davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (OH)

Aspire Mastercard has sent me multiple offers to apply for credit with them and to see if I prequalify, however despite the fact that I am extremely well qualified to take advantage of their products and services, have refused me credit and service multiple times. 

As evidence of my qualification and credit worthiness, I am able to provide credit scores, any and all information listed in conjunction with my personal credit profile, as well as emails and notifications sent by multiple credit reporting agencies which point out, compare, and praise my credit profile for having 1. ) a higher score than the majority of others with similar credit age and profile 2. ) a much lower use of available credit 3. ) a superior payment history, etc. 

I strongly feel that being denied credit by Aspire Mastercard is a perfect and obvious example of illegal and unscrupulous credit discrimination.
Consumer complaint received 2024-07-30
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 recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance. 

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX  XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. ()

I was Louisiana court ( XXXXXXXX XXXX  ) appointed Administrator to the Successions of my late parents on XX/XX/XXXX. In reviewing 7 years of bank statements, I discovered Comentity Bank had issued a charge card in my father 's name without vetting, over 6 years after he died. The card was being used, evident by 3 credit reports. On a phone call to Comenity Bank on XX/XX/XXXX, informed I needed to mail proof of death to one mail box, and to a second mail box, documents showing legal authority to represent my deceased father before any information could be provided. A cover letter with the same 10 documents was sent on XX/XX/XXXX to both mail boxes, showing with adequate documentation, I had legal authority to represent my deceased father. In cover letter to Comenity Bank : 1 ) reported credit card fraud : 2 ) requested account be closed : 3 ) requested copies of monthly statements : 4 ) requested any opening account documents. Uploaded with this compliant 20 supporting documents. In 26 page, Administrator Succession Interim Report filed on XX/XX/XXXX with the XXXX XXXX there is a Sub-titled section Comenity Bank Refuses To Recognize XXXX XXXX XXXX. Paragraph 61, [ ADMIN ] wants to bring to the court 's attention, facts that culminated in unsuccessful effort to receive requested documents from Comenity Bank. Documents needed are those that would validate a creditor 's debt claim pursuant to XXXX XXXX XXXX. Comenity Bank has filed through a collection agency in case XXXX creditor 's claim for {$7400.00}. on XX/XX/XXXX. [ ADMIN ] is filing complaint with Consumer Financial Protection Bureau. [ ADMIN ] has talked to bureau. Documents were never sent. Facts show Comenity engaging in cover up, creating customer account without permission ... ... ... .Follow up phone calls were made requesting document request status, however documents never sent.
Consumer complaint received 2023-12-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Property fees were due for a property I have never lived at. Criminal took my social and dob and used it to obtain a residence. He also purchased 3 vehicles and 2 cell phones under my name.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Company has violated my rights,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1681n - Civil liability for willful noncompliance, as well as my SCRA rights.
Consumer complaint received 2024-02-22
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions.. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
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)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$29000.00} ; XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I have a student loan with duplicate amount and incorrect information that was sent to XXXX in the amount of {$150.00}, XXXX I contacted loan servicers who had refused to investigate the loan and to correct it but sending wrong information to my credit report XXXX weeks ago, I received an alert from XXXX a student loan is in the amount of XXXX, XXXX. I contacted loan services ( XXXX XXXX  they denied reporting such information and XXXX had refused to delete such information XX/XX/year> I received an alert from XXXX with a student loan debt in the amount of {$480000.00} today. I contacted XXXX XXXX  twice and was told they did not report this information to experian. spoke with XXXX who said they will not remove them unless XXXX told them. I have been playing like a yo-yo.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have received an ongoing credit report that suggests that I may owe XXXX XXXX XXXX. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that XXXX XXXX XXXX, Experian, XXXX and XXXX provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.
Consumer complaint received 2024-07-30
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. (AZ)

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report.

The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Delete from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Delete from my credit report.
Consumer complaint received 2024-02-23
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. (GA)

XXXX XXXX, i looked on my report an experian and XXXX .i keep calling them for my report and anything change .they told me they remove the closed account and report but nothing. 
it is so wrong and crazy but they are not doing their job.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I have received an ongoing credit report that suggests that I may owe XXXX XXXX XXXX. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that XXXX XXXX XXXX, XXXX, Equifax and XXXX provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

My Fair Credit Reporting act consumer rights have been violated. The accounts listed in attathcment 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumerto anyconsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IN)

I have used my Citi Bank card for 4 different balance transfers. I knew that my first balance transfer would be due by XX/XX/2023, so I have been making an extra {$300.00} - {$500.00} payments ( on top of my minimum amount due ) for several months. Now that XX/XX/XXXX is just around the corner, I looked at my statement and expected to have a small amount to pay off for this balance transfer. 

I just spoke to Citi 's customer service and was told that they apply my payment to the balance transfer with the highest interest rate. Some of mine are at 0 % ( including the one due XX/XX/2023 ) and some are at 1.99 %. They have not been posting my payment to the balance transfer that will expire first. Which means, that there is no way for me to pay off that balance and I will be charged 25 %. 

The customer service guy said it was my fault for not reading the contract. I still feel that this is SHADY. He also told me that I could just pay it off on XX/XX/2023 & it would only have one day of interest. I can't pay {$2600.00} all at once! That's why I've been making extra payments- and why I needed the darn loan to begin with!
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have received an ongoing credit report that suggests that I may owe XXXX XXXX XXXX. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that XXXX XXXX XXXX, XXXX, XXXX and Transunion provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.
Consumer complaint received 2023-08-25
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. (NC)

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big 3 CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. You are now in liability as I have insisted on the immediate removal of the identified items in the past, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Consumer complaint received 2023-08-28
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: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-12-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (TX)

On XX/XX/2023, I contacted National Credit Audit Corporation regarding an alleged debt they claimed I owed. Due to being a victim of identity theft, I promptly requested a debt validation letter to verify the legitimacy of the purported debt. Regrettably, rather than cooperating with this request, their representatives responded with hostility, aggression, and a refusal to provide the necessary documentation. 

Throughout my discussions with their representatives, specifically XXXX and XXXX, I endured verbal abuse, raised voices, and intimidation. Their behavior was not only unprofessional but also deeply distressing. Despite attempting to communicate calmly and assert my rights under the FDCPA, I was met with further hostility, they raised their voices, yelled at me, and failed to address my legitimate concerns, and the calls were abruptly terminated on numerous occasions. 

Moreover, despite subsequent attempts to contact other representatives at National Credit Audit Corporation for assistance or clarification, I was consistently directed back to the individuals who had previously mistreated me. This created an environment of discomfort and apprehension, making it seemingly impossible to resolve this matter without facing further mistreatment. 

Furthermore, their insinuation that I was dishonest about the debt not belonging to me was profoundly distressing. As an identity theft victim, I am seeking resolution and clarification regarding the debts in question. Their refusal to cooperate, coupled with their disrespectful and abusive conduct, has compounded the distress caused by the initial identity theft incident. 

I firmly believe that National Credit Audit Corporation 's actions not only violate the FDCPA but also disregard fundamental ethical principles in their interactions with consumers. I respectfully request that the CFPB investigates this matter thoroughly and takes appropriate action to ensure that consumers are treated fairly and respectfully in accordance with the law. 

I kindly ask the CFPB to intervene and initiate an inquiry into the practices of National Credit Audit Corporation. I am also seeking your assistance in resolving this matter and obtaining the necessary validation of the debt as per my rights under the FDCPA and disputing it. 

Thank you for your immediate attention to this matter. I trust that the CFPB will take the necessary steps to address this issue and safeguard consumers from the unacceptable behavior exhibited by National Credit Audit Corporation. Below is the debt collector company. 

National Credit Audit Corporation XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX