davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (IL)

Pursuant to my previous two complaints filed here, Comenity Bank has most recently responded by urging me to send them a letter requesting the opening of a dispute. 

I have no intention of playing their games any further ; when I originally contacted them months ago my intention was to open a dispute. I had been under the impression that this was already resolved, until the events that prompted me to make my last complaint here to CFPB. 

I badly require assistance in this case, because every time I raise the issue with Comenity Bank they hand it to some new person who has no idea what is happening. All I know is that they lie to me and they stonewall the case. There was nothing that I ever did wrong, I have my outstanding credit card bill with them, I am a timely payer and have never missed a payment. They manufactured a problem and are now trying to cause me grief. 

Please! Please do something other than forwarding the complaints to that company ; they are not going to do anything other than to attempt to place further burdens upon me. I am severely XXXX and am an elderly man. I'm worried that this business is going to affect my future monthly payments.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In lieu of sending appropriate documentation to EXPERIAN, EXPERIAN refuses to comply with FCRA guidelines in consumer reporting. consumer violations 602, 603, 604 of 15 usc 1681. see attached
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I OPENED A CHECKING ACCOUNT WITH USAA ON XXXX AND THEY CLOSED IT THAT SAME DAY IF NOT THE NEXT. HOWEVER I HAD ALREADY GOT MY XXXX XXXX BENEFITS CHECK TO GO INTO THAT ACCOUNT. THEY WONT RELEASE MY MONEY TO ME AND ITS BEEN 60 THAT THEY TOLD ME IT WOULD TAKE TO CLOSE THIS ACCOUNT. NOW EVERY TIME I CALL THEM TO FIND OUT WHATS GOING ON I GET THE RUN AROUND. I HAVE SENT THEM ALL THE DOCUMENTS THEY ASKED FOR AND I STILL GET THE SAME RESULTS. THIS IS MY MONEY FROM THE GOVERNMENT THAT IS THAT IS DUE TO ME EACH MONTH. MY HUSBAND DIED WHILE SERVING THIS COUNTRY IN THE XXXX AND NOW TO HAVE THIS BANK NOT GIVE ME MY MONEY IS JUST WRONG.IF I HAD KNOWN THAT I COULDNT OPEN AN ACCOUNT WITH THEM I WOULD HAVE NEVER EVER DONE SO BUT BECAUSE THE EMPLOYEE DIDNT DO HIS JOB CORRECTLY NOW THEY ARE PUNISHING ME.PLEASE BEWARE OF THE XXXX LEARN FROM MY # THEIR MISTAKE.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (TX)

Barclay Bank issued a line of Credit ( Gap Rewards Card ) to me at an address I had not lived at for quite a few years, I called them when I received notice of a bill and told them of their error, and was assured that the problem would be taken care of ; I kept receiving notices, I called them again, they had no notes of the first time I called them, again I was assured that the problem ( talked with the fraud department ) was taken care of, I still received late payment notices, I called them a third time ( yes they had the notes of the second time I called them ), the guy in Fraud was keeping me on the phone for a long time about the outstanding charge on the card ; I told him ( non-English speaker btw, all of them ) that he was wasting my time and that they are the ones that issued the line of credit to the wrong person, said I was going to file a complaint if Barclay 's did not leave me be ; Barclay 's closed the account and then they ( Barclays ) informed the Credit Reporting Agencies that I was 30 days past due.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain.

1. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. 
XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been deleted from XXXX but somehow it is still being reported by you. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If XXXX notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report.

Please delete these items from my consumer report.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding representing XXXX RANDOMLY called an individual they assumed or hoped might be family member ( s ) to get in touch with me, ( while I was out of town ). I never gave consent to Midland Funding XXXX to release my financials to anyone other than me. I never gave XXXX or Midland Funding consent to release my financials to anyone other than me. Midland Funding and XXXX gave ASSUMED family members confidential information about me and my financial information with their company to this particular individual on or around XX/XX/XXXX and XXXX of XX/XX/2019. This was not the first time. XXXX and Midland Funding claim they spoke to my husband. Ive NEVER been married!!!!!! Midland Funding XXXX confirmed they spoke with my husband and gave him all my details about the account. Again, I have never been married. I never consented ; I never agreed in writing or by phone to Midland Funding XXXX to randomly contact individuals they assume might be family members or friends and give MY personal information about my personal or business finances with XXXX to someone other than me - I asked the customer service rep HOW or WHERE did they get this information on me. I was transferred to the manager in the case. That manager was not in office. No response. Im told they will look into the matter. UNBELIEVABLE
Consumer complaint received 2023-01-25
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. (KY)

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 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 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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 a account without my written instructions This account is showing inaccurate information on my credit report.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (CA)

A criminal was able to withdraw {$3700.00} from my GS-Marcus savings account just knowing my acct #. That money was transferred to a crypto currency exchange under a different name than mine! GS-Marcus website states that withdrawals can ONLY be made to EXTERNALLY LINKED ACCOUNTS, but the crypto-currency account ( with a different name than mine ) was NOT EXTERNALLY LINKED. 

GS-Marcus did not detect that unauthorized transfer- I did and notified them. After completing and sending back an unauthorized transfer form, the {$3700.00} was credited back to my account WITHOUT THE INTEREST DUE. I detected that after logging into my account. GS-Marcus never notified me of that credit. 

Despite numerous requests, an explanation was never received. That is in violation of CFPB Reg E which governs EFTs : " A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer [ Goldman/Marcus NEVER REPORTED THE RESULTS TO ME ] within three business days after completing its investigation. '' https : //www.consumerfinance.govXXXX # XXXX
Consumer complaint received 2023-11-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NJ)

Over the past two years debt collectors ( 3 ) have been trying to collect a debt on XXXX XXXX XXXX XXXX for an address in XXXX XXXX I never started up service in XXXX XXXX  i found out that my identy had been stolen and I have credit feezes activated and subscribe to XXXX. The newest Collection came from Radious Global Solutions. I called them and they said to fill out a fraud report with XXXX XXXX XXXX. Well I did taht with an avadavit in XXXX when another debt collection company was trying to collect the debt. The original amount was XXXX from XXXXXXXX XXXX XXXX Services back in XXXX. I recieved a letter from XXXX saying they would not longer try to collect and close the account. however this new collection company Radious is trying to collect XXXX regarding the same service from XXXX XXXX
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I have had my family home foreclosed on but we do not know by who? The alleged Plaintiff, XXXX XXXX sent my a letter saying they did not do it and that they do have authority do so, but the court aloud it. The alleged servicer, Nationstar, did not initiate it either. Therefore, the law firm, XXXX XXXX XXXX, was not hired to file the foreclosure by neither party. Finally either party will show certified copy of note to verify debt, under UCC 501 or FDCPA. So, why are we losing our home?
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain.

1. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. 
XXXX XXXX XXXX XXXX XXXX XXXX This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has been deleted from XXXX but somehow it is still being reported by you. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If XXXX notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-05-18
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. (CA)

There are 4 accounts on my credit report that do not belong to me I have sent out multiple letters to the bureaus as well as the furnishers on these accounts and they are not willing to help me or to open an investigation These accounts were never authorized or used by me I have no such cards in my posession and I dont know what these accounts are for or how they ended up in my credit report. 

XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX/XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$5200.00} XXXX XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$7300.00}
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (NC)

Consider this as a follow-up request to my previous attempt to clarify my credit report. The erroneous account that still lingers on my profile has not yet been validated. I have not yet received a notification regarding this matter. I am Including the aforementioned account : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Consider this as a follow-up request to my previous attempt to clarify my credit report. The erroneous account that still lingers on my profile has not yet been validated. I have not yet received a notification regarding this matter. I am Including the aforementioned account : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-06-06
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: JPMORGAN CHASE & CO. (FL)

In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 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 below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-23
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. (IL)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: OneMain Finance Corporation (GA)

I have been with XXXX XXXX since XX/XX/2023 and this is a debt consolidation company. My account with XXXX XXXX  dealing with One Main is # XXXX. XXXX XXXX is willing to do a settlement to take care of this debt besides going to Court or Garnishing my wages. I was notified by a Bankruptcy Attorney and have submitted the letter to XXXX XXXX of this potential lawsuit or garnishment.
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.