davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (GA)

I never Authorize these inquiries to be pulled from my credit report and have asked all three credit bureaus to removed them, but they haven't. I requested it be removed XX/XX/XXXX. I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-07-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

These CREDIT CARDS : XXXX XXXX and XXXX allow people to buy items with my credit card and thereafter they want me to pay for the products and for the monthly late fees. 
I have several complains towards these XXXX companies and you just close the complaint with not resolving or solution to this problem. I place a complaint dated XX/XX/XXXX, XXXX because the XXXX store over charged me. Also, the credit card never allows me to verify these items, then I have been charged to purchases I don't have idea if I bought or not because the credit card statement does not have the purchase Items identifications to be able to audit your purchases. The statement just has a total amount to be pay. However, I made the payments of my purchases in cash in the XXXX store at XXXX XXXX XXXX therefore you can Check the video record of myself when I made payments. 
Now in XX/XX/year> is a new purchase of around {$250.00} I never did. I am in hardship, and I don't buy that type of close at the moment. buy they charged my credit card again. and also, I am receiving Statement requesting they payment for XXXX XXXX credit card. 
Please Investigate this fraud if you consider this matter your jurisdiction. 
I apologies to take your time complain about probably your favorites business. 
Kind Regards, XXXX XXXX
Consumer complaint received 2023-11-03
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. (NJ)

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.

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 2024-06-04
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. (TX)

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 NumberXXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my Experian credit report and i noticed payments posted on my credit report : XXXX XXXX under the account number XXXX. You company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) 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 account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 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-of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report this agency is in violation of 15 USC 1681. According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.
Consumer complaint received 2024-07-05
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, account opened at XXXX XXXX on XXXX XXXX under account number XXXX, account opened at XXXX XXXX on XX/XX/year> under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I want to bring to your attention that Columbia Debt Recovery , LLC is not registered as a licensed debt collection agency in the state of Florida. Additionally, my wife and I did not receive any prior notice about this collection before it was reported to the XXXX major credit reporting agencies. The report submitted lacks important information such as an account number. According to the information provided by XXXX XXXX, the details are as follows : Creditor : GENESIS CREDIT MANAGEMENT Last reported : XX/XX/year> {$420.00} Open balance Original creditor : GENESIS CREDIT MANAGEMENT Account opened : XXXX XXXX, 2024 ( 2 months ) ; Account Status : Open Type of Responsibility : Joint Remarks : Placed for collection I am confused because I did not receive an itemization date for the debt when the accounts were placed for collection with the three major credit reporting agencies XXXX, XXXX, and XXXX.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The XXXX reporting agencies, XXXX, Equifax, XXXX - because they have ignored my several attempts to clear my credit, reselling old accounts so that they can keep putting it on my credit report They have violated -As of XX/XX/year>, an amendment to Regulation F ( which implements the FDCPA ) tightened the leash on debt XXXX. 
They are also in violation of this as well - a debt collector reports a debt to the major credit bureaus ( Equifax, XXXX, and XXXX ), they must : Speak to you in person or over the phone, OR Mail you a letter ( or send an electronic message, like an email ) about the debt.

Then, they need to wait a reasonable period of time ( at least 14 consecutive days ) to see if the notice comes back undeliverable. 
They have never done this, Never. 
If they get a notice of undeliverability, they cant report the debt unless theyve achieved communication as described above. ( violation ) CRAslike Equifax, XXXX, and XXXXshouldnt be selling bad credit reports like hotcakes. In fact, theyre bound by the Fair Credit Reporting Act ( FCRA ). ( Violation ) The FCRA ensures that CRAs report accurate and fair information about you. If theyre re-entering bad info without proper validation, theyre definitely breaking the rules. ( Violation )
Consumer complaint received 2024-07-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

After receiving a form of relief for being once again a victim of identity theft, an unknown company has once again resubmitted an deleted debt which resulted from identity theft, the company name is Jefferson Capital System the amount is {$6100.00} the company has continuously reported and relied upon inaccurate information to deform my identity. This has become an huge headache and is very frustrating
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$420.00} ; 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
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a dispute through XXXX to correct an error regarding a car loan through XXXX XXXX that shows that the loan was discharged due to a XXXX  XXXX. That information is incorrect. The loan was not discharged due to a XXXX  XXXX. As a matter of fact the XXXX  XXXX was dismissed. It was never XXXX. XXXX XXXX was initially listed as XXXX of my creditors on the XXXX  XXXX filing, however the loan was satisfied the year before by my insurance company, XXXX, and my XXXX XXXX, as a result of a XXXX that caused my car to be totaled. The loan was paid in full from both parties. I have documentation supporting that fact.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There are XXXX hard inquiries on my credit account that do not belong to me. I live in XXXX XXXX XXXX and have lived here since XXXX. There are many auto loan inquiries for businesses based in XXXX ( I do not have a drivers license so I can not obtain an auto loan nor would I need to and I am not based in XXXX ) there are other loan inquiries as well that do not belong to me. I do not have any paper work referencing these inquiries or loans as they were not made by me. There is also a rental leasing debt from The XXXX XXXX XXXX XXXX which does not belong to me as I have never rented a full apartment on my own.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC (FL)

Hello, on XX/XX/year> I called at XXXX American credit acceptance to work out a payment plan to get my car back from repossession. I originally let them know I was going through bankruptcy & I wanted to leave my car loan out of the bankruptcy & work with them on a payment. I asked the rep if there was a way I could have an extension on the account and I pay a month bill and get my contract restructured & he agreed. Later at XXXX I called back to see if I could get the loan restructured and the agent was very rude & didnt allow me to speak. The agent also hung up on me. I called back again to speak to a supervisor at XXXX and the supervisor stated they were going to escalate the matter. I told them I was going to report them to the consumer agency and sue them for customer mental abuse & slander during a stressful moment in my life. I asked them to let me get my vehicle back & restructure the lease & they still said that it wouldnt be a guarantee. They currently are charging me {$510.00} a month with a 24 % interest rate & I am now finding out even the interest is illegal in Florida to be this high. I want to take full action on this company soon as possible. American credit acceptance phone number is XXXX / complaint Thank you
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. ()

In XX/XX/XXXX, XXXX  XXXX XXXX unilaterally closed my checking account. The bank explained that it has such a right according to the agreement. 
In XX/XX/XXXX, XXXX XXXX  closed my checking account in the same way. In both cases, the banks did not ask me about any suspicious transactions and did not ask me any questions. 

In XX/XX/XXXX, I tried to open accounts with the following banks : XXXX XXXX, XXXX, XXXX. And I got rejected everywhere. I assume that there is negative information about me somewhere. But I do not know what kind of information it is. 

I am deeply convinced that I have never engaged in any criminal activity or participated in questionable operations.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-06-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LendingPoint Holdings LLC (NJ)

LendingPoint breached their contract with me by overcharging me and debiting my bank account on random days that I did not agree to. After I made a complaint and requested for the account to be closed XXXX/LendingPoint closed the account. I could not access my account for months so I thought it was closed do to XXXX  honoring my request for the account to be closed as indemnification since they debited my bank account leaving me in a deficit on dates that were not agreed upon. Per the Contract the temporary relief for {$26.00} was supposed to be for the next 2 periodic payments per the contract payment dates remained the same which meant on the XXXX so for the contract that was signed on XX/XX/XXXX the next 2 payments were supposed to be XX/XX/XXXX and XX/XX/XXXX and it was supposed to only be for {$26.00} on XX/XX/XXXX lendingpoint charged {$260.00} and I had to call them for 2 weeks straight before they gave me my money back. I explained to them that because of their breach of contract I wasn't able to buy food and pay other bills their solution was to put me on another temporary relief for their mistake. The next Temporary relief was suppose to be for XX/XX/XXXX and XX/XX/XXXX for {$26.00} but again they debited my bank account the wrong amount {$31.00} and on the wrong XX/XX/XXXX this left me in a financial deficit again and the trust was no longer there since LendingPoint breached the contract twice. After I successfully removed them from my bank account I made a payment XX/XX/XXXX when I went to make a payment on XX/XX/XXXX the account was closed. I could no longer access my account and it stated the loan was complete. Also on my credit report XXXX showed up with a completed loan status so it seemed as if they honored my request and closed the account down. Then earlier this month on XX/XX/XXXX I received an email from a collection company XXXX XXXX XXXX advising that I owe {$11000.00} and that they are contracted by another collection company XXXX XXXX XXXX. I complained to XXXX XXXX XXXX and they advised LendingPoint to charge off my account on XX/XX/XXXX and placed the account with them. XXXXLendingpoint noticed that they breached their contract and instead of correcting the errors made they used fraudulent tactics to exploit my personal information including my social security number and address to 2 other companies on false premises. Please see attached contracts that were not honored as XXXX explains in their own words. As well as evidence that account was closed. Please remove me from all companies records and reimburse me monies paid into the account.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

After filing my first complaint against Wellsfargo. They sent me a letter stating that Wellsfargo completed their research of my inquiry about the charges totaling {$700.00} and based on their information available. They have concluded that the transactions were made with my card by me or someone who had my permission and Personal identification number. So therefore, they stand by their decision to decline my request for reimbursement. 
Wellsfargo provided a very vague letter with no further in depth details. So because a creative criminal/thief somehow obtained my personal information of my card and pin. Used it many times before I was aware. I am now being punished and accused by my own bank that is supposed to protect my money in my account. Is not on my side/customer at all. 
A criminal/thief used my information to use my money without my permission is FRAUD. How am I a customer, of a big bank like Wellsfargo. Supposed to stop anyone doing illegal transactions to my account? My only resource is putting the trust into Wellsfargo. They have failed me as a customer. Once again, I did NOT making any of those transactions. I did NOT give anyone my card & pin information. My own wife & kids do NOT know my pin or have my card. 
Please help me retrieve my money back. Im a victim of fraud.