davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting 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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-24
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. (WA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my 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 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 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

Subject : Fraudulent Credit Card Charge by Attorney Unauthorized Transaction Affecting My Credit Date : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone Number : ( XXXX ) XXXX Credit Card Issuer : XXXX XXXX Credit Card Account Number : ending in XXXX Complaint Details : I am writing to file a formal complaint regarding a fraudulent and unauthorized charge made to my credit card by an attorney. The charge was not signed or authorized by me, and I have never consented to or engaged in any transaction with this attorney that would justify such a charge. 

Here are the relevant details : Name of Attorney : XXXX XXXXr Date of Charge : XX/XX/year> Amount Charged : {$800.00} Actions Taken : XXXX. Upon discovering this fraudulent charge, I immediately contacted my credit card issuer to dispute the transaction. However, despite my efforts, the charge has negatively impacted my credit report. 
XXXX. I also filed a formal complaint with the Florida XXXX regarding this attorneys misconduct and unauthorized actions, as this falls under unethical behavior and potential fraud. 
XXXX. To date, this issue remains unresolved, and it is unfairly affecting my credit score and financial standing.

Resolution Sought : I am seeking the following resolutions : 1. Immediate removal of the unauthorized charge from my credit card account.

2. Reversal of any negative impact this charge has had on my credit score.

3. Full investigation into the attorneys fraudulent actions by relevant authorities.

Attached are supporting documents, including : Copies of my credit card statement showing the unauthorized charge. 
The Florida XXXX complaint I filed against the attorney. 
Any correspondence between me and my credit card company regarding the dispute. 

Please investigate this matter as soon as possible, as the ongoing credit damage is causing me significant financial harm. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Peoples Credit Inc. (IL)

XX/XX/year> I got into a car accident. In resulted in a total loss. I was able to file a claim with my insurance and attempted to file with my XXXX insurance as well. XXXX insurance said they needed proof of a total loss before helping. At the time of the accident I had both. The same day, ( XXXX ) I made an insurance claim with no problems. I later checked the status of my claim on a different day and was told my insurance was inactive. I made the claim with no problem before. The loan company knew of this and we were waiting for a response from XXXX on the spot. 
My car was completely damaged and not drivable at all. I was struggling to make ends meet to paying off this car. I do not think the repossession of the vehicle is accurate but definitely struggled to make payments on the vehicle after the accident. Emails and phone calls were attempted with the company, but the customer service was terrible. I felt like I wasnt being helped enough as a college student during COVID
Consumer complaint received 2024-10-29
Product: Credit reporting 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)

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 : XXXX XXXX XXXX Ohio XXXX XXXX 15 U.S.C 1681 SECTION 602 A. State I have a right to privacy 15 U.S.C 1681 SECTION 602 A It also state 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 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 ) ( 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry XXXX XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible :
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/year>, my wifes cell phone was hacked and two fraudulent charges were posted to our checking account totaling {$1300.00}. These fraudulent charges were reported to the WF fraud Claims Assistance Center as soon as we detected them on or about XX/XX/XXXX. A {$150.00} charge was written off by WF with the funds restored to me but a charge of {$1200.00} was left open by WF while they " investigated '' it. 

A Network Engineer who works at a very high-level doing XXXX Testing for the State Department analyzed the phone hack for me and determined that the funds were transferred via XXXX XXXX to a recipient in XXXX XXXX XXXX . I passed this information on to WF 's fraud department but, again, I got no response on this. 

On XX/XX/year> I received a notification that my dispute over {$1200.00} that was sent via an unauthorized transfer was deemed closed by Wells Fargo in favor of the thief and WF charged the {$1200.00} back to me. 

In each of several telephone conversations with WF 's fraud department regarding this incident, I asked why we were not alerted by text or e-mail before WF honored this highly unusual transaction as promised by WF in their web site. I also asked ( at least 5 times ) for the documentation that WF said it had that justified honoring these thefts. I never got an answer to either question and I am still waiting for any documentation WF said it had regarding this theft.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

upon reviewing my credit report, I discovered the following unauthorized inquires listed on my credit report. I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the Fair Credit Reporting Act. I am requesting immediate removal of these fraudulent inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax  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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax 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 Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX Account Number : XXXX Reason : How are you reporting late payments if I am protected by the Cares Act. Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is XXXX  % accurate on my report.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, I mailed a request for additional information for purposes of verification. I opened the account in XXXX of XXXX. It was a secured credit account. The initial deposit was {$200.00}. I received {$200.00} in credit. I do not recall ever receiving the card. I requested the account information and billing history to verify the {$87.00} charge. I sent documentation showing the initial email and {$200.00} transfer receipt. I received no response. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX was the only contact information available. 

I disputed the charge several times with the credit reporting agency with no success. In XXXX, I was provided a customer service number XXXX. The representative I spoke too could not provide transaction, billing, or payment history for the account. The representative stated the account had been turned over to collections and I would need to contact that agency. 

I called the number provided by the representative and the agency was also not able to provide any information on the account. I was referred back to first progress customer service. First progress holds the full balance of my security deposit and the erroneous information reported appears on my consumer credit report. I would like verification and the requested information from XXXX XXXX and I would like the account and the false information removed from my consumer profile. In addition, I would like a refund of the security, less any verified charges. 

Thank you.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OK)

I have a collections account on my credit report by Lvnv Funding LLC. They never contacted me or sent a debt validation letter. Then they had XXXX XXXX try to collect the debt with little information, I did not receive a debt validation letter nor a letter stating I have the right to dispute. They had emailed me from XXXX.
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-10-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Dear, PORTFOLIO RECOVERY ASSOCIATES I am writing in reference to a debt you have claimed to collect, listed under account XXXX and Account Number XXXX on my credit report. I dispute the validity of this debt and request immediate action on the following matters : XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt, including Detailed information about the chain of title for this debt, including proof that you have legal authority to collect. A full breakdown of the debt, including any fees, interest, or charges added to the original balance. Documentation of any contracts or agreements that substantiate my responsibility for this debt. 

XXXX. Request for Purchase Agreement : If this debt has been sold or transferred to your agency, I request a copy of the purchase agreement or bill of sale that confirms the transfer of this debt from the original creditor to your company. This documentation is necessary to establish your legal right to collect on this account. 

XXXX. Demand for Removal from Credit Bureaus : Since this debt has been sold, I request that all negative information related to this account be removed from my credit reports with XXXX, XXXX, and XXXX. Reporting this debt without full validation and proper legal ownership XXXX constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Conditional Agreement for Compensation : If you fail to provide the requested validation, including the purchase agreement, and do not remove this account from my credit reports within XXXX  days of receiving this letter, it will be understood that the debt is invalid. Furthermore, by failing to comply within the XXXX period, you agree to compensate me {$500.00} per day for each day that the debt remains on my credit report past the deadline until it is removed. 

Please note that under the FDCPA, you are required to cease all collection activities, including reporting this debt to the credit bureaus, until it is validated. 

I expect your prompt response and resolution of this matter. Failure to comply with these requests may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the pursuit of legal remedies. 

Thank you for your attention to this matter Sincerely XXXX XXXX
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (TX)

According to the email messages received, since I no longer have access to this account, I have opened a XXXX XXXX personnal checking account with Huntington bank on XX/XX/XXXXXXXX XXXX XXXX XXXX. Their website advertizes a {$600.00} promotion after {$25000.00} deposits within 90 days. This checking account was opened in branch with a banking associate that failed to assist with the promotional opportunity even upon trying to sell other banking services. 
After completing the required deposits for the {$600.00} promotion have never received it. I have opened an inquiry with the bank regarding this case and was told it will take weeks. However I have never heard from Huntington again.

I have called their costumer support line again and asked them to change the checking account to their no monthly fee type and also inquired again regarding the missing promotion. 
I have called them one last time today and was told the promotion was not honored since the bank failed to process a " bonus code ''. And now this account is already closed and it is no way to process anything. 
Highly disappointing there is yet another banking institution that fails to honor their advertized terms.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.