davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (NJ)

The company, U.S. Bank, has a terribly outdated website which makes it both difficult and deceptive when attempting to pay greater than the required minimum amount. Setting up an autopay series wipes all pre-existing information ( such as funding accounts ) which creates an artificial challenge. Furthermore, the navigation of auto-payments is clunky and inaccurate, adding to the difficult. Lastly, the webpage 's own instructions on " viewing and managing recurring payments '' is inaccurate when following their instructions. I find the website to be intentionally deceitful in an effort to stop the users from paying beyond minimum payments, thus limiting my ability to pay down additional principal.
Consumer complaint received 2024-04-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : 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.
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX, US DEPT OF ED # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ).

I waited 30 days and recieved my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, Experian and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three reports. 

Which is a violation. This is causing me financial injury and impacting me from buying a house.
Consumer complaint received 2023-06-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

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 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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/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  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 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Under 15 USC-1681b, Request for Blocking Under 15 USC-1681c-2 and XXXX Account Name : ( XXXX XXXX ) Account Number : ( XXXX ) Date of Reporting : XXXXXX/XX/XXXX Description of Inaccuracy : Under XXXX XXXX XXXX, consumer reporting agencies must ensure XXXX the information they report is used for permissible purposes only. I am disputing the accuracy of this information as it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b. 

As per FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written and unwritten, verbal and nonverbal per 15 USC 6802.

Additionally, I suspect that this inaccurate information maybe a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwriten verbal and non-verbal per 15 USC 6802. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (MI)

Comenity capital bank calls me constantly all day every single day. I had asked if I could move my payment date 4 months ago, I have never been late. I had found my best friend XXXX XXXX XXXX XXXX and had to take some time off work because I kept seeing her XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They said no. I have atleast 20-30 numbers blocked because the calls go from early morning to late at night.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 : XXXXXXXX XXXX XXXXXXXX XXXX : Date opened : XX/XX/2023 Account Name : XXXX, XXXX. : Date Opened : XX/XX/2023 - 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 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 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX Capital one and XXXX XXXX XXXX XXXX were contacted by mail informing them of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc. (PA)

XX/XX/19 TO WHOM IT MAY CONCERN : RE : XXXX XXXX XXXX, XXXX XXXX XXXX, Phone : XXXX/ XXXX XXXX, XXXX XXXX XXXX , XXXX , PA . Phone : XXXX I am writing this letter to seek help in a matter involving XXXX XXXX XXXX. I received a letter in the mail around XX/XX/XXXX, stating that I owed {$70.00} for services rendered through XXXX XXXX in XXXX, Pa. 
I should not have received this notice nor bill because I have co-insurance which pays all my out-patient co-pay. I had used XXXX XXXX XXXX several times in the past and not received a bill. This time someone must have made a mistake in not billing the co-insurance under my secondary insurance. 
In contacting XXXX XXXX XXXX, I told them that and the representative was not compassionate to real facts. The bill was originally {$30.00}, with the collection fees it remains to be {$70.00}. 
I then requested to speak to a supervisor concerning the matter, I was then, transferred to a supervisor name Ms./Mrs. XXXX, she was least concerned with the facts and so very unprofessional. Though I had explained the situation to her. She made no sense in being a professional, so I told her I would handle the matter and call and talk to patient first. 
I spoke to a rep at patient first and she told me that they did not have my co-insurance at that time of the billing. I ask why not it was on record all the other times that I used their services for emergency care. She then, asked for my co-insurance and told me that she would decrease the bill. Since then Ive called Ms./Mrs. XXXX leaving several messages on her voice mail and she would call one time and one time only and if I am at work, she I tried to call her on my break she would not answer. 
I rather not deal with XXXX XXXX XXXX because of the unprofessionalism on their part. So, I am writing to get help. XXXX XXXX XXXX are threatening to put this {$70.00} bill on my credit file. 
Truly, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . # XXXX XXXX, Pa XXXX
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

My debit card was fraudulently used by someone I do not know at an online banking service called XXXX. The criminal sent and stole {$270.00} from my checking account to this service. Chase bank told me they would investigate this and I figured this is a pretty clear case of a hacker stealing my debit card information and stealing my money. Chase has since proceeded to tell me that their conclusion is that this was not fraud and that they would not refund the stolen money. I find this to be pretty ridiculous.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (TX)

I am a resident of XXXX, Texas. I was affected by Hurricane Beryl, which was declared a Federal Natural Disaster. I called BHG regarding any deferment plans they have in place when customers are affected by federally declared natural disasters. I was informed they have nothing in place, and to maybe contact them at the end of the month. I have never been late with any payments. It is unreasonable that a company would have no programs in place to help customers in there time of need due to a federally declared disaster. The city of XXXX was paralyzed from nearly all commercial activity. Power and internet have been out for nearly 2/3rds of the city at its peak. There was zero empathy and foresight for any planning to provide temporary assistance to their customers. Customers should be aware that while BHG will provide loans do not expect any type of assistance in a time of acute financial need due to a natural disaster that is out of your control. even if you have never missed a payment. BHG=Buyer Beware.
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

Business refuses or unable to provide the necessary documents per FDCPA to continue reporting negatively to my consumer credit profile. Requesting full validation.

1. My full and complete personal information including SSN, DOB, etc to help identify me as the person you are trying to collect from 2. Agreement that bears the signature of the alleged debtor wherein he agrees to paid the original debtor. 

3. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money money that you claim I owe.

4. Proof of identification ( i.e., drivers license, state identification card, or other government issued identification ) that was presented to you at the time of incurring this alleged debt. 

5. Letter of sale or agreement from the original creditor to your company ( Agreement with your client that grants you the authority to collect on this debt ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to creditor, and documents conferring authority to collect on the debt. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

On my XXXX credit report, the summary for this account explicitly states Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. The creditor states that the credit limit is $ XXXX ( minus XXXX XXXX XXXX XXXX XXXX ), the account is closed and the balance on the account is {$730.00}. The credit limit reported is in error. When using the stated credit limit of $ XXXX to calculate the debt-to-credit ratio for this account and when the product of that calculation is incorporated into the calculation of a subsequent credit score, the credit score will simply be lower than what it would and should have been even if the actual credit limit was XXXX. It is unknown whether this is a negligent error made by the creditor, or whether the creditor reported this by design. Yet, my credit score has been adversely impacted due to erroneous information reported by the creditor.
Consumer complaint received 2023-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a real person, a XXXX Citizen with Consumer Protection and Privacy rights under FCRA! 

XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX I was never late of on the paid off accounts listed above. Please show me documentation showing I was ever late. Prove your inaccurate reporting on my credit report. I should receive contact details for the person you used to falsely verify this information. Using XXXX or any other information system to verify an account has been ruled as not valid because they are consistently inaccurate and are not sufficient to verify credit report data by the courts, so please stop violating federal law by NOT performing a proper investigation. If you are not able to provide documented details for the method and contact details for the person you used to validate this information, you are required to delete these inaccurate late payments immediately. 

Also note that neither XXXX XXXX nor XXXX XXXX XXXX ever notified me that there was ever an issue with payment within 21 days of the payment as required by law. Autopay was setup on their system. They are responsible for processing the payments with a merchant payment processor that is reliable. The consumer can not be punished for failure of the company/creditors payment system or inaccuracies in their records. These accounts have been paid in full and closed for months. Yet you all still keep reporting the inaccuracies. I have never made a late payment. 

The law in case you don't want to search for it : https : XXXX XXXX XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX called the collection company about the Amount of debt is {$180.00} I was left waiting for a long time then they hung up on me. 
I didn't know I owed anything I had no call or email or mail from XXXX The bill supposedly owed us from XXXX last year more than 4 months ago I don't know how this bill happened. 
I sm having to pay because it is too difficult too time consuming and hard to communicate with both companies XXXX XXXX XXXX  and collections TSI. 
I believe this problematic stalling on communication really be is a tactic to leave you with no choice but to pay instead of being able to talk to someone and explain it is not fair.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/24 I made a XX/XX/XXXX complaint against XXXX XXXX TransUnion. Not only did they ignore giving me information they didnt comply with the XX/XX/XXXX or FCRA XXXX I have so much proof that I am willing to take further action. They didnt even respond after XX/XX/XXXX told them they recommend them remove this account or they will leave a negative remark on the XX/XX/XXXXaccount. This is what I stated! 

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from XXXX that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe XX/XX/XXXX standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting stands.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

LexisNexxs failed to provide me a copy the CLUE report they created on me. 
I demanded a copy of the information maintain in their file on me, and LexisNexis stated it will provide the information in two weeks, Two weeks passed and LexisNexes did not provide a copy of my CLUE report The insirance agent provided that the report received from LexisNexis indicated accidents which is my fault and that is a FALSE statement in all material acpecs. 
THUS ; I requested a copy of my report ad LexixNesxis refused to provide my a copy, they stated " more time is needed to provide me a copy '' which is a false statement in violation of the Creitid Reporting act.

LexisNexis is falsely reporting and is in violation of the Credit Reporting Act