davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (SC)

I got a credit card in the mail from sportsman 's Warehouse or sportsman 's credit which on the credit report says comenity capital the second I opened it up and saw what it was I did not call anybody I immediately went in my house got some scissors and cut it up into little pieces I remember perfectly and I've had a lot of losses lately and I've needed house loan vehicle loans personal loans credit card something to help me and my family out and I've got denied over a hundred times from a hundred different places and never knew really why until recently I looked at my credit report because it's not on XXXX it was on XXXX that day illegally against my will activated it without me agreeing to whatsoever and since I had a account that I never used with them they continued putting that I have paid on time etc every month except the last 6 months they put XXXX and I have never paid them XXXXXXXX XXXX because I've never used XXXXXXXX XXXX because I cut the card up in pieces which I have photos of the credit report where it says that they have been putting on there that I paid a bunch of times that standings are good but didn't pay for the past 6 months etc so that illegally put it on my credit and now for the past year I've been denied Time after Time which since I couldn't get the money I needed or the extra finances have lost my truck putting my entire family with no vehicle and now I'm riding a bicycle to pick groceries up because I can't get a loan or credit card to purchase a vehicle which took my {$20.00} an hour job because I Didn't have a vehicle to get to work which took my apartment from me putting me at XXXX XXXX XXXX living with my mom who was recently widowed my XXXX daughters and my girlfriend / babies mama and now I'm stuck here with no income for my kids I'm losing my family all because of a company filing a report after I cut up the card and did not accept their credit I did all the right things I needed at the time a credit card to buy food etc not sportsman 's memorabilia and or items and now I'm to suffer a massive blow ending a family destroying lives over nothing I did my own and even when this finally get settled and it gets put off my report I still won't have a truck or a vehicle I still won't have my family intact I still won't have my apartment did is going to go on my credit report for losing when it wasn't my fault I still won't have my good-paying job that I loved I want to press charges and open a lawsuit get reimbursed for the loss I've endured from this company for destroying a life and the lives around me for clicking activate when I never activated.
Consumer complaint received 2024-06-21
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: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

My student loan balance was forgiven through XXXX and even though I provided the letter to experian they refuse to update the debt on my credit report. XXXX has always updated my report to reflect the XXXX balance and XXXX is working on it. Please instruct Experian to UPDATE their records and reflect the XXXX balance of my student loans ASAP, as it could hinder me getting a new home for me and my daughter.
Consumer complaint received 2024-06-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

this company XXXX keeps XXXX this in my credit report from different collection agencies. I have had a government phone for XXXX years. I've NEVER used XXXX  in XXXX life. You have made them take this off my credit report XXXX times before and they wait a little while and use a different company to harass me and mark up my credit. Please make them stop doing this.
Consumer complaint received 2024-06-23
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. (TX)

XX/XX/year> To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
Account : XXXX Account # : XXXX Account : XXXX XXXX  Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX **Attached a copy of drivers XXXX and a utility XXXX XXXX
Consumer complaint received 2023-12-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Ave Student Loan Servicing, LLC (IL)

I am a co-signer with College Avenue for my daughter 's student loans. She called in XXXX and again in XX/XX/2023 to make arrangements due to payment error. She resolved issue and was guaranteed this error would not go on her credit report. On XX/XX/2023 this showed up on hers and mine. She has called 4 times within XXXX hours to be told it is escalated but she is passed off to another person. Also, as a co-signer I was never notified at XXXX of any issue regarding account.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NV)

XX/XX/year> I received a letter from bank. Bank used part of name in signature of XXXX to forge a letter to customer citing an invalid credit file from staff improper use of credit report. I'm from XXXX so company used part of the beuitiful american shape of signature to perceive XXXX translated letter from artificial intelligence of a XXXX writer that has a federation XXXX name that's is not of star spangled banner with forbidden accents in reading name left from right is improperly using customer name of consumer report without full spelling to produce english languege without a clear creole person of XXXX ; than they keep applying unauthorized accents to name ( customers inner voice ) indicated with abbreviation applied for service of open credit account. Bank is stealing customers arms of the republic to portray a member of the workforce and deny customer account services from applying accents to customer name out of signature of XXXX designate English by social security number. Bank staff did not use correct association XXXX XXXX XXXX in wiring due from artificial intelligence translator unable to recognize birth-given name and company provided response from translator without considering customer 's open credit account of grandfather XXXX  I gave company website social security number and staff is not a competent english person from XXXX and is a XXXXXXXX XXXX  person acting in hate to clear creole people of the republic for their XXXXXXXX XXXX XXXX XXXX Using citizens own arms against citizen than acting as if my inner voice doesnt have a given name.The XXXX XXXX people of XXXX keep denying grandfather XXXX account of US. They keep trying to rename my inner voice that's indivisible of the US flag from grandfather XXXX XXXX that's called open credit account. I have not received account services since providing social security number to web page that Is just a piece of paper of all of my stuff. In the united states a name is a man 's innervoice. You don't know me. I am from the dark ages. I keep getting challenged by XXXX accents of XXXX that's not registered with creole of XXXX XXXX XXXX I have a rich and powerful name of grandfather XXXX & staff refuses to use credit report properly.
Consumer complaint received 2024-06-14
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I am the consumer and XXXX, XXXX, and EquiFax are the consumer reporting agencies. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.XXXX XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Consumer complaint received 2024-06-22
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. (FL)

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 information is inaccurate.
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (AZ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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. (PA)

In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2023-09-20
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. (PA)

In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2024-06-14
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)

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. 

XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$85000.00} XXXX : Account Name : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$85000.00} EQUIFAX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

3.5 years ago my wallet was stolen and XXXX credit cards were used illegally. They are ; XXXX XXXX XXXX XXXX XXXXXXXX, Barclays Bank Delaware XXXX  XXXXXXXX XXXX XXXX XXXX XXXX. The XXXX other credit bureaus have expunged those XXXX accounts. Only XXXX continues to carry those XXXX bad charges. Causing a XXXX point disparity between those XXXX credit bureaus. Id like XXXX to also remove those delinquent accounts. It is adversely affecting my FICO score and causing me great XXXX XXXX despair.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (NJ)

I redeemed my credit card reward balance for a XXXX e-gift card within the Discover App. I was issued a gift card for {$100.00} value on XXXX. I did not use the card for a while and when I used it after 5-6 months I was told that the e-gift card was invalid on the XXXX website. After back and forth with both Discover Credit Card and XXXX, nobody is honoring the gift card. XXXX says this card is invalid and I should go back to the card issuer but Discover says that they can't issue a new gift card as it is system-generated and can not be invalid. FYI - both Discover and XXXX have confirmed that all gift cards have at least 2 years of validity. 

Credit card number - XXXX Gift card order number - XXXX Email reply from XXXX - We appreciate the screenshot from Discover however it appears that they issued an invalid gift card to you. Due to Discover who issued the invalid card, they will need to replace the card. If the card was purchased through XXXX and there was an issue with the gift card, the card would be replaced through XXXX. We do apologize for any inconvenience.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

My credit reported score is completely different than what I see when I login directly to the credit agencies. I don't understand how my scores appear so differently to lenders then they do when I login into the credit reporting agencies directly. For example, my XXXX  score shows XXXX, but the Equifax Mortgage Solution received a score of XXXX from XXXX. How can that be? I have contacted the credit agencies to state that information is being distributed incorrectly but I have yet to get results of disputes. It has been more than 30 days. 

As a result of the information provided to XXXX XXXX and Equifax Mortgage Services I was denied a mortgage of which I clearly qualified for prior to the report they received.