davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
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: EQUIFAX, INC. (PR)

I opened an account ( residential account ) with  XXXX   XXXX   XXXX   XXXX   XXXX  known today as "  XXXX  ''  XXXX  in  XXXX . I personally went to this company and closed the account in  XXXX  ( I am attaching evidence ). During the last years, this account appeared in my   XXXX    credit report in the "  Closed  Accounts '' section until it was removed from my  XXXX  credit report. Recently ( since  XXXX   XXXX  ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with   XXXX    along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately,  XXXX  did not accept this evidence so as to remove this account from my credit history. I called again to  XXXX  and they asked me for another kind of letter  XXXX   Credit Correction Letter   XXXX . Then I called again to  XXXX  and they informed me that they " will '' send a  Credit Correction Letter . Originally  XXXX  informed me they sent the letter but they did not. Attached you will find evidence that I went personally to  XXXX  in  XXXX  to ask for a letter as an evidence that this account was closed in  XXXX .
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST CREDIT FINANCE (CA)

This debt collector violated the FDCPA by engaging in XXXX deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : FIRST CREDIT FINANCE - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Banco Popular de Puerto RicoMortgageDespite being completely up to date, this bank has been harassing me since XXXX 2015, every month by calling on the 1st, 2nd and 3rd day of each month to pressure me to pay and when they can expect payment. I repeat, the mortgage is not in arrears or default, it is completely up to date.
Consumer complaint received 2022-09-19
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. (IL)

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : XXXX. XXXX 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 US DEPARTMENT OF EDU Account # : XXXX XXXX. US DEPARTMENT OF EDU Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-09-11
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: SYNCHRONY FINANCIAL (PR)

I CALL THE COMPANY SEVERAL TTIME AND THEY SAID THAT I HAS TO CALL THE CREDIT REPORTING AGENCY AND I BEEN IN THIS SITUATION LONG TIME THIS IS A FRAUDULENT INQUIRY
Consumer complaint received 2017-09-10
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: BANCO POPULAR DE PUERTO RICO (PR)

I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX Banco Popular XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to file a formal complaint against [ XXXX XXXX XXXX XXXX for unfair and deceptive practices that have negatively impacted my financial situation. I believe these actions are in violation of the Consumer Financial Protection Act ( CFPA ) and request your intervention.

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX XXXX below are the Accounts that are being challenged OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX  Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust that CFPB will thoroughly investigate my complaint and take appropriate action against XXXX, XXXX, and Equifax. 

Please inform me of any further information/documentation required to support my complaint.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I recently received a copy of my XXXX, XXXX, and Equifax credit report, and I noticed some late payments posted on my credit report : Place late accounts here : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 
Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (SC)

ive consistently paid my cards on time for years only to have my limits reduced and interest rates hiked to keep me in debt longer and XXXX score reduced. Ive paid lenders more in interest than Ibe spent as they continued to increase my interest rates, fees and balance.
Consumer complaint received 2024-07-18
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. (NY)

I successfully file a dispute with Experian about falsely reported address on my credit report. Now I would ask the company that put that address, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on this report to rectify their relationship with the fraudulent actor who put this address into my report so that a ) they are arrested for fraud, if that is the case, or b ) incorrect input of a social security number like mine be corrected to the correct SSN. Finally ensure that this error or attempt at fraud does not ever reoccur. Please let me know if a fraudulent entry was made and, if so, if the right law enforcement agency should be contacted and who this is. Be aware the help you provide is so appreciated!
Consumer complaint received 2024-08-06
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. (CT)

The credit reporting agencies XXXX, Equifax and XXXX have reported that there are several hard inquires on my credit report. I have contacted each credit reporting agency and notified them of this fradulent identity theft activity dating back to XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I further discovered that the XXXX XXXX inquiry is related to a corporate business account which was not unauthorized by my authority. I have taken the action to have the inquires removed from my credit report.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-08-06
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. (NY)

These inquiries are a result of identity theft, i keep mentioning this to the bureaus they have done nothing. i demand they be removed in the next 24 hours or it will result to litigation against them
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: The J. G. Wentworth Company (PR)

JGWenthworth is holding my escrow funds indefinitely and not paying me interest on my funds. I already paid off my loan. Furthermore, they stole {$30.00} as a last bite out of my escrow after I paid off my loan. I believe JGWentworth is violating Federal Mortgage Housing Lending regulations. They are disgracing US service men who are serving or have served their country.
Consumer complaint received 2024-06-26
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. (GA)

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this for quite some time now. Kindly remove the following : XXXX XXXX XXXX XXXX XXXX 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 2024-08-17
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TN)

I received an email of credit karma on XX/XX/XXXX. The email received was saying that someone added you to their credit card. 

( ( XXXX XXXX, According to your XXXX credit report, someone recently added you as an authorized user on their account with XXXX. * ) ) I haven't authorized any one to add me to their credit card account. 

I called XXXX on XX/XX/XXXX, and they could not open my credit report. I had to send my documents, license and my social security. I have being calling them to obtain more information. Due that I send the documents in a certified letter, it arrived on XX/XX/XXXX. When I call experian the still can open my credit report and they say it can take up to XXXX to XXXX  days for them to open my case with my documents.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Hatfield, Inc. (CA)

1. 15 U.S.C. 1692g - Validation of Debts : * Your company failed to provide me with proper validation of the alleged debt within the required time frame.

* I demand that you promptly provide me with the necessary documentation to verify the validity of this debt, including details of the original creditor, the amount owed, and any relevant account information.

2. 15 U.S.C. 1692c - Communication Restrictions : * Despite my explicit request, your company continued to contact me regarding this debt without providing the required validation information. 
* I insist that you cease all communication related to this debt until you have fulfilled your obligations under the FDCPA.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (FL)

I had signed up for the paperless settings when i joined and have made it clear I want all communications via email. The company refused to communicate via email or their own portal for vital communications such as disputes. Even for the recent issue, i received no valid communications per my preferences as they keep mailing things with no digital notice even, though my strong preference is all communications to be digital. None of the mail they have supposedly sent me was received and should be considered invalid as there is not record of it being received. They should send everything via email or portal ( digital/paperless ) per my preferences. Thank you.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (PR)

Credit card account with Sears issued by Citibank was wrongly reported as a charge off to the credit bureaus after being closed by Citibank. Account received monthly payments as required but reported after due date and without notifying any late payment, past due balance or any contact for orientation account was closed affecting my credit. After closing account the balance was paid in full in XX/XX/XXXX, in my XXXX credit report is reporting as it was closed on that date XX/XX/XXXX affecting more my credit score because the account was closed on XX/XX/XXXX. Account was opened on XX/XX/XXXX and closed in XX/XX/XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

I had some debt collector companies reached out to me, I asked them to validate the debt and also show me proof that they're own the debt and a lease agreement from both parties and proof that I owe them they don't showed none of the things that I asked for please help me remove the incorrect information they keep reporting in my credit report because they won't validate the debt thank you.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PR)

On my credit report as of XX/XX/2016., I am still being reported by Sears as being 120 days ' delinquent in making payments to my account. 
However, when the first notification by Sears by phone that a payment was due, I made a payment in full. During that conversation, I explained that I have not received any notification ( Alert notification on the web site ) of any overdue payment or statements. The representative explained that there have been issues reported, and I was credited any late charges to my account. After that conversation, a Sears posted a past due payment on my credit report. In a conversation with sears, I found it to be in my best interest to close the account, of which I received a written confirmation on XX/XX/2016. 
Regardless, even after the account has been paid in full, and closed, sears are still reporting that my account is delinquent or 120 days past due. However, there is a zero balance, the account is closed, and in contacting them by phone did not provided me any resources to correct the issue.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

Back in the day when I first joined US Bank NA, I was working in my good merit to achieve the US BANK Cash Rewards + credit card. And they denied me it, with my amazing credit profile I already had established prior, and excused that I had to begin with THEiR secured Visa credit card, first. Which included putting aside MY MONEY, then pay the annual fee, then wait and then apply again for the Cash+ card which would require ANOTHER hard inquiryTHEN when it came to pass I was worthy of the Cash+ credit card. And because I already opened an account with DIFFERENT credit card, I was told I lost my {$100.00} off first {$500.00} spent promotion using that card. But its whateverIm over it. That was just a XXXX move.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I asked Citi BestBuy credit card to lower the existing inflated 30 % credit card interest rate to lower reasonable rate. I negotiated with XXXX XXXX and they lowered my cc card from 28 % to 8 %. But, their customer service department refused to lower the cc interest rate and said it is their policy. Balance due is approx. {$11000.00}.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-03-24
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Transform Credit Inc. (CA)

I went to transform credit to see about a loan, putting my information upon doing so was told I need to cosigner, so I never continued any further with the loan or process come to find out they company opened a so-called credit builder in my account and has been debiting my bank account and upon contacting the company requesting them to show me proof of this so-called account they have not done I try to login into their so-called XXXX XXXX portal. It says theres no information or records of me at all and try to call the company cant get a hold of any live person and I want my credit report cleared of this and the money that they have stolen from me given back and I want them to be held accountable for their fraudulent and deceiving practices