davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (AR)

Someone applied for and received a credit card with Comenity.XXXX using my information. They then purchased {$5100.00} worth of merchandise at XXXX. I received the credit card statement for this on XXXX. This was the first time that I became aware of the situation. I immediately ( on XXXX ) called XXXX to report the fraud, and they began a fraud investigation. XXXX, the customer service rep. I spoke to, suggested that I contact a credit bureau to report the incident. I called XXXX and did that. I then went to identity theft.gov, which led me here, to report this.
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

Freedom Mortgage Corporation on XX/XX/2022 I called Freedom Mortgage at phone number ( XXXX ) XXXX, to opt-out of sharing of privacy information. The call center requested a lot of personal information outside of the mortgage, including a credit card number, expiration date, my birthdate, in addition to, exhaustive list of other authentication data such as my address and phone number. No matter what information I provided, they continued to ask for more information. The customer service rep and their supervision insisted on credit card information, including the CCV number and expiration month and year. They refused to allow me to opt-out unless I provided this information. 

This gives the appearance to be a scam, as any credit card info is not part of this mortgage, and should not required in order to opt out of the sharing of my privacy data. 

Thank you.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint on my own behalf with no third party involved. I am requesting that the charges to my account be removed and that any finance and other charges related to the fraudulent amount be credited, with an accurate statement. I am demanding that these fraudulent claims of an alleged debt and negative marks of late payments on my credit be removed from my credit report entirely. This is Identity Theft and is completely against my rights as a federally protected consumer under Title 15 Chapter 41.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

has violated my rights. Or a 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 2023-04-04
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. (SC)

To whom it may concern, This has been an on going battle which was resolved when I originally filed a complaint against XXXX XXXX XXXX for an XXXX account that they alleged I owed them {$1800.00}. I filed a complaint thru your agency and these are the case number provided and the end result was all 3 credit bureaus deleted the derogatory remark on my credit report. The file number is XXXX, XXXX, and XXXX. I was satisfied with the outcome however I get another credit alert that my credit report was flagged by another debt collection agency for the same exact XXXX account. The name of that debt collection agency is called XXXX XXXX XXXX. How is it possible that one minute it was resolved and another minute another debt collection agency flagging my credit file for the same exact mobile carrier account? I would like your agency to review the file complaint listed above and please notify this new debt collection of this matter and to delete immediately from my credit file. Thank you.
Consumer complaint received 2022-10-31
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like this account deleted from my file ASAP : XXXX XXXX
Consumer complaint received 2023-07-14
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. (SC)

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-05-03
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. (LA)

This account is in violation of 15 USC 1681 Improper use of Personal information I have never signed a one month term with is company nor have I given any one written consent to use any of my personal information to this company they are also in violation of 15 usc 1681 for failure to report complete and accurate information to Experian XXXX and XXXX Inconsistent incomplete and inaccurate errors are as following Experian reports 1 month term collec tion account with a past due balance with payment history being in XX/XX/XXXX if account was open XX/XX/XXXX why is there no payment history which is in violation of 15 usc 1681 I have asked for the con tract I was supposedly signed in XX/XX/XXXX XXXX does not have the account on their file at all XXXX reports account open no past due no term no payment no past due balance Experian XXXX and XXXX all updated account status in XX/XX/XXXX This creditor is obligated by law to re port accurate and complete information as this creditor has failed to do so and I dont believe a proper investigation was completed and has past the 30 days I am demanding this account to now be deleted AS SOON AS POSSIBLE. 
I am Also filing a complaint with CPFB As you all have failed to complete a proper investigation and I am seeking damages as I am by law entitled to up to XXXX
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I got a scam pretending to be paypal customer service and they got me to send them {$1900.00} via chase XXXX. 

They told me this was going to be a dummy transaction and they would reject it on their end and it was just for verification of my identity. They asked me to install XXXX app so they can control my phone. And then they asked me to opened the chase app and send via XXXX  to their manager and comforted me I will not lose the money. After I did that, they continued to ask me to deposit money to XXXX. All along the process they rushed me and kept me on the phone saying that they will refund me money as long as I followed. 

I realized this is a scam after hanging on the phone. I immediately checked the XXXX  transaction is still pending, so I called XXXX to cancel it and get my money back. XXXX representative helped me submitted my claim, but I still havent got it back. I was told a few days later that this transaction is done by me so they couldnt get it back. 

This is ridiculous and unreasonable. I already contacted them right after the scam, and they offered no protection on their XXXX  transaction in their app, and there is no monitoring for risky actions like this phone is controlled by XXXX. I need {$1900.00} to pay my rental fee and food this month. I wanted my money back.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I received a letter from Midland Credit Management and their Attorney 's stating that I owed XXXX XXXXXXXX XXXX {$2300.00}. I do not owe this money, I did not authorize or apply for this account they are trying to collect this debt for. This is a fraudulent account and I have asked for proof that this was my account and they could not provide proof. Please remove the XXXX XXXX XXXX  Inquiries from XX/XX/2020. 
Please also remove all incorrect address as follows from XXXX, XXXX, XXXX and all other credit reporting companies : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX  XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

My current Mortgage was through Suntrust Mortgage who merged with BB & T and is now called Truist Mortgage. In XX/XX/XXXX, I requested a forbearance due to being laid off because of XXXX. I then began paying my mortgage again in XX/XX/XXXX and contacted Truist and requested a repayment/deferred payment package as part of the Cares Act called a Partial Claim. I was told I would receive documents in 30-45 Days. After that time and not receiving the documents I called again and was told the last rep applied for it wrong and they would do it correctly ad now I would receive documents in another 30-45 days. Again the documents did not come, fast forward to XX/XX/XXXX, I am trying to refinance my mortgage through Rocket Mortgage but they need the documentation for the Partial Claim from Truist that I STILL have not received. I have called Truist 2-3 times a week since the end of XX/XX/XXXX and I am always told a supervisor will call me back in XXXX hours but it never happens. I have been told twice that documents would be emailed to me but again that has not happened. My documents are allegedly in the QA department since XX/XX/XXXX but I can't get copies to proceed with my refinance and therefor have been kicked back from underwriting with XXXX XXXX  and have lost my interest rate. I requested these documents originally in XX/XX/XXXX and they did not move to XXXX XXXX  until XX/XX/XXXX ( 7 months later ). The fact that I have gotten completely different answers every time I call Truist and no one can transfer me to a Supervisor or give me a Supervisors ' phone number is ridiculous.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (OH)

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 {$490.00}, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (SC)

XXXX XXXX credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years
Consumer complaint received 2022-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (SC)

I was checking my credit report as I always do when I noticed an alleged debt in the amount of {$4300.00} furnished on my credit report by a company by the name of Advanced Collection Bureau Inc. I immediately called the number that was listed as a point of contact and asked them how did they feel this debt was an actual debt belonging to me. I also demanded that they provided me with all pieces of evidence including but not limited to identification cards, original documents and other personalized details that XXXX give them the impression that this debt belonged to me. Instead of receiving this important information that was imperative to finding out how they obtained my information, I was provided by a XXXX XXXX XXXX a PHOTOCOPIED LEASE with the incorrect spelling of my name ( more than once ) which further proves the fraudulent activity and was told by XXXX XXXX that that was all the evidence he needed to assume that he had the authority and audacity to furnish my credit report with inappropriate information
Consumer complaint received 2022-11-15
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Hi, I applied for amex corporate card from my company and according to amex 's promotional offer website : ( https : //www.americanexpress.com/us/credit-cards/gcpadvantage ), I can receive statements on my personal cards ( Amex Plat, Gold and Green ). 
However, Amex customer service refused to help me enroll all cards and get the promotional credits on these cards ( I have three personal cards ). Instead, they said that they can only add this promotional offer for just one card.
Consumer complaint received 2022-11-23
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. (WI)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-09-25
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. (PA)

I disputed information on all three consumer reports and information such as balances and pass due were updated on these charge/off closed accounts to reflect open and revolving. For example XXXX account mentions an account opening in XX/XX/XXXX but also says first delinquency was in XX/XX/XXXX. This is a complete validation of my rights. As with other accounts there is no payment history and they were able to validate these debts. Nor did I give written consent to any company to use my credit profile or history to report incomplete and inaccurate information to any of the consumer agencies. These following companies violated my rights given to me based on ( FCRA ) 15 U.S.C. 1681. These companies include 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
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (IL)

I received a letter in the mail from Halsted Financial Services ACT # XXXX and ACT # XXXX on XX/XX/2022. I opened the letter and realized this was a debt collector from yet again another debt collection agency that I just complained and tried to dispute. XXXX XXXX has resold my account as if they are the original creditor and they are not. I never gave XXXX XXXX  or HALSTEAD FINANCIAL SERVICES my written instructions to furnish my account at all. 15 U.S.C. 1681 section 604 A Section 2 : states that a creditor can not furnish an account with the consumers written instructions. I am the consumer, and they are the creditor. That should be enough for this debt to be deleted. Also, they sent on XX/XX/XXXX that the debt was indeed valid and have chosen to keep it on my credit report but how is the debt indeed valid if they are not the current owners of the account. This account was resold to Halstead Financial Services, and I received that letter XX/XX/2022. This is another clear violation of both XXXX XXXX, HALSTEAD AND XXXX because I asked them to delete this account as well. First off, they violated 15 U.S.C. 1681 c. ( a ) ( 5 ). This section states : no consumer reporting agency ( XXXX ) 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. This alleged debt is not a record or conviction clearly but yet XXXX has chosen to leave it on my account. Even if the account is closed it should not be on my account because according to that law stated above under the FCRA nothing should be on a consumers report unless I have given written instructions which I have not, it was a judgement, which it was not, or it is the result of a conviction which it is not. It should be deleted. XXXX and HALSTEAD should not be able to furnish my account at all. I did not give them permission and XXXX did not dispute my account accurately when asked.