davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (PA)

I changed my payments to bi-weekly and also lowered them since I was paying more than the minimum payment. To do so, I still have to make my original monthly auto-payment of {$350.00} in the same month the bi-weekly start- making it 3 separate payments in a single month. Because of that I wanted to lower that to the minimum payment of {$300.00} like the prompt said when I changed my payments ( in the screenshot ). 

I called to lower my next payment to the minimum amount before I start the biweekly payments ( website says it takes 2-5 days to process ) and they said I can't change it and I have to pay the XXXX. I still have A WEEK until that payment is due and they won't let me change it to the XXXX. 

I'm doing this because I can no longer afford to pay more and I have to break it up. I should be allowed to pay the minimum when there IS time to process the change ( in the amount.
Consumer complaint received 2023-06-19
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. (CA)

All information untainted and being reported has been fraud. I have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debts, in fact therefore exists
Consumer complaint received 2024-07-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I have always had issues paying my Big Lots Credit Card from Comenity Bank. They always needed me to have my account number to pay and I have never had access to that number until today. They always waived the late fee and helped me make my payment over the phone and they would always promise to help me log in easier in the future somehow but they never did or it never worked like they intended for some reason. Today they finally gave me my account number over the phone which they aren't allowed to do but I guess they did anyways, I was able to create my own account with my own user name and password like normal companies in 2024. So I got transferred to a supervisor and I asked her just as nicely as I have every other time I've had these issues for her to remove the big late fee and I will pay my full bill right here right now and in the future I have my own registered account that I can log into and pay the bill on my own. She said we already waived two late fees within 18 months we can't do it again and we are only allowed to do it once. I said well if you did it twice then you already broke the rules previously because you recognized that the situation wasn't my fault and its just a XXXX weird situation no one wants to have in general. All my other credit cards are paid on time I never have an issue with any of my bills except Comenity through Big Lots Credit Card. She said she can't remove the late fee and I said well I can't pay my bill until you treat me fairly and remove the late fee that's not my fault to begin with and she said whatever sir I'll just mark you down as a refusal and hung up on me. So I'm reporting Comenity because they are scamming everyone, it's not just me. A big XXXX  thread about Comenity just got started yesterday and everyone on their is coming out about their terrible experiences with Comenity and their scams. It's the absolute worst company to ever take a credit card from and I got the credit card at Big Lots. I didn't know Comenity was the actual XXXX behind the counter or else I would have purchased my XXXX daughter 's bed somewhere else. This is not how you treat humans professionally or personally, it's disgusting.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (OH)

XXXX name : EXPERIAN XXXX address : EXPERIAN XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or XXXX, whichever is greater XXXX XXXX XXXX such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear EXPERIAN, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Consumer complaint received 2023-06-19
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. (CA)

All information untainted and being reported has been fraud. I have not supplied proof under the doctrine of estoppel by silence, Engelhart v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debts, in fact therefore exists
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (TX)

I was out of a country for 10 years and after I returned to the XXXX, I found someone made some unauthorized transaction with some credit card which I am completely unaware of. Is that the way you treat and welcome the other country folk with so much hate and discrimination? I am appalled and disheartened to witness that type of customer service and hostility. However, I still have hope that some good people still exist on earth and justice will prevail. Imagine someone misused your card and make charges against you on your incognizance, will that be fair to you? 

So, I request Citi bank to kindly escalate the matter to inform the Bureau to remove the flag of charge off against my credit report that is defamatory, derogatory, completely illicit, unauthorized, and happened without my knowledge and permission. As a guardian of the citizen and their well wisher credit Bureau will understand the fact and situation of the matter and assist the victim to get rid of the false flags.
Consumer complaint received 2022-12-09
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored this document. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me.They are not adhering to section 605b by blocking or removing it from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The accountis as follows : XXXX  XXXX Date opened XX/XX/2021 XXXX : {$26000.00}. 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 United States Postal Inspection Service, 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 emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-01-02
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. (AZ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-02
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)

In accordance with the Fair Credit Reporting Act, External Finance account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

My PIN number was accessed by an unauthorized person and made over XXXX charged on my debit card. The bank did not give me money money back after saying the charges were uncharacteristic for my usual transactions. They closed the case and did not refund me the full amount that was taken from me.
Consumer complaint received 2024-01-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2024-01-31
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. (NV)

Experian is needs to Reinvestigate the disputed information in my dispute letter. They need to notify me within XXXX days of receving the information that it is being reinvestigated. They are not in compliance with Metro 2 standards.
Consumer complaint received 2024-03-21
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/XXXX XXXX my credit card was fraudently charged by XXXX XXXX and XXXX  in the ammount of {$3500.00}. Bamk of America recognised {$1100.00} of the fraudelant charges and credited my account. They did not recognise {$2400.00} of the remaining fraud charges as follows : XX/XX/2023 XXXX {$1000.00} XX/XX/2023 XXXX XXXX {$470.00} XX/XX/2023 XXXX XXXX {$980.00} XX/XX/2023 XXXX {$1000.00} XX/XX/2023 XXXX XXXX {$470.00} XX/XX/2023 XXXX XXXX {$980.00} Charges were identical on the same day and same time to people and countries i never made or authorised
Consumer complaint received 2022-11-24
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. (NY)

In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
- XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account names has violated my right. 
15 U.S.C 1681 section 602 A. States I have 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD ACCOUNT. DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX ACCOUNT : XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

THE ACCOUNT BALANCE IS {$7500.00} AND I NEVER KNOW ANYTHING ABOUT THIS CARD. 

DELETE THIS FRAUD CARD FROM MY CREDIT REPORT.
Consumer complaint received 2024-01-02
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. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX  XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Update on XX/XX/2024 ... 

I have recived a call from a wellls fargo represetive who informed me that they would be sending me a check with-in XXXX weeks, and that they HAD given notice about my account closure 9 months prior to them actually closing my account. As far as my money is concered i dont have it or have access to it. Why cant they just send me my check overnight? Wells Fargo had not resloved anything and needs to make myself and their other constumers a actual priority.
Consumer complaint received 2024-01-02
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. (CO)

There is a fraudulent credit card posting on my credit report from XXXXXXXX XXXX XXXX XXXX XXXXXXXX. It is showing over spending limit, and past due payment. This account is fraudulent, as I did not open it. The company and credit reporting agency needs to remove this account within XXXX business days as it is a violation of my consumer rights to be posting false and misleading information. I have reached out to the company, but have not heard anything in response.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (NY)

I do not recognize the credit inquires below and I have asked for these inquires to be removed, but they were not removed by the credit bureaus. I am requesting that they be removed, because they are inaccurate and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
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. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.