XXXX. Moreover, was denied the same deferrement the week before XXXX. That make it the second denial and prior to XXXX, I did not have any late payment 30- days past due. Account was opened in XX/XX/2020. I called Bridgecrest this evening and filed for another deferment for XXXX & XXXX. The monthly payments are {$370.00}. XXXX / Bridgecrest totally disregarded the Cares Act which states that creditor are to work with consumers in regards to payment arrangements. I have a financial hardship and I cant believe that I am going back and forth with BridgeCrest. Bridgecrest does not want to help me. CFPB please help enforce the Cares Act that is here to help consumers like me that has an financial hardship. Dont want BridgesCrest to keep calling me and asking for payment knowing that I filed an complaint against them with the CFPB.
Consumer complaint received 2022-07-12
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. (NJ)

I have been going back in forth with XXXX XXXX for almost XXXX years trying to make payments. Unfortunately I have had no success. XX/XX/XXXX I disputed my account because they were continually charging the account even though they stated they could not discuss the account XX/XX/XXXX I spoke with XXXX a rep with XXXX XXXX and was told that my account was sold and I had to wait to be contacted. XX/XX/XXXX I was reported for additional late fees XX/XX/XXXX money was drafted from my bank account regarding this matter from XXXX XXXX XXXX XXXX XXXX in which I got that process stopped making a payment for {$500.00} at that time even though I made the payment XXXX reported another {$42.00} late payment in which I was disputed and it was removed. XXXX & XXXX told me that they did not contact me because XXXX attached an order for me to not be contacted. Even though I have been calling and sending certified letters to the creditors. Since I paid my account in full in XXXX XXXX did not update my balance which XXXX disputed in XX/XX/XXXX. Even though I have a letter stating that I have paid everything in full XXXX is still telling me I owe {$220.00} in which no one can explain why I still owe money with a paid in full letter. I writing this letter to get this account deleted off my profile. This was originally charged off XX/XX/XXXX and they have now changed the date to XX/XX/XXXX charge off.
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. (AL)

The Comenity Bank/Comenity Financial Services website has been down now for over a week and nobody can log in and make a payment on their account ( s )- they have several stores in their company, of which I have ( XXXX ) store cards that are due on XX/XX/22, however, I am unable to log in. The same message appears that their site is down. It has been this way for over a week now, and now they are not even answering their phones. Their XXXX page ( XXXX XXXX XXXX ) is loaded with angry consumers, most of which are coming here to file a complaint. 

I just want to get my complaint on record in case they try to charge me late fees or any other wrongful fees due to not being able to access their site and pay my bill.
Consumer complaint received 2023-04-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$420000.00}, XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (PA)

Filed two disputes with credit bureaus reference, XXXX XXXX  account that is negatively affecting my credit. I have never had any medical procedures, nor the company has any valid information attaching me to this fraudulent account. Upon initial dispute confirmed the address was not mines ( ID verifying my identity and address uploaded ), they ( XXXX XXXX ) do not have my social security number, and any other identifying information attaching me to this account. Contacted the reporting company and they have no interest in assisting me in this matter.
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc. (CA)

I have open credit builder account with self financial on XXXX XXXX mine payment was on time. 
But credit builder account with self financial was failure to report to all 3 of mine credit bureaus.

I was call in self financial, telling customer service about mine account was not report to all 3 credit bureaus. They said will fix it for me but never happen. 45 day later i was send them the email, self financial respond the email to me said they will fix it for me, but never happen again. 
thank you
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I recently checked my credit report and I came to the conclusion that the debt owed was not my debt I had and have no knowledge of the debt and have no attention on paying it I then disputed the multiple different accounts giving clear detail on why this debt is not mine and I I couldn't have possibly assume this debt due to my unfortunate circumstances. In return I was told by XXXX that they have completed an investigation and deemed the account accurate when in fact it's not accurate at all
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-04-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$420000.00}, XXXX XXXX XXXX Balance : {$13000.00}
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting Act. XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX BANK OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX OPENED XXXX XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED ) XX/XX/XXXXXXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX  OPENED XX/XX/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 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. (NY)

" SYSTEM MAINTENANCE '' COMENITY CLAIMS and I am unable to pay my account, view balance owed, make additional unscheduled, can not view to determine if scheduled payments were actually processed and I just want to close this account. I feel this is fraudulent activity and we're unable to even speak to a customer service representative.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (IN)

I last used my card on XX/XX/2022. I went out of state to XXXX  on XX/XX/2022 and returned to XXXX  on XX/XX/2022. I last accessed my vehicle on the XXXX XXXX because my vehicle broke down. I keep my card in an insert inside of a financial planner notebook, to which I had left in my vehicle when I last used my vehicle. Before I left to go out of state unbeknownst to myself my daughter had gotten in my vehicle to retrieve something and apparently forgot to lock the vehicle back up or someone accessed my car thru my broken sunroof. Im not sure which happened. Someone got into my vehicle while I was not in town and stole my planner which had my card inside. They used my card on XX/XX/XXXX, XX/XX/XXXX and XXXX at various places : XXXX XXXX XXXX XXXX {$44.00} XXXX {$29.00} XXXX {$7.00} XXXX XXXX XXXX- {$150.00} XXXX {$28.00} XXXX XXXX- {$6.00} XXXX {$3.00} When I returned home on the XXXX of XXXX I went to check my balance so I could pay a bill and realized someone had used my card. I went looking for my card and realized it was gone. I contacted way2go card services immediately and filed a dispute by phone. I was told they cancelled the card and would send me paperwork to fill out and send back within 10 days by the XXXX of XX/XX/2022 and I would receive a provisional credit. I didnt receive said paperwork until XXXX XXXX but promptly sent the paperwork in on XX/XX/2022 so I would get the credit. After sending the paperwork I called to make sure they had received it and the customer service lady told me they had received it and had already made a final determination this morning before I sent the papers in. Included in the paperwork I included a statement from someone stating I was not even in the state of Indiana when the charges were made. The lady said she couldnt do anything as it was a final determination. I asked to speak with a supervisor she transferred me. The male I spoke with who only referenced himself as a supervisor stated the same the prior agent had said I asked how I could appeal the decision and was told that I could not appeal the decision. I explained that the paperwork I had sent in included a written statement proving I was not even in the state when the transactions occurred. He said the merchant denied the claim or something to that affect. I reiterated that my card was stolen and that I was not in the state. I asked if my money on my card was XXXX  insured and was told it was. I said ok then I know I have the right to appeal your decision and was hung up on. Its awful convenient that the day I was suppose to receive a provisional credit they made a final determination yet did not send anything in writing and then lied and said I had no right to appeal the decision.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TN)

I XXXX XXXX XXXX received an email on XX/XX/XXXX stating there was an applicatuin filled out at Wells Fargo Bank. I was not aware that my ssn # along with my son ssn # had been lost until my new job required me to have it this week on Monday XX/XX/XXXX. So I immediately contact the bank they have put all restriction and froze the account as well as closed it. They stated for me to contact the credit bureaus as well. I have reported it to the social security dept as well. 


Thanks XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (GA)

A credit card account with XXXX XXXX was open without my knowledge I obtained a police report spoke with XXXX XXXX and had the account removed from two of the three credit bureaus I have disputed the charge with Experian and they will not take it off my credit report after several disputes I even sent a police report and an affidavit statement that the charge was not mine and they refused to remove it