davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX, on XX/XX/2020 has violated my rights. 

15 USC 1681 section 604 A section 2 : It also stats a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1,66B. A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-14
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: BMO Bank, N.A. (IL)

Enrolled in XXXX XXXX XXXX XXXX over 11 months ago to manage my credit card payments. XXXX XXXX  and BMO Harris Bank have agreed on a payment plan for me. I have honored their payment plans via XXXX. These two entities have been harassing me for months with phone calls, emails and submitting incorrect damaging info to credit bureaus... continually lowering my credit scores. I have contacted them and XXXX numerous times but these damaging actions continue.! They continually report I am delinquint on payments and/or have past due amounts. PLEASE HELP XXXX
Consumer complaint received 2023-02-14
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. (NC)

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. 

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. 


Names on Credit Report : 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 Addresses on Credit Report : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Ct XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXr, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Ct XXXX, NC XXXX None None NC XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Numbers XXXX XXXX
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (FL)

I received 2 invoices for unpaid tolls by Florida XXXX. XXXX invoice was sent to me in XXXX of 2022 the other was sent to me on XXXX of 2022. I paid both of those invoices when I got them but for some reason they got sent to Valor Intelligent Processing for collections. I went through the dispute process on Valors website and sent them the proof of payment for both of the toll invoices as well as the statement from my ipass transponder ( which is used as a backup when incase sunpass doesnt work ) and it showed that my ipass also paid some of the tolls that were accrued on XX/XX/XXXX and XX/XX/XXXX of 2022. They denied my dispute by sending me a generic email that very clearly showed they took no time to look at my dispute as it was addressed to Sir or Madam and the body of the email simply said " XXXX only sends your invoices to us when they don't receive a response for the unpaid tolls '' However I paid both the invoices so clearly I responded. I then called someone at Valor Intelligent Processing and they kept telling me that they had " No proof of payment '' even though I sent them 3 different proofs of payment. They have refused to acknowledge this debt is paid which has now caused a hold to be placed on my registration so I can no longer renew it. 

I also contacted XXXX about this incident and they agreed that they made a mistake and confirmed that my account was in good standing.
Consumer complaint received 2022-11-27
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. (TX)

In accordance with the Fair Credit Reporting act this company, 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 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 U.S.C 1692 C ( a ) : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 D ( 2 ) : The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The words Debt Collector, are profane to me.
Consumer complaint received 2022-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I am being charged for XXXX XXXX  XXXX XXXX {$1700.00} by ARS and this account isnt mine I want it removed from all three creditors and remove XXXX I was approved XXXX discharge last year.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (HI)

XXXX XXXX XXXX  Your information may have changed since XX/XX/year> View your current credit report Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Open accounts/written contracts : The XXXX statute XXXX limitations on open accounts and written contracts is XXXX years. Credit card accounts, loans that do not fall within the ambit of the XXXX XXXX XXXX, and debts arising under other written agreements all fall under the same XXXX year statute of limitations.
Consumer complaint received 2022-11-27
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX : XX/XX/1991 Last XXXX of XXXX : XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX To whom it may concern I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor Name : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-27
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: Bread Financial Holdings, Inc. (MA)

I have been an XXXX XXXX card member for 20 years when XXXX was using XXXX  XXXX XXXX as their finical bank for their credit card. I never had a problem and thing always worked just find in receiving my money for Cash Back points earn on purchases, etc. Recently, XXXX change banks ( About a little on a month ago ) they now use Comenity Capital Bank to manage their XXXX XXXX XXXX credit Card without any notice given to the consumers. How I found out was when I went to login my account and I couldnt get in. I had to call to find out why. They gave me a number to call and said, everything including my points earned, outstanding balances, payments made online, etc. were transferred to the new bank called Comenity Capital Bank. On XX/XX/XXXX, I transferred some of my points form Comenity Capital Bank to receive {$190.00} wired to my checking account ( Information they have on file ). After not seeing the money transferred into my checking account. I called them inquiring about the transaction of {$190.00} not showing up in my checking account. But it shows on my credit card statement that the transaction was made, and the points were deducted from my account. Credit. But no money was transferred to checking account. In the first call, they said, it takes a few days to show up in your account. So, I gave it a couple of weeks. I still didnt see it there. I called again. That person said, it takes about 10 days for the wire transfer to get to your bank and with the holiday being on Friday the XXXX it should be there on the XXXX of XXXX. I checked again, and sure enough it wasnt there. So, I decided to wait a few more days to give it some time. I called again today for the third time. This person said, you need to contact your bank and asked them, we wired the payment out on XX/XX/XXXX, and it should have transferred over on the XXXX. I asked him for some information like transfer # or something I could provide the bank. He replied, I dont have that information. Your bank should know. So, I contacted my bank and they looked into this and even sent me an email follow up stating there is no transaction from Comenity Capital Bank to me for the {$190.00}. I called again, and the person on the phone said, i will open a depute and someone will call you in XXXX hours. It was Wednesday the XXXX and XXXX being the next day I waited for the call on Friday the XXXX of XXXX. No phone call. I called the next day Saturday the XXXX and this person who answered the phone said, I don't see any depute on this account. I will do it for you now, I asked how long it would take to resolve this issue. He replied, anywhere from 30 to 90 days. 

Regards XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (GA)

I submitted a dispute on XXXX XXXX in regards to some inquiries that is showing up on my credit report. Experian did not do a thorough investigation in regards to my dispute. They notified me within minutes that my dispute items was valid without any real investigation. When I called to question the validity of their investigation. I was informed that they dont dispute inquiries.
Consumer complaint received 2022-11-27
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. (DE)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/ Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I have not applied for anything from XXXX XXXX XXXX since i opened up a business checking account they have informed me they did not pull my credit so please verify account or remove accounts
Consumer complaint received 2022-11-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have made many complaints/disputes about XXXX reporting error and unfair information on my credit report. Experian has conduted superficial inquiries regarding this matter. I have asked repeatedly for Experian to conduct a reasonable investigation regarding an inaccurate late XXXX 2021, due to creditor 's lack of notification. Proof of payment coupon/notification was sent to a wrong address. Which resulted to the creditor not properly notifiing me. Supporting/Proof was sent and attached via mail.
Consumer complaint received 2022-11-27
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. (DE)

XXXX All Banks XX/XX/2022 Experian I have contacted XXXX XXXX and Experian I DID NOT AUTHERIZE THIS INQURY and i have no open account to dispute for fraud relating to this inquiry please provide proof or remove inquiry
Consumer complaint received 2022-11-27
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: California Business Bureau, Inc. (CA)

In XXXX XXXX XXXX XXXX performed a XXXX on my underaged pregnant daughter. My daughter was covered under " minor consent XXXX '' which, in the state of California, allows pregnant females under the age of XXXX to consent to medical treatment without their parent 's consent while living in their parent 's home. XXXX XXXX accepted her XXXX XXXX XXXX in full and did not involve me at all in any paperwork or payment responsibility since my daughter was being treated as an adult. After her treatment, her bill began appearing on my credit report. I have been disputing it ever since but they will not remove it. This has been affecting my ability to get approved for mortgages and credit.
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (DE)

This is not a refusal to pay an alleged debt! AMERICAN COLLECTIONS ENT claims that I am obligated to pay them an alleged debt associated with account # : XXXX. AMERICAN COLLECTIONS ENT shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If AMERICAN COLLECTIONS ENT can not provide the original instrument or proof that it still exists, then AMERICAN COLLECTIONS ENT shall send me an original statement affirming that AMERICAN COLLECTIONS ENT did not sell the original instrument because if AMERICAN COLLECTIONS ENT didn't sell the original signed instrument of indebtedness ; then AMERICAN COLLECTIONS ENT should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when AMERICAN COLLECTIONS ENT produces the original instrument or proof that it has not been sold, which proves that I am obligated to AMERICAN COLLECTIONS ENT. Also please produce the trilateral contract between me ( consumer )XXXX XXXX XXXX XXXX  and AMERICAN COLLECTIONS ENT that shows I agreed to do business with AMERICAN COLLECTIONS ENT along with XXXX XXXX XXXXS or on behalf of XXXX XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Consumer complaint received 2022-11-27
Product: Credit card or prepaid 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: DISCOVER BANK (PA)

Im requesting my 3times sent {$500.00} to Discover credit card company. I didnt have a XXXX XXXXXXXX XXXX I requested the 3 checks back totaling {$15000.00}. Discover sent me a {$500.00} check But also put it on my credit card as a withdraw, that I'll owe it back. The amount is {$1500.00} that is owed back to me. I applied for a credit card. It came as {$10000.00}. I sent for a checking account, and thought I sent it to the checking account not the credit card. Discover bank credit card services kept my XXXX checks each for {$500.00}. Discover credit card added the money to my credit card making it then, {$11000.00}. The credit card wasnot a prepaid card. They claim they used my money to pay for my bills instead of using it as a credit card? I didnt know how to approach the company, but figured I'd better try something to see where my money went. I thought they sent it back 1 check for XXXX +. But that was a promotion to received dollar for dollar in purchases as cash back. Attached is the check they want me to cash yhis {$500.00} check and pay back, after I asked for my money back or where did my money go. I've explained some in the initial complaint.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings (TX)

I applied for a loan from XXXX XXXX about 5 years ago XX/XX/XXXX to be exact for {$100.00}. I checked my credit score in XXXX and tried to dispute the account because it was closed and sent to a collector and the debt was also listed for {$240.00}. However, when I went to check my credit score again in XXXX they opened the collection again this time they changed the date stating that I opened the account in XXXX of XXXX, which is incorrect. I tried to dispute it again for incorrect information and they reopened the debt again reporting the date as XX/XX/XXXX and I have not been in contact with or received a loan from XXXX XXXX  since XXXX. They have not sent me any mail or notice stating that I have a debt nor have they sent me anything saying why the loan has went up over {$140.00}. They keep reporting the debt on my credit and changing the date every year or two. Then when I try to log on or speak to someone I can never get in touch with anyone. The information they are reporting is false, I have not had or received a loan from this company. And they keep reporting an old loan that has been sent to a collection agency and should have been closed. Its inconvenient and unfair that a company can continue to fabricate and falsify documents and information.
Consumer complaint received 2022-11-27
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. (PA)

XXXX XXXX XXXX ACCT # XXXX Amount : {$940.00} Date Opened : XX/XX/2021 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 an account without my written instructions.
Consumer complaint received 2022-11-27
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. (PA)

XXXX XXXX XXXX ACCT # XXXX Amounts : {$3800.00} / {$3600.00} / {$3500.00} / {$7300.00} / {$3800.00} / {$7300.00} / {$6400.00} / {$1900.00} / Date Opened : XX/XX/2019 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 an account without my written instructions.
Consumer complaint received 2022-11-27
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. (IL)

I sent Experian a dispute letter a month ago, I honestly don't believe Experian did a real investigation because by law I have the right to exclude what I want from my credit report because The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, XXXX said ANY card. The credit card is my social security card. This is the credit card used to originate every consumer credit transaction in my dispute letter.
Consumer complaint received 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureau stated the listed accounts and account numbers below was properly investigated but how is that even possible if the open dates is inaccurate, the date last reported is inaccurate, the date last active is inaccurate and the account status is inaccurate. This is destined for removal. They violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 ; It says a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my report as well. 

List of Inaccurate Credit accounts that needs to be removed : 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 I would like these inaccurate credit accounts removed permanently from my credit report.