davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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)

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.

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 2023-12-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

Experian has been causing me to be denied by reporting false information on my credit file. The first issue is they are reporting a misdemeanor that never occurred and I was never charged. In XXXXXXXX XXXX, falsifying my background They are also reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Additional they have reported that I am deceased, that my social security nunenr js probably not me as well. Causing me to be denied for services every where I go Lastly, i have asked them numerous of times to delete the fraud alert because its causing me to be denied and the phone numbers listed are outdated. After I call they lie and say they took it off and I see it again appearing. I have only found this out because this detailed report came from a third party apartment company instead of the normal consumer report that I request
Consumer complaint received 2024-04-11
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. (PR)

I already disputed these accounts and they continue to be reflected incorrectly on my credit report, I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I submitted letters to Equifax and XXXX regarding several outdated accounts XX/XX/2023 and XX/XX/2023. There are several accounts that are beyond the statue of limitation and still reporting that should be removed. The letters were sent certified mail. This is harming my credit and causing me to pay more in interest. The credit bureaus have removed the accounts and then added them further damaging my credit score. This needs to be corrected immediately.
Consumer complaint received 2023-05-03
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: Navient Solutions, LLC. (FL)

I filed a complaint against Navient to the XXXX for continuously reapplying an old closed account to my credit report for over 10 years. 

Navient sends me a new bullying email using info from my XXXX complaint. I emailed the XXXX about my concern that Navient was not using the arbitration steps required for this complaint process. 

The XXXX closed my account and listed my failure to respond as the cause. 

The XXXX only sent me XXXX emails, the first to open the account and the second to close the complaint, see the attached documents.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (HI)

Attached are a letter I wrote to Chase, and a copy of the XXXX XXXX XXXX they provided me. 
You will see that there is NO mention on the XXXX XXXX XXXX, that the credit card must remain active in order to utilize the XXXX XXXX XXXX. 
Chase should clearly state the terms of usage on the XXXX XXXX XXXX. It is the main written contract the customer pays attention to, and has from them. They can not provide one terms of service, and then another, different one ; and have the option of choosing which one they prefer to utilize.

They should be help accountable for their false advertising.
Consumer complaint received 2023-12-27
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (LA)

Agent from FCO initially called and I explained to her that I was unaware of debt owed bc I paid out my acct at moveout with a {$0.00} balance. The other party who had her own online acct was allowed to make arrangements w the property manager bc of covid ( {$1200.00} ). I was not contacted for 2 yrs by company of any balance owed on the acct. The agent repeated called and harassed me about the amt and said that she could not reach the other party. I gave her the contact information of the other party and reached out to her FOR the agent and she did return her call and made arrangements for debt owed and the agent said that I was no longer responsible and I did no longer needed to worry about the dispute that was supposedly submitted. On XX/XX/XXXX the harassment started again bc the payments defaulted ( {$610.00} ). I told her that I was not paying bc of what she told me prior and and she should contact the other party for NSF charges and payments and she continued to threaten my credit bc it was so good I didnt want to mess it up, etc, I received calls at all times at work from different numbers that started with my area code ( 504 ), unknown, and XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX ) not including unknown. She continued to call and I told her not to call me anymore that I would get my attny involved. My daughter is also listed on the acct, is XXXX old, and she not once spoke to her nor did she ask my permission to negotiate for her or make decisions for her the entire time and she reported her to the XXXX XXXX as well without even attempting to collect her debt as you can listen to all of the calls for proof of that as well.
Consumer complaint received 2023-12-27
Product: Credit reporting 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. (UT)

I have been sending dispute letters to Experian. For months, they dont send results. I call and they said dispute results are in the Experian app. However, the Experian app wont let me in! I have tried resetting my password but it keeps telling me that the phone number I have entered doesn't match the one they have on record. This is my phone number and has been my phone number for at least 20 years. I called Experian about it, and they cant figure it out nor will they mail my dispute results. If they could help me login to my Experian app, the problem would be solved.
Consumer complaint received 2023-11-07
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC (FL)

I enrolled with National Debt relief with the understanding that after six months on time payments I would qualify for a loan from a Company within the same XXXX  XXXX XXXX. Please note that National Debt Relief and XXXX XXXX are the same company but XXXX XXXX is just a separate division. From the moment I enrolled, I've asked what I needed to do in order to qualify for a loan. I was told numerous time that it happens at the six-month mark and depends on your on-time payments. I asked questions about is it based on credit and is based on accounts and on more than one occasion within the six months they told me it automatically happens and it's not based on any of these factors. On the six month mark, I was told I did not qualify and was not provided a response from National Debt as to why I didn't qualify. The only reason I entered the program is because I was led to believe after the six months I would qualify for a loan to settle my debts. I am passed the six month mark and I'm still not sure as to why I don't qualify. I've called and tried to escalate the matter or even asked for a refund of the fees and National Debt will not allow me. I feel that my concerns about misleading have not made it to the appropriate level within the Company.
Consumer complaint received 2023-11-07
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC (FL)

I enrolled with National Debt relief with the understanding that after XXXX months on time payments I would qualify for a loan from a Company within the same umbrella XXXX XXXX. Please note that National Debt Relief and XXXX XXXX  are the same company but XXXX XXXX is just a separate division. From the moment I enrolled, I've asked what I needed to do in order to qualify for a loan. I was told numerous time that it happens at the XXXX-month mark and depends on your on-time payments. I asked questions about is it based on credit and is based on accounts and on more than XXXX occasion within the XXXX months they told me it automatically happens and it's not based on any of these factors. On the XXXX month mark, I was told I did not qualify and was not provided a response from National Debt as to why I didn't qualify. The only reason I entered the program is because I was led to believe after the XXXX months I would qualify for a loan to settle my debts. I am passed the XXXX month mark and I'm still not sure as to why I don't qualify. I've called and tried to escalate the matter or even asked for a refund of the fees and XXXX XXXX will not allow me. I feel that my concerns about misleading have not made it to the appropriate level within the Company.
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late regardless of the fact that I am always on time.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Equifax is reporting a debt from XXXX XXXX XXXX. I have never had a loan with them. This is a fraudulent account on my credit report. I have filed a FTC report filing that this account is fraudulent. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violented my rights. 

15 U.S.C. 1681 section 602 A I have right to privacy. 

I never had a account with this company nor the original creditor
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Today is XX/XX/XXXX, my payment is 11 days late. Since Sunday XX/XX/XXXX ( 5 days ) Comenity Bank has called me 31 times, 22 times from their number and another 9 times from " no caller ID ''.
Consumer complaint received 2024-08-03
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 Reporting act convergent Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (PA)

After checking credit profiles connected to me, I have learned that Ally Financial company are the cause of many adverse reactions and retaliations placed upon me. I have never given Ally Financial permission to furnish personal information and inaccurate information. 

Ally Financial has no permissible purpose to furnish this account. I would never volunteer for my any personal information be placed in the public eye let alone my personal information be shared and sold for profit by affiliate sharing. This is a violation of Fair Credit Reporting Act & Fair Debt Collection Practice act. 

Violation : 12 CFR 1016.10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSON INFORMATION TO NON AFFILIATED THIRD PARTIES. 

Ally Financial this is your notice to Cease & Desist all communications regarding this matter until all record of documentation on record of books of accounting, validation, method of validation, wet signature of contract, all is provided to me. Please send everything by U.S mail. 

Alley Financial did not provide me with proper disclosure to opt-out of credit reporting as the option to opt-in. I was not giving full disclosure so any decision made I was uninformed and things was not clear. Per : VIOLATION ; 12 CFR 1016.7 FORM OF OPT OUT NOTICE TO CONSUMERS : OPT OUT METHODS. 

Please by me understanding my consumer laws and rights the creditor Ally Financial, XXXX, XXXX, & XXXX has violated the following : According to 15 USC 1681 section 602 ( a ), I have the right to privacy. Furthermore, as outlined in 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing an account without my written instructions. Additionally, as per 15 USC 1681 ( c ) ( a ) ( 5 ) sections, consumer reporting agencies are restricted from including certain adverse items of information in consumer reports, except for records of conviction of crimes dating back more than seven years. Lastly, under 15 USC 1681 ( s ) ( 2 ) ( a ) ( 1 ), it is stated that individuals are prohibited from providing inaccurate information relating to a consumer to any consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. 

I am exercising my rights under 15 U.S CODE 1692k - Civil liability that each mention violation not exceeding {$1000.00} : or in case of class action...
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have disputed a Bankrutcy listed from 2016 on my Experian Credit report for years and as recent as last month. I have requested written verification and the company 's name that experian is receiving this bankruptcy information from. Experian will not supply this information. The Public information is INACCURATE.
Consumer complaint received 2024-08-03
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 Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-01-04
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. (FL)

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 2024-04-11
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (OH)

On XX/XX/2024 I received a call, email, and text to call Discover. I called Discover after work and the representative refused to tell me the reason for the call. She had sent me a XXXX digit code to authenticate me and still refused to accept that as authentication and told me I would need to send a picture of my id. I thought that was crazy so asked to speak to a supervisor. She told me that none were available and I would have to be called back in the following days. After I hung up the phone I tried to make a purchase at XXXX XXXX and my debit card was declined. I don't understand how Discover would be blocking cards and taking calls, and yet not have a supervisor available to take calls? To make it worse when I got home and finally tried to get my account unlocked and I was forced to have my ID and picture sent to a third party company in order to have access to my funds. They said that I could have got a form notarized instead, but that is not a real solution when I count on having access to my bank account and need access to my funds.
Consumer complaint received 2024-04-19
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX I was approved for an extension on a balance of XXXX $ the representative from CitiBank approved me and informed me I had until XX/XX/XXXX to submit this payment so I agreed to payoff this balance before the deadline. On XX/XX/XXXX I call to submit my total payment and I am now notified of additional interest accrueled over XXXX and a late fee charge. Therefore although I would comply by submitting the total payment agreed in XXXX to the extension approved I would now be owing a balance of XXXX $ in interest accrueled in XXXX. Multiple Reps over different calls failed to notify me about additional interest and late fee charges when I was approved for the extension and also confirmed me a different balance on my account over a recorded line than what they instructed me yesterday. When trying to get ahold of a specialist one of the reps told me I had to submit payment first and then they would be able to transfer me. I felt like I was taken advantage and victim of misleading information since I was approved and confirmed an initial balance from differen reps over the month of XXXX and XXXX but when I called in XXXX I was not faced with the same information and I am now having to pay an additional XXXX $ on my account after submitting total payment for what was agreed in XXXX.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I received a copy of my XXXX credit report and XXXX is reporting that I defaulted on my XXXX XXXX XXXX XXXX and it has never been in default I have enclosed a letter from XXXX XXXX stating this loan has never been defaulted
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

I ordered XXXX XXXX on XX/XX/XXXXXXXX  at XXXX XXXX for delivery. I live in an apartment complex where people take things that are left outside so I left very clear delivery instructions to call me when they arrive and that I will meet them for my order. I got an email saying my order was delivered but I never got a call saying anyone arrived so I went around to look for my food and there was nothing at the doors so I quickly tried to contact the number that was given with delivery but I was getting sent to voicemail. I reached out to XXXX XXXX to resolve it and they told me they would have to escalate it to the general manager and I would hear back in a few days. They never reached back out so I contacted my bank to dispute the transaction but they say they resolved their investigation and dont see fraud. Im not really sure what to do because I spent {$110.00} to not receive any type of merchandis or compensation for it like a refund or a re delivery.
Consumer complaint received 2024-04-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (MI)

I was denied for a motorcycle loan by the bank name- Sheffield Financial XXXXdivison of XXXX XXXX  based upon my immigration status. 

I'm on XXXX XXXX  XXXX  and I need to get my visa renewed every 3 years until I receive my GreenCard which is set by USCIS. 

Sheffield Financial denied the loan application with me having XXXX credit score and zero late payment or any other issues with my financial status but just because of my immigration status! 
I have the call recorded with the bank accepting the denial reason. I can present as needed.