davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. This account continuously shows up my account past the CO date XXXX/202. Which is illegal. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXXIn accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PR)

Today, XX/XX/2022, I called Commenity Bank related to a Victorias Secret Card that has been closed, cancelled. This bank is charging a {$2.00} monthly fee that increases to more than {$30.00} of penalty. I called the bank, the person in charge called XXXX ( he did not want to forward a surname ) started babbling about the late fee for a card with XXXX transactions. He stated that the those are fees being paid late, perhaps, for XXXX XXXX I can not go on paying money for purchases not made and this people are capable of ruining my credit score. This is thievery to the highest scale.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

I had perfect credit with only on account with a 30 day late ever and I went to check my score with Experian and I think my vindictive ex-wife XXXX that I had removed from my report, reported me as deceased because I had her removed as my wife from my report. I looked into it and in order to legally inform creditors of a person being deceased they must send in a certified copy of my death certificate and since I am alive that would be impossible. I am requesting that it be immediately corrected by my creditors or I will sue under the fair credit reporting act. I understand that evil people can do these things but the safeguards of the Act must be complied with to protect consumers so they are not burdened by these measures. Since of course a creditor would not do this deliberately without an adversarial person making the illegal disclosure, I am willing to waive my claim against them as long as my credit score is returned to where it was before the false reporting of my death. 

/s/XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (KS)

I have had an ongoing dispute with my Discover credit card concerning services that were allegedly rendered on XX/XX/XXXX by a local veterinarian office. I was able to obtain electronic medical records from the office after the attorney general of Kansas subpoenaed them from the vet office. The records had a date of XX/XX/XXXX however the electronic medical records time stamp was XX/XX/XXXX, showing they were generated a month after the tests were allegedly done. I called the vet office to inquire why this was and was interrogated as to how I received these records. I informed them that the attorney general sent them to me. They then threatened legal action if I contacted their office again. I presented these records to Discover and fully believed I would receive a refund since I proved the medical records were fabricated a month after they should have been. Discover, however, keeps siding with the merchant, even though I have proven the merchant has fabricated and generated these records a month after the death of the animal. I want the money refunded immediately.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, 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)

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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or 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 2024-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/2023 through XXXX XXXX I had XXXX hard inquiries on my XXXX where they were unauthorized. I do not have any open accounts under those XXXX. The hard inquires are the following. XXXX XXXX XXXX, XXXX federal credit, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, capital one auto finance, XXXX XXXX XXXX chr, ally XXXX XXXX XXXX XXXX and XXXX. These were unauthorized and i wish to have them removed off my credit report immediately!
Consumer complaint received 2024-04-14
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: Foursight Holding LLC (GA)

I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX XXXX not aware of.
Consumer complaint received 2023-06-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (TX)

On XX/XX/2023, I received a letter from " XXXX XXXX XXXX '' accusing me of being " severely delinquent '' on an alleged loan from Cash Store and threatening to take me to federal court on check fraud charges and giving me until XX/XX/2023 to make payment otherwise I would be served with a summons to appear in court. The company also threatened to call in family members, who they cited by name in the letter to testify against me. I have never dealt with this company and the debt according them was taken out while I was working with a company that I had not worked for in more than XXXX years.
Consumer complaint received 2024-04-08
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. (SC)

I recently requested an investigation into my credit report for an account listed as XXXX XXXX XXXX acct # XXXX. I submitted my compliant through the CFPB and the company has failed to even respond with any evidence against me. According to 15 USC 1692g ( b ) states that the creditor must respond with evidence for the alleged debt they are furnishing on my report. It is against federal law for your organization to continue reporting this inaccurate information without verification. I am in the process of getting a home for my family and this account is causing extreme damage to my overall creditworthiness.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX I contacted American Express because I received by email an offer to sign up for the Business Platinum to receive XXXX points and Business Checking account to receive XXXX points ; and then an additional XXXX points for doing both. I received the XXXX and the XXXX points, but never received the additional XXXX points. 

On XX/XX/XXXX I followed up and was informed that my rewards were denied because my " offers were not linked ''. I have looked through the fine print in the email and I have satisfied all of the conditions. It seems like something went wrong on their end they didn't track the offers together, which seems very strange- the email doesn't mention having the offers linked - I applied for both on the same day - so it shouldn't be difficult for them to track the applications together
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2024-04-08
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. (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. 

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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. Can you please clear this up as quickly as possible.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Genesys National Recovery, Inc. (PR)

The debt collector called my coworkers, whom numbers was provided due to a referral documented I fill out at the gym. These numbers were referrals so they would also assist to the gym, it was not for them to collect a debt and they gave personal information to my coworkers about my debt. I told them that they were harassing my coworkers.told them not to call nor text them again.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

In accordance with the fair credit reporting act 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 that the consumer reporting agency can not furnish an account without my written instructions under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX of 2023 I made a payment to the credit card for XXXX XXXX 2023 due date. In XXXX of 2023 I went to make my payment for XX/XX/2023 n I was told I didnt make XXXX payment. I informed them that I did make the payment. They told me that I made the payment late. I informed them that I had made the payment 3 weeks in advanced n have never paid late. I was informed it was a revolving credit and that I was late. I informed them that if that was the case I would have been paying late for years. They refused to acknowledge that they are wrong. And now my payment went from {$320.00} to {$640.00} a month.
Consumer complaint received 2024-04-08
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. (TX)

I know that federally regulated reports and XXXX XXXX compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$440.00}
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a capitalone credit card. 

I have a XXXX to pay or receive money. 

Complaint : When I used XXXX where capitalone is the linked credit card, I noticed CAPITALONE charges {$10.00} for any transaction. If I send money say {$2.00} via XXXX, CAPITALONE charged a fee of {$10.00}. 

I suddenly don't have any money or credit left on my capitalone and upon checking, I was charged a fee totaling almost {$100.00} for small amounts made thru XXXX. 

I called CAPITALONE and they told me they've started charging fees. I asked if they had it on their agreement and if we were notified, they refused to answer and said {$10.00} or 3 % whichever is higher. 

I then googled, and found customers of CAPITALONE so mad they've been scammed as they say. 

Attached is the statement from CAPITALONE that I showed to them. 

Also, their advertisements says " no fees '' which I believe is false advertisement.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unifin Inc. (NY)

Unifin was trying to contact me regarding a debt. They never left me messages on my cell phone or sent me anything by mail. 

On XX/XX/2024 a representative from the company called my place of work and questioned the receptionist about my whereabouts and what my position was/is at my organization. This made myself and the receptionist very uncomfortable. 

When I called Unifin back the woman was very rude and was unwilling to work with me. She bullied me into a payment agreement that I can not afford. When I tried to work this out with her she kept saying odd things like " my clients will not be happy ''. 

After our call I reached out to them via email ( as I was told to do ) on two separate occasions, they have refused to answer my emails and work with me.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY (TX)

home that was over priced in the market than what it originally cost. We were sold a home from the seller for XXXXXXXX XXXX and the mortgage company put us in a {$90000.00} loan in XXXX for home on XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. The purchase price was not equivalent to the house valued price which was XXXX or little under at that time.The mortgage lender company charged us XXXX the seller asked for just XXXX. We want answers! The value of that home in XXXX was below the price of the mortgage that the lender stuck us with. We went with it very blinded just because we we not educated. We were originally purchased the house as a lease to own until we could find a mortgage lender to pay the seller. The seller charged us XXXX for the home wellsfargo put us in a XXXX loan with 2 mortgages! We want answers We want the house original appraisal documents that was issued during that time from the mortgage lender company the seller name was XXXX XXXX XXXX and she sold us the house for XXXX but we signed a mortgage for XXXX with wellsfargo who put us in2 mortgage for this home the mortgage rates where terrible and we were manipulated and taken advantage of through this treble mortgage.
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/year>