davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (OH)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from DESIGNED XXXX XXXX listed on my credit report as a collection. This collection was reported on my XXXX and XXXX report up until XXXX of 2023. This collection was proven not accurate based on the fact that I never engaged in any agreement with XXXX XXXX XXXX 

THIS COLLECTION HAS BEEN REMOVED FROM MY XXXX AND MY XXXX CONSUMER REPORT AND I EXPECT IT TO BE REMOVED FROM MY EXPERIAN CONSUMER REPORT. 

IT IS AFFECTING ME IN A NEGATIVE WAY I AM UNABLE TO GET A LOAN FROM ANY FINANCIAL INSTITUITONS BASED ON THIS INACCURATE INFORMATION.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (TX)

In short Im currently dealing with rectifying being a XXXX XXXX XXXX XXXX and identity theft and over the years Ive made countless complaints and disputes with a company called XXXX XXXX XXXX XXXXXXXX XXXX this has been on my credit report going on 7 years and I had gotten it removed just for them to continue to re add it to my credit file which has resulted in my score going down and negatively impacted the quality of my life please help me
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

There is inaccurate information pertaining to this account on my credit profile. There isn't an account number listed for any bureau and the profile has this account closed XX/XX/XXXX and still reports on time payments in XX/XX/XXXX. There isn't a late payment in the XXXX year history, yet it is showing a XXXX and XXXX  day late payment via the Equifax bureau. Please take immediate action in removing this account immediately as it has been reporting inaccurate information for several years.
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : 316293418 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 2021-08-12
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-06-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: LAKE MICHIGAN CREDIT UNION (MI)

On XX/XX/XXXX Lake Michigan Credit Union placed forced car insurance on a XXXX XXXX. On XX/XX/XXXX the loan was paid off in full and the car was sold. On XX/XX/XXXX spent XXXX hours on the phone with Lake Michigan Credit Union to cancel the forced place car insurance. On XX/XX/XXXX after receiving another letter asking for proof of insurance, spent XXXX hours on the phone with Lake Michigan Credit Union stating the loan was paid off and asking for a refund. They refused to accept proof of the payoff from the consumer, stating that it had to come internally from within the company. On Saturday XX/XX/XXXX, received another request from Lake Michigan Credit Union asking for proof of car insurance for a loan that doesn't exist on a car that is no longer owned. How an institution can not correct their records between departments within XXXX  hours is unacceptable.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Open. {$240.00} past due as of XXXX XXXX. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I am writing to formally complain about the handling of my Apple Savings account by Goldman Sachs, which has caused significant inconvenience and financial loss. Due to an error by one of their employees, my account was frozen without any notification. This freeze resulted in a failed outbound transaction ( XX/XX/year>, {$5200.00} ), causing my credit card to incur interest fees due to the untimely payment. I have mailed Goldman Sachs all the evidence regarding this issue. Despite this, I have not received a formal response. An associate contacted me, admitted the error was on their end during a recored phone call session, but refused to provide a formal written response. They informed me that providing such evidence is not within their policy. I am seeking your assistance to address this matter. I request that Goldman Sachs provides a formal response to this complaint, reimburses the interest fees incurred, and confirms that measures have been implemented to prevent such errors in the future. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. Sincerely,
Consumer complaint received 2024-04-30
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. (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 Account Number : XXXX Account Name : XXXX 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 Account Number : XXXX Account Name : XXXX XXXX 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 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfoliorecov left a voicemail incriminating an arrest for someone I don't know. They repeatedly keep calling my phone number using different phone numbers listed here : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-09-09
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. (PA)

When I checked my credit report today, I was alarmed to see unauthorized inquiries I didnt expect. This is highly unusual, and I even tried refreshing the page, but the inquiries remained. Im very upset about this situation and ask that my documents be examined carefully so this issue can be resolved immediately and I can stop worrying.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

We literally had to drive down to a local M & T Branch in order to obtain my bank statements and copies of checks in order to do our taxes ( they wont provide online or after a phonecall request ). These XXXX  still have not either mailed or sent these to us in weeks, and time is ticking. Truly the worst bank ever.
Consumer complaint received 2024-06-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NY)

A store clerk opened a Sephora store Credit Card without my consent. The date is unknown. The Credit Card displaying my name was never physically used by me for any purchase. I reached out to XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX, and was informed by their representative they are unaware of the invoice for the charges however, there is a total balance due of USD XXXX. 

I have not received an invoice for the charges to file a police report. 

I've contacted Sephora several times and was ignored after the attempts. 

Sephora reported unpaid charges on my credit report for over ( 2 ) years and then sold the balance to a debt collector.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/year> I got numerous of letters from different law firms saying that LVNV Funding is suing me and a I have a court date on XX/XX/year> for old debt from credit cards due to Covid19 and also laid off from my employer I was unable to continue payment on those particular cards. For this company to buy my debt from the collector XXXX XXXX XXXX XXXX and sue me for old debt is wrong and an form of Harrasment And I can't financially afford a lawyer for this matter.
Consumer complaint received 2024-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

Please be advised that on XX/XX/2024, at XXXX EST there was a 57-minute phone call inquiry placed in regard to my account sudden outstanding balance. During that call, it was said that a check was mailed to me and cashed. I stated that I've never received a check. 

Further details e.g. the tracking number and copy of the check front and back were inquired but not provided to me via call, email, or hard copy mail. Immediately, should the suggestion of a fraud packet should have been brought up by the company and per my recollection was not. 

Due to the lack of information, a subsequent follow-up call was made on XXXX XXXX. 

This situation is ruining my credit and I have not received any information or the fraud packet as of XX/XX/2024.
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio recovery was in dispute, but accepted a lower amount from me to delete the account from the bureaus, but instead of deleting it, left a comment that I settle for a lower amount, which still leaves a negative impact on my credit. They had several months to delete this instead of making a false agreement to do so, knowing that I was disputing the entire amount
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: LEXISNEXIS (WI)

I feel I have over the years tried and trying to have these delinquent information that's on my credit report that wasn't given permission which is credit card information student loans hard inquiries that they have not by law pulled off my credit report
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG HOLDINGS INC (MI)

I reviewed my credit report and found XXXX XXXX  card opened on XX/XX/XXXX and tempoe llc/XXXX XXXX XXXX opened on XX/XX/XXXX to be fraudulent accounts. I did not agree to run my credit to open these accounts.
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: ID Analytics, Inc. (WI)

I feel I have over the years tried and trying to have these delinquent information that's on my credit report that wasn't given permission which is credit card information student loans hard inquiries that they have not by law pulled off my credit report
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (WI)

I have over the years tried and tried to have these inquiries removed but they have not removed none of these inquiry for one they didn't get permission from me or they organization to have anything on my credit file hard inquiries and a lot of the credit information
Consumer complaint received 2024-06-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

Rent Recovery Solutions placed a {$1800.00} debt on my credit report but can not tell me what it is for and I was never received notified about this debt. I only found out about this debt when I saw it on my credit report. The representative, XXXX XXXX, that I spoke to on XX/XX/2024 never confirmed my date of birth before speaking to me. I asked what the debt is for. She said they do not have any details on what the debt is for. I asked why I had never received anything in writing from them before the debt what placed on my credit and she said they are not required to send me anything in writing. I asked what address they had on file for me. She read off my previous address however, it did not have my apartment number, therefore it was an invalid address. Any mail attempted to be delivered there would be returned and would not make it to the mailbox for my former apartment and could not be forwarded to my new address. When I informed her that the address they had on file is an invalid address, she said that it's my responsibility to update my address with the post office. When I started to explain that it wasn't my new address that was the issue but my previous one and that if they didn't have the apartment number on the address, it would be returned because that address is invalid, she cut me off, started raising her voice and said that she is not going to go back and forth with me about an address and that I need to pay my debt. I asked to speak to a supervisor. She said no one is available but she could transfer me to her voicemail. I left a voicemail and have never received a call back. I was never informed about this balance by my apartment complex or Rent Recovery Solutions before it was placed on my credit. I never had a chance to review the charges, dispute them, or pay them before they were placed on my credit report. Also, considering it was my previous apartment complex from which this debt originated, they obviously had my apartment number. So Rent Recovery Solutions did not enter it correctly and still reported it to my credit even though it the letters were being returned.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Receivable Management Services LLC (FL)

XX/XX/year> {$330.00} XX/XX/XXXX XXXX {$960.00} XX/XX/XXXX XXXX {$73.00} Ive submitted disputes and also called the company to rectify this situation