davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC (NJ)

There was no choice for what is going on for me to choose- but they are calling me all day and evening. I switched from XXXX to XXXX. I had two XXXXs on the XXXX  account that I did not connect when I switched to XXXX. XXXX disconnects the XXXX account and hooks you to their them. When I started with XXXX in XX/XX/XXXX they let me think my XXXX account was closed because that's what happens when you change carriers. I got a bill from XXXX  a month or so later for service on the XXXX I told them that I believed XXXX had closed the account and they said for the phones but not the XXXX I had no idea, I explained that they can see the usage- we never used the XXXX after the date the phones changed over. And once you close the phone accounts, you can't even get into the XXXX  accounts online, so how would I know I still had an account open? Since I couldn't get into my XXXX account anymore, it seemed clear that it was closed. They didn't care, I wasn't paying {$460.00} for service on two XXXX we weren't using since XX/XX/XXXX, on principle since it was XXXX and XXXX who made this mistake. If I still really had an open account, I should've been able to get into it online and see it. They sent me to XXXXXXXX XXXX eventually which reported the debt as starting XX/XX/XXXX. That knocked my excellent credit down about XXXX pts. I did dispute it but it came back as still my debt. XXXX must have sold the debt again recently to Sources Receivables Management and now on my credit report it says it was opened XX/XX/XXXX. Now they're calling incessantly and I have not picked up the calls or spoken to them at all. But worse, it knocked my credit again because it's reported as new debt.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (AZ)

I have NEVER been in a XXXX XXXX store. Never applied for a XXXX XXXX account. But last year I realized there was a XXXX XXXX / Commenity Bank account on my credit. AND a Collection company ( XXXX XXXX ) trying to collect on the bad XXXX  XXXX account that I NEVER applied for. 

I've called XXXX  XXXX several times, and they told me that this has happened to MANY people and they promised to fix it. But they only removed the INQUIRY ( see uploaded doc. ) Disputed XXXX  XXXX through the credit bureaus on XXXX, see uploaded letters Disputed the XXXX  XXXX XXXX XXXX ( for the XXXX XXXX account ) through all XXXX bureaus on XXXX. 

The lady I spoke with at XXXX XXXX on XXXX confirmed that this was fraudulent but then ended up hanging up on me. 
This has decreased my scores terribly and I can not buy a house. 

Can you PLEASE help me get XXXX  XXXX AND XXXX XXXX off my report.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-23
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. (SC)

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Consumer complaint received 2024-10-23
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. (SC)

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score. 
XXXX. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im a victim of identity theft there are 14 hard inquiries on my report Im asking yall nicely to have them removed cause I didnt allow them dont know anything about them
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/year>, the criminals illegally received {$39000.00} from my Capital One Bank savings account to the criminal 's ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX  account at XXXX XXXX  located in the State of Washington. Capital One Bank asked XXXX XXXX  to send me back {$39000.00} from the criminal, XXXX XXXX and XXXX XXXX. Capital One Bank informed me the Case Number is XXXX. 
On XX/XX/year>, XXXX XXXX  responded to my complaint with the US Consumer Financial Protection Bureau and states that XXXX XXXX  responded to Capital One Bank on XX/XX/year>. I went to the Capital One Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Wednesday, and talked with the bank representative, XXXX XXXX, about the letter that Key Bank responded to the US Consumer Financial Protection Bureau XXXX XX/XX/year>. XXXX XXXX called the Wire Department and talked with XXXX, XXXX of Wire Department at Capital One Bank. However, XXXX said that he did not find the XXXX XXXX XXXX XXXXXX/XX/year> response sent by XXXX XXXX  XXXX Capital One Bank. 
I need Capital One Bank to give me the response about the {$39000.00} scam sent by XXXX XXXX  XXXX Capital One Bank on XX/XX/year>. I also attached to this complaint : the XX/XX/year> letter from XXXX XXXX  and XXXX XXXX  states that XXXX XXXX responded to Capital One Bank on XX/XX/year>. 
I need my {$39000.00} back because I work very hard for my money and I need the money for my retirement.
Consumer complaint received 2024-10-23
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. (TX)

I am writing to formally dispute an unauthorized account that is currently reporting to my credit report. I have never had an XXXX account, nor have I ever authorized any transactions related to such an account. 

I have attached a copy of a police report and an identity theft affidavit documenting the unauthorized use of my personal information to open this account. These documents provide evidence that I am not responsible for the account activity and that I have been a victim of identity theft. 

I have previously contacted your customer service department regarding this issue and have requested that the unauthorized account be removed from my credit report. Unfortunately, I have not received a satisfactory resolution. 

I kindly request that you investigate this matter promptly and take the necessary steps to remove the unauthorized account from my credit report. Additionally, I would appreciate it if you could provide me with detailed information regarding the account, including the date it was opened, the account number, and any transactions that have been made.
Consumer complaint received 2024-10-23
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX I check my checking account and noticed that {$7800.00} was missing. I immediately called Citizens Bank to report bank fraud. After waiting on hold for 15 minutes and no body pick up the phone, I went to my local branch at XXXX XXXX XXXX, MA XXXX. I filed a claim with the branch manager XXXX XXXX she stated that a unauthorized wire transfer was about to happen, but she was able to stop it. We opened a new account and kept the old account open with XXXX balance. I was told they froze the old account and stopped the wire transfer before the night drop. 

On Tuesday the XXXX the old account was - {$7800.00}, the bank the day before made sure my old account could only accept deposits. I went to my bank two or three times a week to ask for updates and to have give me my money back. I was sent a letter on XX/XX/XXXX from fraud department stating there was no fraud. I called the fraud department for all paperwork for this claim XXXX. as of XX/XX/XXXX, I have not paperwork and no money returned
Consumer complaint received 2024-05-31
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/year> an inaccurate late payment was placed on my credit report. My payment is due monthly on the XXXX of each month and when I made XXXX 's payment on XX/XX/year> they said I was XXXX days late. This was not XXXX days late only XXXX days late. I called some of my other Credit Report companies to ask them how that work, and they said if you make a payment on the XXXX of each month then your next payment is not due till the XXXX of the next month. Then they all stated your late starts the day after the due date which would have been XX/XX/XXXX. That wasn't 30 days but I tried to discuss the situation with Comenity Bank, but they didn't care, didn't want to listen to me nor to try to resolve this issue. You can not talk to the exact people who handle the credit disputes, and you have to mail paperwork and they said just dispute it. Comenity is a terrible company and I'm already on a hardship for XXXX months and they know it but don't even appreciate that I'm keeping the bills paid on time due to me losing my paycheck. Never in my life have I been XXXX days late on anything and I will never let that happen. I want this removed immediately.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

I signed up for an XXXX Chase Credit Card, and one of the promotional offers was 20 % off any XXXX points purchase on the credit card. I purchased points on XX/XX/2024. I tried to resolve this with the company. They said no promotion exists on my account. I explained that Im currently logged into my chase app, staring at the promotional off, explained it was also part of the reason why I signed up for the card. I asked for an email address to send the screen shot of my account. They denied me an email address. I then attempted to contact XXXX about the issue and they said there was nothing they could do. I contacted chase again to dispute the transaction of {$400.00} completely since they are not honoring their promotion. Almost immediately they denied my claim and have not received any written notice from them. Ive waited for emails and calls back about the item but nobody will reach back out to me about the issue.i should have been charged {$320.00} and they charged me {$400.00}. Attached is the confirmation of purchase showing the full {$400.00} was charged instead of {$320.00}, also attached is the promotion on my account.
Consumer complaint received 2024-05-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (VA)

I am submitting a copy of my idtheftreport in regards to fraudulent accounts that currently reflecting on my credit report. Please remove XXXX XXXX XXXX from my credit report immediately I never lived there ( no lease or contract will ever be produced because I honestly never ever lived there ) and dont know what that is. Thanks
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: DriveTime (GA)

Drive time employees may or may not know the consumer laws when it comes to financing a vehicle. I told an employee whos worked at this specific location that according to XXXX anything theres a transaction involved with a consumer credit transaction cash is not involved in any transaction. There are disclosures that supposed to be expressed to the consumers ( me ) clearly and conspicuously to prevent me from being mislead by predatory lending practices by these sharks. 
The vehicle I was observing is a XXXX  XXXX XXXX XXXX XXXX with XXXX for a price of {$16000.00} with payments around {$600.00}. This type of lending is predatory lending. After, I was able to do my own research, this same vehicle cost is roughly equivalent to {$12000.00} and on a low end of {$9500.00}. Theres no way this vehicle should cost this much. This vehicle has lost a great ton of value. The depreciation goes down dramatically by the minute and the dealer wants me to pay more than what the vehicle actually costs. You have to be desperately to fall victim to such predatory lending practices and behaviors. I wasnt able to understand the true cost of credit, and to comparison shop for credit. How could I make an educated informed decision or even shop around if Im being a targeted and being a victim to this type of behavior. The law states that a finance charge is the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 

I told an employee that and I was being ignored. I didnt get the car because of the predatory lending at this location. Then, they asked for a {$800.00} down payment after I told that employee that a finance charge does not include charges of a type payable in a comparable cash transaction. Charges payable in comparable cash transaction includes taxes, title, license fees, or registration fees paid in connection with an automobile purchase. Cash down payments are not included. 

Creditors must retain evidence of compliance with the regulations and the TILA and failure to disclose importance disclosures will lead to significant monetary damages to the creditor.
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Inquiries According to per USC 1681 I DID NOT AUTHORIZE THE REPORTING OFFICES.
Consumer complaint received 2024-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

On XX/XX/year> Navient agreed to a settlement regarding predatory loans made between XXXX. XXXX of my XXXX loans were forgiven, but the remaining XXXX ( that were obtained within that same timeframe ) are still requiring payment. I have contacted Navient several times to discuss why these remaining XXXX have not been cancelled, but the reps just advise that they are not eligible with no actual reason as to why this is. I have also had an enormous amount of interest added ( more than double the amount of the original loans ), partially due to Navient steering me to apply for forbearance instead of any type of income-driven repayment plans.