davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VT)

After opening the account at my XXXX XXXX  office, I never received the information needed to open an online account to make electronic payments. I called customer service and they direct me to a part of my bill that does not exist. This means I can only make payments by either mailing in ( which of course I would never have opened the account in the first place if that was going to be the case ) or by having their customer service schedule up to 3 months of payments at a time through the phone. Each time I do this, the next bill pops up with a late payment. So I end up paying tons of late fees in 2023 for a company whose technology is so bad that I couldn't make the electronic payments that I make for every other account I have. 

Finally, late in 2023 I get a bill with the actual account number on it which I use to register for the electronic portal. However at this time my dentist tells me my account is overpaid by {$600.00} ( great! ). So I even elect to do a cosmetic appointment out of pocket since I don't owe anymore money ( great! ). Well it turns out Comenity Capital Bank took that money back a few weeks later. I called customer service about this and they could not explain what happened and said I should file a ticket. So I go to file a ticket and suprise their system isn't working. At this point I am so tired of the company that I am not willing to pay them anyone until they can explain what is going on. However nobody could and they end up putting a 30 day late notice on my credit account. Turns out I am locked out of my account now so I end up making payment once again through the customer service and scheduling the next 3 months. Additionally, I write their support and ask to fix this credit reporting issue since it is their fault their customer service can not explain what is going on with my account. They decline. 

I am ready to close the account so I login and go to pay the balance in full, only it will not let me because I already have 2 pre-scheduled payments. I try to cancel them as per the directions in their chat bot but of course again, the system is not working and there is no way to cancel the payments. 

So after the worst experience I have ever had with a financial institution over a year and a hfl, now I can not even pay the account off and close it, because their technology is so bad.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NY)

This account is being fraudulently and inaccurately to my credit report. Identity Fraud is a Federal Crime and punishable up to {$5000.00} or prison time or both. FCRA 15 1681c-2 block of information. This is not in error or on the basis of a material misrepresentation of fact. Significance of block, the presence of such information is not evidence of weather the consumer me knew or should have known that I the consumer obtained possession of any goods, service, or money as a result of the block.
Consumer complaint received 2024-06-21
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. (CA)

I demand that this deficient information be deleted immediately! This information was never verified to be accurate, complete, timely, or validated It was never proven to be compliant with reporting standards. Also attached will be the original letter sent out on XX/XX/year>24 that was never responded. 

XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( 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 2024-06-13
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. (CA)

" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I do not have any outstanding balance with Santander Bank. Furthermore, I have not had any financial dealings or obligations with your institution that warrant these late payment reports. Despite this, my credit report erroneously shows late payment entries with a XXXX balance, which is negatively impacting my credit score and financial standing.
Consumer complaint received 2024-05-29
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. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I paid {$38.00} for prints, postage and envelopes to send dispute letters to XXXX, Equifax and XXXX on or around XX/XX/year>. I was told my letters were discarded and that I had to submit letters online for disputes or stay on the phone and read disputes one by one.
Consumer complaint received 2023-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glass Mountain Capital, LLC (IL)

A company called Glass Mountin Capital is repeatedly sending texts stating : " You are receiving a message from Glass Mountain Capitl LLC. You can reach us at XXXX. Please click https : //glassmountaincapital.com/pay-my-bill.html for more information. Text STOP to opt out of future messages '' I am not aware of any debt I owe from past medical bills. I called the number to see what it was. They gave me the name of " XXXX XXXX  '' for a bill from XXXX. It was in the amount of {$57.00}. When I asked for a specific date of service or location for this company, they told me I need to find that myself. Confused ( again, I have no outstanding medical bills, especially from XXXX ), I tried finding the company " XXXX XXXX  '' out of XXXX and called the number. They had a pre-recorded message stating that they are NOT Radiology Consutants and they are not collecting any debts. It also stated that XXXX XXXX  as it was in XXXX is out of business. I did some research on this and it turns out that there is a shell company that may have gotten a hold of the old records for XXXX XXXX and is trying to extort cosumers for debts not owed. 

Please help! I have perfect credit! I would not let a small amount of {$57.00} go into collection. I know if I actually had a debt, it was paid back in XXXX. And I guess the bigger question is if a company has gone out of business, it certainly wouldn't make sense that 3 years later ( I started receiving these rogue communications back in XXXX via text ) they are trying to collect debt. I have never received a statement in the mail for this, only texts. 

Something is wrong here... .please help!
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

In or around XX/XX/XXXX I was convinced to sign up for XXXX. Back in XXXX was when the " XXXX XXXX '' were the new " Craze ''. I can not fully remember the name of the college, however it was a no name one that I signed up for. I went through he whole process of completing the XXXX XXXX loans for school and was approved. The government then sent a check to the school for my Classes/ Degree. I was then sent books for my classes and a class schedule. About a week or 2 after the classes started and I attended about 15 minutes of 1 class. I then realized that this was not for me. I am a visual learner. I need to be there in person, see things right there and be able to ask questions. Again in XXXX, the online learning was NOT what it is today. There was no XXXX or XXXX. There was no way to ask questions in class. I then dropped out of the program and requested that all of the funds be given back to the government, as I did not want to be responsible for loans that I did not use. In addition I sent all of the books back. Then about 7 years later, {$4700.00} worth of debt appears on my credit report. I have disputed this with XXXX XXXX, Equifax and XXXX on XXXX occasions. Also, back in XXXX following XXXX when they were offering the " XXXX XXXX XXXX '' I completed a 47 page application to forgive my loans. Due to the fact that they were NOT MINE. I NEVER attended this school and I should NOT have to pay for something I did not use. There was a point in time, where the loans seemed like they were getting smaller and going away. Yet, shortly thereafter they assessed ALL of the money back to my credit report. This debt has been held over my head for 20 years now. It has hindered my ability to get a vehicle, buy a home, even get a credit card. I have tried to take every step that I could to rid myself of this debt and it seems that no matter what I do, they never make any actual changes. The school that cashed this check should be responsible for giving the government back their money. I would understand IF I took the classes, got a degree, etc. then YES, I would expect to pay this debt. However, as I mentioned I NEVER attended any classes ( except for maybe 10 minutes ). I returned all of the books and told the school to give them back their money. I can not be held responsible for this. Maybe 15 years ago, companies could get away with shady doings of this kind. But it is XXXX and there is no way that you can legally make a person responsible for something they did not do.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TX)

Self Lender No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). 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. ( FCRA, 15 U.S.C. 1681 ) .Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C . 1681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Consumer complaint received 2024-05-30
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. (AL)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.
Consumer complaint received 2023-12-28
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: Resurgent Capital Services L.P. (AL)

Upon reviewing my credit report, I discovered several items that appear to be unverifiable, invalidated, inaccurate, or questionable. These items were not thoroughly verified or reported correctly by the respective agencies involved. As a result, I am deeply concerned about the negative impact they have on my creditworthiness and financial well-being. 

These items are a direct violation of the Fair Credit Reporting Act, specifically under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ). These provisions mandate 100 % accuracy in the reporting of information on my credit report. It is disheartening to see that these requirements have not been met, leaving me with an unjustified burden. 

The Credit Reporting Agencies claim that these accounts were properly investigated and came back as verified. However, I am puzzled as to how this can be true when several inaccuracies are evident in my report. It raises concerns about the thoroughness and effectiveness of their investigation procedures. 

As a conscientious consumer, I kindly request detailed information regarding the steps your agency took to ensure that these items were reported with 100 % accuracy, as required under 15 U.S.C 1681i ( 7 ) Method of Verification - Description of reinvestigation procedure. Transparency in this matter is crucial for the fair resolution of my complaint.
Consumer complaint received 2024-07-09
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. (NY)

please delete the following accounts and inquires this is all incorrect I been disputing this accounts since last month but still showing on my credit report i want to delete it now. I'm so stress. 
XXXX  Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (IL)

My car was Stolen by Chase ON XX/XX/23 and I contacted them to request the vehicle to be returned back to me same day. I am the rightful owner of the car, I provided Chase with my proof of ownership original title that shows me as the only owner of my vehicle which is VIN Number XXXX MY TITLE 15 RIGHTS IS BEING VIOLATED AS A CONSUMER I SPOKE WITH SEVERAL PEOPLE FROM CHASE AND MY CAR STILL HAVENT BEEN RETURNED I DO NOT HAVE AN ACCOUNT WITH CHASE NOR DO I HAVE A AUTO LOAN, MY CAR SHOULDN'T HAVE NEVER BEEN TAKEN BY A TOW TRUCK, ANY DAMAGE CHASE WILL BE RESPONSIBLE
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My Capital One Credit card statement is showing that my monthly {$25.00} payment was returned as insufficient funds by XXXX  on XX/XX/2023. Capital One customer service told me to speak with XXXX XXXX XXXX to get information about the returned payment. I looked at my XXXX statement and there is no record of an NSF transaction on my XXXX statement during that time. I spoke with a XXXX representative and the representative searched through transactions for XX/XX/2023 but found no evidence of a NSF transaction related to a Capital One payment. Capital One is now displaying my account as past due and is doing nothing to fix the issue. I was also charged a {$25.00} late fee in this instance. This issue should be fixed by Capital One, my account should be in good standing, and the {$25.00} late fee should be refunded. XXXX has agreed to provide documentation that details lack of evidence of an NSF transaction during the time in question ( XX/XX/XXXX XXXX, 2023 ).
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you XXXX be required to compensate me for your negligence.
Consumer complaint received 2023-12-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (TX)

Medical Data Systems INC ( XXXX XXXX XXXX ) has charged me for a collection which I do not own and sold it to another debt collection agency and now have two of the same collection but different amounts and they have threatened judgment and that my credit would be damaged which is currently is being negatively affected as they keep adding random collection attempts on my account to permanently hurt my score.