davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

Looking over my XXXX consumer profile, I identified an account that I have not consented to a credit transaction. The company obtained my private information with out my consent and opened an account without my permission. I have no reference of this account and have never received any correspondence related to this company.
Consumer complaint received 2024-03-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

Your company XXXX never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature. 

These alleged debt accounts are being reported on my credit report under the account number XXXX
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NY)

Hello, Im filing a complaint against credit karma due to lack of information and mishandling client money. I have been locked out of my bank account for 3 days now with not 1 straight answer as to why. I have called everyday several times and all associates are following a company script saying just wait to be contacted. As an online bank how are you not reaching out after 3 days of blocking someones access to their funds. Furthermore, as a company if you dont even know the reason for the freeze how is the account not being unlocked. No request for info, identity, security questionsnothing. I stated several times that I have a XXXX XXXX old child and need access to my money, not one associate has helped.
Consumer complaint received 2023-11-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
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. (IL)

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 2023-11-22
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. (GA)

I have sent several dispute to them to delete this inaccurate account from my credit report for violations 15 US 1681 ( a ) Also this account was charged off on XX/XX/23 still showing late payments since then also last payment is incorrect reporting. I want this account removed and no longer reported
Consumer complaint received 2024-03-23
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. (PA)

XXXX XXXX also being reported at same time as the above mentioned XXXX XXXX XXXX XXXX Disputed incorrect information being reported to all 3 Credit Bureaus after I was notified of a XXXX XXXX XXXX CA address was reported on account. I previously disputed this account as fraudulent but response from company stated INVESTIGATION RESULTS- VERIFIED AS ACCURATE. I also submitted a fraudulent report with Consumer Finance at that time. ** Please note in the screenshots of the 3 reported fraudulent addresses reported and the 2 reported fraudulent Social Security Numbers that are not mine.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (VA)

I bought a car from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX formally located at XXXX XXXX XXXX, XXXX XXXX XXXX is no longer in business as of XX/XX/2023. 
I reported with west lake financial they said they will try to get the title it has been 8 months to almos 9 months and they dont give me no answer the car have expired tags I cant drive it like that, I went to the XXXX and they said that is like the car doesnt exist, I call west lake they dont give an answer and they even hang up on me I paid {$870.00} every month plus {$200.00} for insurance for the car to be just park, I cant even refinance the loan with another bank because there is no title, I dont know what to do because west lake just said that I have to make the payments and I return it it will ruin my credit. Please help me, I even taking XXXX XXXX XXXX XXXX because I feel like there is no help in my case.
Consumer complaint received 2023-06-15
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: ENCORE CAPITAL GROUP INC. (PA)

In accordance with the fair credit Reporting act XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose. 
XXXX
Consumer complaint received 2024-03-23
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. (MI)

I have requested XXXX XXXX XXXX  to produce and send me. All original contract documentations with my signed signature pertaining to alleged delinquency 30 day past due debt for XXXXXXXX XXXX XXXXXXXX. That is being reported as a past due delinquency on my Experian credit profile. I sent a certified letter on XX/XX/XXXX requesting the original contract along with payment history documentations. It's been well over 30 plus days and XXXX XXXX XXXX  has yet to produce or mail the original contract documentations or the payment history pertaining to alleged 30 day past due delinquency debt that is being reported on my Experian credit report. ( See Attached certified letter mail date and receipt )
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I HAVE CONTACTED CAPITAL TIME AND TIME AGAIN TRYING TO RESOLVE THE MATTER THERE GIVING ME THE RUN AROUND AND CAN NOT PROVIDE ANY OF THE INFORMATION IM ASKING FOR WITH THAT BEING SAID I KNOW FOR A FACT THIS IS INACCURATE REPORTING ON MY CONSUMER REPORT WHICH IS CAUSING DEFAMANATION TO MY NAME.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

National Credit System is committing aggravated identity theft. I have not done business with this company and there is no contract or promissory note that legally binds me to pay any debts to National Credit System..

I did not authorize or consent for National Credit System to have any personal or financial account information regarding XXXX XXXX. I REFUSE TO PAY THIS ALLEGED DEBT. This is my nonpublic personal information that they are not authorized by me to have access to. This debt is disputed by me. 

They are attempting to extort me for payment which is a crime under title 18 of the United States Code. I request National Credit System Provide me with : - Proof of the existence of the alleged debt and outstanding balance - Proof of a contract verifying National Credit System can legally collect - Proof that National Credit System is the current holder of the instrument which created the debt with my original blue ink signature - The Aggravated Value of Purchase that shows how much National Credit Systems paid for this debt There is no Privity Of Contract under the doctrine of Privity of contract. National Credit System is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ).

I want them to cease and desist all communication and all attempts to collect payment from me effective immediately upon receipt of this complaint.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (TX)

I am reaching out to discover customer service and their XXXX team to setup XXXX with discover and I get the message that my account is not eligible due to it has not been open for 90 days but it has been open for over 2-3 years. My account has been open since XXXX. This is the message I get from discover bank : We understand that you're eager to enroll with XXXX, but your account isn't eligible right now. Either your account hasn't been open for 90 days or it doesn't satisfy additional eligibility requirements. 

Some requirements are kept confidential to help us maintain account security. In the meantime, please take advantage of our other services for sending and receiving money. 

Discover refuses to tell me why they can not activate XXXX nor wishes to reset my XXXX profile. 

I have reached out to XXXX already via a complaint from the CFPB and they said that it is an issue with the partnering bank which would be discover bank. I current have no problem utilizing my XXXX with other banks such as XXXX XXXXXXXX XXXX XXXX There is nothing wrong with my number XXXX XXXX XXXX which has never been used with discover bank for their checking for XXXX. I would like what ever block they have to be removed so I can use my discover bank checking account and tell me why I cant use XXXX with discover bank.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NC)

I am a XXXX XXXX. I had a XXXX XXXX scheduled for late XX/XX/year>. My XXXX  suggested I apply to CareCredit. I applied for CareCredit to get a promotional one-time offer of a no interest loan so that I could pay my one-time XXXX charge. 

Instead, CareCredit opened a high interest Mastercard credit card for me without my permission or knowledge. I called CareCredit on XX/XX/year> to complain about this and ask for an explanation. I found it was nearly impossible to reach a real person because of their automated system. When I finally reached a real person, our phone call was disconnected twice. I am skeptical that these disconnections were accidental. After I called back a third time, I finally got a management person. This manager admitted that CareCredit 'automatically upgrades ' applicants to a MasterCard rewards card for those who have good credit. He said that is what happened in my case. 

I told the manager that I had not applied for a MasterCard, nor did I want one. I also told him I found this to be an extremely deceptive business practice and asked him to immediately cancel this new card. He tried repeatedly to get me to agree to keep the card but I refused. He eventually agreed to cancel this new card but now my credit rating will take a hit for both the hard inquiry when I applied for the card, and now another hit because I closed the card. I will never use this company again for anything.
Consumer complaint received 2021-01-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

I opened a credit card with Tdbank and when waiting for the card to arrive it never did. I contacted Tdbank and they reissued a card. In XXXX of XXXX  while at the hospital in New York I received a fruad alert transaction in Florida. I immediately checked my credit card to find that there was a few transactions in Florida that were not made by me. I contacted td to let them know that fraud had occurred. Went through all the prompts with their customer service rep. Who advised me that someone from the fraud department will get in contact with me to ask me for proof or anything I can provide to state my case. No one contacted me and right away they said the transactions were not fraudulent due to it being made with my card even though td had sent out 2 cards that were exactly the same and I only received one. 
I filed a second complaint notifying them that they had sent out 2 cards, they also put in charges that I did do this time around and I told them that the card numbers never changed on the account as I checked the account to asked if it was changed after I notified them that I had never received the card. I went down to the bank to send them copies of the hospital information since no one contacted me for more info and the fact that I had used the card that same weekend at the hospital in New York while its being used in Florida at the same weekend. I have not received anything since. I have called back their hotline saying I need it escalated with no more updates or mail or anything sent back. 

When asked to send me info on the second no fraud only received 4 copies of the first fraud case I put in not the second or the escalation
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

MOHELA is sending me a bill for {$240.00} when my loan was approved for the SAVE PLAN in XX/XX/2023. 
I have requested multiple times for MOHELA to fix this. I continue to get a verbal response that a request was submitted to resolve the issue-91 days to resolve as I was told. 
However, Im getting bill notifications and delinquent status on my MOHELA account. 
I have requested for MOHELA not to report this to the credit bureaus due to 91 days to remove an issue will lead to Credit Reporting. 

Please see attached SAVE Approval letter and MOHELA Billing statement.
Consumer complaint received 2023-11-10
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX XXXX XXXX {$50.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX XXXX {$880.00}, Opened XXXX XXXX XXXX XXXX XXXX {$4000.00}, Opened XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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. (GA)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX XXXX  Owed : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (TX)

I noticed a collections on my account for {$500.00}. Information listed is for XXXX XXXX XXXX account XXXX. This is not my debt and this violates my rights to have this random collection account on my profile. I dont have any debts with this company and have never done business with them. Please delete.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Inquires on my account that I am not familiar with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (OR)

I am being illegally charged a debt from an XXXX XXXX XXXX XXXX 
By Texas law I do not owe anything to the property management company after my move out date. 
Texas Property Code Sec. 92.0161 states ( g ) A tenant who terminates a lease under Subsection ( b ) is released from all liability for any delinquent, unpaid rent owed to the landlord by the tenant on the effective date of the lease termination if the lease does not contain language substantially equivalent to the following : " Tenants may have special statutory rights to terminate the lease early in certain situations involving certain XXXX offenses or stalking. '' I terminated my lease due to XXXX assault in my XXXX XXXX XXXX released me from my lease and after move out they are attempting to charge me {$1000.00} for unknown charges. 

Now IQ Data International is reporting to all XXXX credit bureaus that I owe {$1.00} more each month which is against fair credit reporting laws.
Consumer complaint received 2024-07-16
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: Tower Loan of Mississippi, Inc. (AL)

There are several accounts reporting on my credit report, that are a result of identity theft. I have filed a complaint with the Federal Trade Commission on or around XX/XX/2024. I have also mailed out dispute letters regarding the matter in early XXXX. I have not obtained the proper information verifying that these are my accounts, indeed. Since my information was impacted by the XXXX data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes.
Consumer complaint received 2024-05-04
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.