davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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)

This account XXXX XXXX is not mine is supposed to be deleted off my credit report from numerous disputes. It keeps appearing up and now its popped up and said the first day of the delinquency was XX/XX/2024. This is theory for the information reported on my credit report.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, 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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (LA)

This Company is The Original Creditor And Sold My Information to a third party without My written Agreement Everything am asking This Company For They are Not Giving me anything. I am asking For a copy Of the contract I Have With Them And They Never Send It And They Took Off The Late payments and put them back on my account I never made a payment at all. So I do not know where They getting this late payment from
Consumer complaint received 2024-02-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Scheer, Green & Burke L.P.A. (MI)

Good morning ; I have noticed identity theft someone with my same name used my information to a company I never herd of SCHEER , GREEN & BURKE CO. L.P.A and I am letting them know that I have identy theft and to not use my Information in my credit report. I contact the credit Berau to let them know that they can not or they are not allow to report something that is false to any credit berau without my consent I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and having negative item in there. damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putting in there. I am scare that they will keep using my information more things please need help. is fraud what this company is doing by using my private information to report someone elses debt. I never signed or did any contract I demand that they proof a signature with my name on it and stop harrassing me sending mail or calling me. I asked them please to stop because I will have to take them to court for failing to comply with federal law. I cant open a mail is not mine so please do not use my information to report anything without a wet signature of mine.
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

I previously had a complain against this company but they did not sent me what I requested. the complain number is XXXX Their answer doesn't solve my case, it seems like they didn't understand what I said, I'll explain again, the product wasn't delivered, you're charging me for a product that wasn't delivered. Please, if you have proof of delivery, send it through this conversation, if not, you can write off this debt.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

SBNASELFLNDR, placed a late payment on my credit report. According to the FCRA, specifically 15 USC 1666B There is no law that states a transaction should be reported and it violated privacy and consent laws I would like this removed from my report as per the FCRA
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

Chrysler capital is reporting inaccurate information on my credit profile they saying that I made a payment in XXXX2022 when they repossessed the vehicle in XXXX of 2022. They auction the car off but they reporting that I still owe them the full amount when my gap insurance paid the remaining balance. Which should be XXXX dollars. I would like for them to delete it off my credit report because its inaccurate and its has cause me to not obtain credit.
Consumer complaint received 2023-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AL)

I have been informed that my current loans will transfer from Great Lakes to Nelnet on XX/XX/XXXX. The problem is that they are claiming they are loan transfers which I do not have a problem with. After digging for more information online I have learned that in actuality they wont be transferring my loan. They will be closing my loan which is one of my oldest credit lines ( 12 years. ) Then Nelnet will be opening a new account in my name ( without my authorization ) with the same loan terms. How is this legal? Nelnet owns Great Lakes so why cant they just transfer the current loans as they are? I have spoken to customer service for Great Lakes on XXXX and they said there is nothing they can do. Again, this is not a loan transfer. This is the closing of one loan and opening another without my permission. This will drastically affect my credit history length and I am 100 % against allowing them to open a new loan in my name.
Consumer complaint received 2024-02-14
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America won't issue a replacement card and refuses to release my unemployment money! It's been XXXX months and Bank of America refuses to remove the block on my XXXX benefits card. I have almost $ XXXX on that card and am unable to pay bills, groceries and any necessities! I have been asking family and friends for help because of this form of abuse and have contacted the attorneys in XXXX XXXX who filed a class action lawsuit against BofA during COVID-19. My dog is XXXX ill and I can't pay for an emergency vet visit thanks to Bank of America placing a hold on my card! This is unacceptable and I promise that all XXXX will break loose, if he does NOT recover because I can not get him the help he so desperately needs! I am asking again for the uptenth time for my funds to be released and an expedited card to be sent out to my mailing address. I am going through XXXX XXXXXXXX and XXXXy, major financial distress and XXXX due to being unable to make my utility payments in time and buy food for me and my dogs. Bank of America has completely destroyed my credit score since I have been using my credit card to pay bills and have exceeded the limit already. Please help!! Time sensitive!
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

This is my direct deposit account ( payroll ) in 5/3 Bank. I have been charged 7 times overdraft fees of {$37.00} each, they took out from my account {$250.00} ( from XXXX to XXXXXXXX XXXX  ).
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I never agreed to a contract with your collection company. Prove that this account belongs on my credit report and that my rights haven't been violated, or terminate this account immediately. Under 15 U.S. Code 1692e ( 6 ), debt collectors must avoid false information or misleading statements about the nature, amount, or legal status of a debt. It's illegal to make deceptive claims or misrepresentations regarding the debt being collected.
Consumer complaint received 2019-03-09
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: AES/PHEAA (AZ)

I have a loan with FEDLOAN and XXXX XXXX XXXX, XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, FEDLOAN and XXXX XXXX XXXX, XXXX with no successful resolution. XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2023-06-06
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. (CA)

" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (IN)

I checked my bank account with wells fargo and seen that my account has been overdrawn unauthorize transactions has made into my account i contacted WELLS FARGO several times about this incident and that it be refunded back to me. They never responded back to the request I sent over to them Claim number XXXX XX/XX/2022 XXXX XX/XX/XXXX Claim number XXXX {$9200.00} XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Byrider Franchising, LLC (IN)

Hello, I am requesting help with an old collection being removed from a previous vehicle that was totaled out. This incident happened in XX/XX/XXXX while I was out of town for a family member 's funeral. My vehicle was used for activities that I was not aware of. In the midst of these activities of a house party, my vehicle was crashed into a tree. I was also going through an eviction at the time which was a heavy burden as well. I reached out to CNAC whom is the finance company of J.D Byrider and explained the situation. Upon the photos I sent to them, an insurance claim was filed and the vehicle was written off as a loss. After the vehicle was written off I was still required to pay for a vehicle that I no longer have. This has been on my credit report for 6 years and has been restricting my credit score to flourish the way I need it to. I have been in contact with the manager at J.D Byrider and have set up payment agreements/settlement offers. But as life has been bringing other challenges my way. I have not been able to make settlement payments. I would like a dispute to be made so that this vehicle is no longer on my credit report. My current situation still does not allow me to pay on a previous vehicle. I am currently looking for a new home for me and my husband. And I am covering for expenses that my husband is not capable of handling at this time. I am also paying for another vehicle at this time that I leased in XXXX of XXXX. The insurance claim sent to CNAC was for a total of XXXX. The remainder balance on my credit report is {$4700.00}.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CT)

My Citi credit limit has been reduced twice in 3 months, with detrimental impact to my credit score. The first time was mid XX/XX/XXXX, the second time was today XX/XX/XXXX. I did not use the card last billing cycle, and most recently paid almost double the minimum payment. 

I have never been late on a payment to this creditor. The reason theyve provided both times is that the reductions are due to information received from XXXX. I believe its due to high balances on credit cards.

Today, when on the phone with a manager from Customer Service Escalation, he indicated two different things : 1 ) that the decision is made by Citis Credit Department based on information from the credit bureau, and 2 ) that the decision was made by the credit bureau so I should contact them. 

He indicated that Citi could reduce my limit at anytime ( which I know and understand ) but when asked what criteria I needed to meet in order to prevent this from happening again, he said that it was confidential. He also said that they check every 6 months, but when I told him this has happened twice in 6 months he didnt indicate why or how that could be. 

I believe at the end of the call he said something negative about the likelihood of me being able to obtain credit elsewhere.
Consumer complaint received 2024-04-06
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. (NJ)

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXXXXXX A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This is a violation of this law. 
I did not authorize the company to put transactions and the account on my credit report and they violate this law, I want this account deleted immediately.
Consumer complaint received 2023-08-01
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-04-06
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: Experian Information Solutions Inc. (NY)

There are multiple unauthorized, hard inquiries on my credit report that do not belong to me from : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2023-12-12
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (TX)

I have disputed with all three reporting companies multiple times and nothing has changed. I dont have anything negative on my credit report other than this, which is XXXX XXXX mistake that Im getting punished for. They called me about my card not working XX/XX/XXXX and informed that I was a few weeks late. I was informed that call was being recorded. I made a payment and authorized them to take automatic payments over the phone. The customer rep explained everything to me and I asked her if it was going to come out automatically and she stated on that recorded phone call that it would. They never charged the card. Ive tried calling and talking to them but dont get any where. I have been hung up on numerous times. Now I have a late payment on my account for being lied to on a recorded conversation that they wont pull up to investigate.
Consumer complaint received 2024-04-06
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. (LA)

XXXX XXXX should be removed from previous authorized user 's credit report XXXX XXXX. I have emailed XXXX credit several times to ensure that account be removed from XXXX XXXX 's credit report to no avail to date account is still reporting as an open authorized user account and has been closed for close to 6 months!
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family.
Consumer complaint received 2021-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE BANK USA Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.