davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (AL)

On XX/XX/2023 I went in XXXX and purchased around XXXX worth of merchandise. As I was checking out a preapproved prompt came across the screen. I agree to it and it was for {$400.00}. I was told to call for an increase and so I did. I was told no and to wait for my reason y in the mail. Their reason why is Comenity Bank wants to see consistent payments which discrimination. Adverse action against a consumer is against law according to the Equal Credit Opportunity Act. Regardless of the reason for that low credit limit, I have the right to credit. Withholding my access to my security is security fraud.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

I applied for a chase united credit card as the promotional offer was suppose to included. XXXX XXXX points once I hit a limit of XXXX spent. I hit the limit and they told me that the offer doesn't exist with my account. How would I know about the offer and this is the reason why I signed up for the card in the first place.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KP ASSET CONSULTING LLC (MO)

I and my family recently recieved threatening calls from " location specialists '' about a potential lawsuit and I needed to call number and they were coming to see me. I am the apparent account holder but they threatened my family with their own information as well.They threatened my family members with the lawsuit and said thier OWN SS # is tied to MY case and it will affect them. My family contacted then only for KP Assets to tell them they hired someone to look for me. I haven't changed address or numbers. I also do not recall receiving any type of calls from KP assets. When I called I got no response to the voicemail I left other than them threatening me again when I didn't pick up the phone. I didn't pick up the phone because my phone has marked the number as " Scam Likely ''. When I called them again they hung up on me or left me hold for long periods of time. When I was able to talk to someone they wouldn't answer any questions and kept asking me to verify my social. I asked for another way and they said no have my lawyer contact them. I asked for their number and other information about the company but they told me they couldn't answer or just hung up. As I said before I don't recall receiving any type of contact from KP assets. No emails, no calls with voicemail or letters. My address and numbers haven't changed.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (GA)

As per privacy laws for me the comsumer I asked to opt out of sharing my information to a 3rd party which includes XXXX, XXXX, XXXX and other credit reporting agencies. I sent my request to Affirm on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and Affirm is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of 1974. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.
Consumer complaint received 2024-05-16
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)

I am writing to file a formal complaint against XXXX for their failure to initiate a proper dispute process in response to my request to correct inaccurate information on my credit report. Despite repeated attempts to rectify this issue directly with XXXX, I have encountered delays and evasive responses, resulting in ongoing inaccuracies on my credit report. On XX/XX/XXXX, I submitted a dispute to XXXX regarding XXXX XXXX  Account number XXXX and XXXX  XXXX XXXX Account number XXXX. XXXX claims to have initiated a dispute process in XX/XX/XXXX, yet the status of the account has not been updated since XX/XX/XXXX. This lack of update indicates that XXXX has failed to effectively investigate and address the inaccuracies on my credit report. XXXX failure to properly initiate and follow through with the dispute process not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also undermines the accuracy and integrity of the credit reporting system. Specifically, Experians actions contravene the following provisions of the FCRA : Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to conduct a reasonable investigation of disputed information upon receiving a consumer dispute. XXXX failure to update the status of the disputed account since XX/XX/XXXX suggests inadequate investigation and resolution of the dispute, in violation of this provision. Section 611 ( a ) ( 5 ) ( A ) : This section mandates that if the information disputed by a consumer can not be verified, the consumer reporting agency must promptly delete such information. XXXX failure to update the status of the disputed account despite ongoing dispute and updates to the account since XX/XX/XXXX indicates that the accuracy of the information remains questionable, warranting its deletion from my credit report. Furthermore, Experians repeated failure to address my concerns and provide adequate resolution constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( CFPA ). Therefore, I am demanding the following actions : The immediate deletion of the inaccurate and unverified account from my credit report. Confirmation from XXXX that the inaccurate information has been removed or corrected. Assurance from XXXX that they will implement measures to prevent similar errors and mishandling of disputes in the future. I am also requesting that the Consumer Financial Protection Bureau intervene in this matter and ensure that XXXX complies with the FCRA and CFPA. Enclosed are copies of relevant documents, including proof of my dispute submissions and correspondence with XXXX, for your review. Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. Sincerely
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I opted out of recording credit and loan offers with TransUnion back in XXXX of 2023. TransUnion has sent me many many many offers telling me that I should apply to these offers. Ive been denied credit time after time. Just recently in XXXX of XXXX I was denied {$5000.00} loan with XXXX XXXX. The company sent me a denial letter, stating they pulled my report from TransUnion. 

Ive attached screenshots of some of the emails TransUnion has sent me. There are many many more. 

Ive attached the first page of my credit report mailed to me from TransUnion XXXX stating that I am opted out of offers. 

And lastly Ive attached my denial letter from my bank.
Consumer complaint received 2024-03-05
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. (GA)

I recently received a copy of my credit reports, and I noticed several inaccurate accounts and discrepancies that are showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are allegedly listed as being DELINQUENT and/or NEGATIVE, and they are negatively affecting my credit file. I have submitted several complaints to the FTC and CFPB regarding these matters. I am also a victim of identity theft and I have submitted all necessary documentation to support this issue with each bureau. 
I am not liable for these accounts. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show payment and active dates that are inaccurate for ALL bureaus. This information is inaccurate and has not been verified with any documentation to support its status. I have not been notified and it has been BEYOND 30 days for these inaccuracies to be resolved. THESE ACCOUNTS MUST BE DELETED! 
The bureaus are in clear violation of the law. 
First, 15 U.S.C. 1681A states that I have a right to privacy.

Second, 15 U.S.C. 1681B states that a consumer reporting agency can NOT furnish an account without MY written instructions. 
Third, this is a violation of 15 U.S.C. 1681i ( 5 ) - Removal of Inaccurate/Invalidated credit information. ALL LISTED ACCOUNTS ARE REFLECTING INACCURATE AND INVALIDATED INFORMATION! 
ITEMS HAVE BEEN DELETED AND READDED TO MY CREDIT FILE, AND THIS IS ILLEGAL! YOU CAN NOT DELETE AN ITEM AND ADD IT BACK ONCE IT IS DELETED FROM A CREDIT REPORT! 
YOU ARE ALSO VIOLATING FCRA SECTION 609 ( A ) ( 1 ) AND SECTION 623 ( A ) ( 5 ) - YOU HAVE NOT PROVIDED ACCURATE DATES OF DELINQUENCY ON THE CHARGE OFF/COLLECTIONS AND THE YOU HAVE ILLEGALLY REAGED THESE ACCOUNTS. ILLEGAL REAGING IS A VIOLATION AND IS ILLEGAL UNDER THE FCRA
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VI)

To whom it may concern ; Over the past three months, I have carefully monitored the activities of three credit reporting agencies, i.e., Experian, XXXX, and XXXX. Much to my surprise, Experian stood out with a significantly low credit report while to other reporting bureaus was pretty much consistent with each other. Upon contacting Experian and registering online, they provided some misleading information which appeared to be a mechanism designed to gouge consumers. 

For example, Experian provided a credit report at the XXXX while the other two reporting agencies had XXXX XXXX and XXXX XXXX respectively, which translates to a difference of 58 points. Experian then provides a membership that includes compelling consumers to explore boosting their credit scores. Interestingly, my credit to income ratio does not appear to correct. On more than two occasions, this was pointed out to them, yet they continue to ignore specifics. 

Us consumers are being held hostage by these types of predatory credit bureaus that develop these platforms to extort money from the consumers. The questions that need to be asked ; how often do credit bureaus face any form of audits? Precisely who monitor activities to ensure consumers are protected? If I pay for my membership with Experian, what government agencies scrutinize the bureaus to ensure they are providing the services they claim to provide? 

I intend to send an official complaint to the United States Congress requesting the appointment of a special counsel to evaluate and audit credit bureaus. The audit can determine if indeed credit bureaus have indulged in unsavory practices. I am confident that after careful examination, it will conclude unethical practices as well as platforms designed to gouge consumers under pretenses. 

Your favorable attention to this matter will be much appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
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. (GA)

I sumbitted a complaint and after the investigation they are still reporting inccurate information on my credit report.These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening and last active dates suggest a failure to maintain accurate consumer information. FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports. Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that TransUnion and XXXX promptly delete the inaccurate information from my credit reports. I request that TransUnion and XXXX conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

They keep telling me these accounts have been verified true but they havent provided a wet signature or any contractual agreements this is defamation yo my character and is causing a lot of financial problems like trying to buy a home and I cant because of inaccuracies
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I was online goin though my consumer report as I was handling all my responsibilities and I noticed that I had some accounts that's on my report that is reporting incorrect and by the reporting agencies reporting this information it is hurting my ability to obtain credit and respectful move on from this situation 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
Consumer complaint received 2024-05-16
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. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-22
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (VI)

I received a call from Medical Data System in regards to a dept which was owed to the XXXX XXXX XXXX. However, the hospital never sent out a bill so I did not know that this bill existed until I received a call from the collection agency. I contacted the insurance company and they sent me a copy of the amount that is owed after the fact. the first copy that the insurance company sent had zero for what was owed. However, I called the insurance company and they sent me an updated copy which is {$1100.00} that is what I owed. I then called the Medical Data System to arrange how I can pay this amount in installment but they did not want me paying on the amount each month. The person at this collection Agency told me, XXXX XXXX wants to deduct it from my bank account each month. I not going to allow them access to my account I was willing to pay. They has on my credit report account I owed {$1200.00}. I told them that was not the amount that is owed. They told I have a bill from ten years on the amount they are charging. I also had a bill for {$58.00} which, I paid already and they had it added to the amount they have on my credit report. I need help with these people. They are very rude and uncooperative. Plus they sent a letter but no copies of the bill that owed. I will have to check with my bank to get the information that the {$58.00} was paid to Medical Data System. Thank you
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was online goin though my consumer report as I was handling all my responsibilities and I noticed that I had some accounts that's on my report that is reporting incorrect and by the reporting agencies reporting this information it is hurting my ability to obtain credit and respectful move on from this situation 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
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

on XX/XX/2024 I contacted Midland Credit Management via certified mail in regards to a debt they are attempting to collect from me and inaccurately reporting on my credit report. In response they sent me an online credit card statement which does not validate this debt. I contacted them again via certified mail and in response they sent me back the exact same credit card statement.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

This issue is regarding my escrow account and mortgage amount. My city, property taxes, and home insurance did not increase for the year, XXXX. But Carrington ran the amortization using a projected increase and therefore, increased my mortgage using that inaccurate projection. However, I tried to prevent the increased payment by paying {$1500.00} directly into my escrow account on XX/XX/XXXX. I then asked for a new amortization. The company did so and sent me a check in the amount of {$1000.00} on XX/XX/XXXX, but still they increased my mortgage payments. My starting mortgage payment in XX/XX/XXXX was {$680.00} which it has been since Carrington took over my loan. My payment increased in XX/XX/XXXX to {$780.00}, then it decreased in XXXX to {$740.00}. And even though my payment decreased after the inaccurate increase, I feel that {$740.00} is also inaccurate. How can there be an Escrow shortage, the reason given for the increase, when I received a check in the amount of {$1000.00}? I would like this issue investigated to determine if my mortgage payment amount is accurate.