davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

Lexis Nexis previously sold and reported my private nonpublic and personal information to consumer reporting agencies thus committing identity theft and causing me injuries such as humiliation, stress, loss of opportunity and wages. Lexis Nexis provided a reinvestigation XXXX XXXX XXXX  and has failed to furnish notification of the deletion results to those including the elaborate mechanisms, XXXX XXXX and other persons who have obtained my consumer report for any other purpose in the past twelve months. 

Please see the attached for specific persons Lexis Nexis needs to send the notification of deletion to immediately and to provide me with a copy of each notification sent. 

Provide monetary relief of {$1000.00} for violating my privacy rights.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

I applied for the AAA Daily Advantage Visa Signature card from Comenity/Bread Financial bank. After submitting the application, I received a message saying I would receive a letter from Comenity/Bread Financial within 10-14 days. I then received such letter, called in and provided all the information over the phone to the agent on the line. She confirmed I went through their verification process but 'the bank is still processing my application ' and asked that I waited another 10-14 days for another letter. 

This is ridiculous, but nothing I can do so I waited. I received another letter yesterday on XX/XX/07 saying my application was denied due to Comenity/Bread Financial being unable to verify my identity ( Ref number XXXX ). They already pulled my XXXX credit report, they have all my information, including SSN/home address/DOB, have me wait for 3 weeks and told me that. Unacceptable and unbelievable. Very disappointed.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act.The list of accounts below XXXX XXXX  XXXX XXXX account number XXXX open XX/XX/2016 has violated my federal protection consumer rights to privacy and confidentiality under usc 15 -1681 I to the Experian to reinvestigate this account XXXX XXXX XXXX XXXX however they stated everything was complete and accurate but how is that possible if the account date and dates of last activity and much more is incorrect according to 15 usc 1681 ; ( 5 ) they are supposed to modify accounts that isnt reporting correctly. When account was closed
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX, I was denied a product due to a extended Fraud alert on my consumer credit report. I did NOT ever request an extended fraud aler or ANY other fraud and/or alerts to be on my credit report
Consumer complaint received 2023-08-08
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. (CA)

I have tried and tried i have given Experian the proof to correct my consumer report, experian has been violating my consumer rights day in day out. i have asked for REAL VERIFICATION DEMANDED THAT THEY SUBSTANTIATE THEIR CLAIM TO VERIFICATION OF ACCURATE REPORTING BY PROVIDING ME WITH NO REAL DOCUMENTATION TO BACK UP THEIR INVESTIGATION. EXPERIAN JUST TELLS ME THAT THEY INVESTIGted, but no proof is given to me.. PLEASE HELP ME CFPB, PLEASE HELP ME WITH EXPERIAN.THEY LOVE VIOLATING FCRA LAW
Consumer complaint received 2023-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (SC)

Harris & Harris continue calling me regarding another person. I have told them repeatedly they have the wrong number and asked to be removed from their calling list. I do not have any debt. I am under a XXXX XXXX XXXX 
They are now calling me daily. I work 3 jobs so I am either at work or asleep when they are calling. This is very disruptive, and they aren't even calling for me.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Your agency is in violation! 
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.

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - UNEMPLOYED WITH INCOME Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have complained about this membership fee for a couple of years now, and it was my understanding that this membership fee does not apply to me anymore because I have been a card holder with Capital One since the year 2000. I have reported this issue to the CFPB ever so often, and Capital One claims to waive the fee but continues to constantly add it back without any warning.
Consumer complaint received 2023-05-31
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. (CA)

I've been disputing this collection account that appears on my credit report but the bureaus keep saying the account has been verified but never have sent me anything to prove it.
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (LA)

XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (PA)

On XX/XX/XXXX I made a deposit payment of {$400.00} for my project at XXXX XXXX XXXX, using my Citi MasterCard-XXXX  to the individual XXXX XXXX 's Roofing who promised to do a certain job, but it turned out to be a fraud. He refused to do the job and refused to refund my money. I called to Citibank, told them about that and said, I would like to dispute the charge and got my money back. They promised to do that. After about 2 months of silence I called them again and asked what was going on. In reply the bank sent me a letter dated XX/XX/XXXX, saying they received the merchant 's response and based on that they closed their investigation and reversed their credit to my account. they said if I still wanted to dispute, I had to provide the complete details of the dispute, dates the merchant was contacted and the response. They asked me to respond by fax or email and include reference number : XXXX. they also asked for my signature on that request. I did sign it and sent BOTH email and fax to them on XX/XX/XXXX. After few weeks I received the letter saying since I did not replay, they closed the case. I called again, Lady I was spoken to admitted, they received my information, and promised to reopen the case. Last week I received a letter dated XX/XX/XXXX, they were unable to require the merchant to issue credit for this charge and their investigation remain closed. I am very unhappy how that bank treated my dispute.
Consumer complaint received 2023-07-18
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. (GA)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with XXXX XXXX credit reporting. 
I have evidence to prove my case!
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I've consistently maintained a record of timely payments for this account, avoiding any instances of overdue payments. The basis for the inclusion of late payment remarks on my accounts is uncertain to me. In accordance with 15 USC 1666b - Billing Error, corrections must be made.
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Mr. Cooper has had numerous issues with their website since we have been transferred to them for loan servicing. I most recently tried to cancel a payment on their website by clicking the cancel button immediately after submitting the payment. The cancel button did not do anything. I tried calling but their systems were down every time I called and they were unable to access my information. I asked them to cancel that payment via secure message. Instead, they assessed a {$30.00} fee. After numerous phone calls with incompetent customer service and people who say they are supervisors, they refuse to remove the fee that was caused by their website error glitch. They are thieves.
Consumer complaint received 2023-05-29
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. (NV)

XXXX XXXX XXXX XXXX XXXX This educational department has promised not to give any of my personal information to anybody and that's including the credit bureau agencies . I am the holder of the consumer credit contract and I can assert my rights. 

16 CFR 433.1 16 CFR 433.2 16 CFR 433.3 16 CFR 313 16 CFR 313.1 I have the right to opt-out. I have never received a notice of my rights to opt-out from XXXX/Dept of Education . 

XXXXDept of Education is also violating my rights under : The Family Educational Act of 1974 and The Privacy Act of 1974
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I have submitted multiple disputes and FTC regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-12-08
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. (TX)

Since the XXXX pandemic, Ive suffered physically, emotionally, economically and was hospitalized due directly to XXXX XXXX sickness. I had great credit, score XXXX and great credit rating. XXXX directly to the pandemic, my employer claimed bankruptcy, I fell behind on paying my bills due to hospitalization of XXXX XXXX. It took me a year and a half, staying in contact with my creditors to pay the balances off. In XX/XX/XXXX I got my life back together, contacted all my XXXX creditors and made payments to pay off my balances, satisfied my debts and closed my account. All my credit accounts were now paid, satisfied and closed. XXXX creditor, XXXX  bank is appearing on my Experian credit report twice as Potentially Negative. This is XXXX account, not XXXX separate accounts but only Experian is wrongly reporting this creditor twice on my credit report, which makes my fico score lower, appearing I have XXXX negative accounts with XXXX, no only XXXX and that account was paid and satisfied. Both XXXX  credit reports on Experian have the same account information so why is Experian only, not XXXX or XXXX reporting this false information. This XXXX  creditor was paid and satisfied in XX/XX/XXXX. I tried twice to dispute this with Experian but they refused to remove XXXX of XXXX  credit report as potentially negative from my credit report when it should only be showing XXXX, ( XXXX ) XXXX  account that was potentially negative but was satisfied, paid and closed. XXXX asking for your help to make experian reporting agency only, to remove the double reporting of XXXX  bank information. Again there is only XXXX XXXX  account but Experian reports XXXX, both with same account # and exactly the same information as to balance, being paid, satisfied and closed but Experian refused to remove this double reporting on my Experian credit report. XXXX and XXXX are reporting correctly, reporting once, and only XXXX XXXX  account with information including balance, date paid and satisfied then close. Please help me as experian has been horrible in customer service and refused to report correctly, accurately, but continues to report false, inaccurate and misleading information on my Experian credit report that is so obviously can been verified but Experian twice in my dispute with them just ignore me and continue to double report a creditor, XXXX  bank on my Experian credit report
Consumer complaint received 2023-07-18
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. (MI)

In accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Michigan Docket # 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 XXXXXXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, 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 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
Consumer complaint received 2023-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I keep receiving mail to my home about a debt collection but the person who owes this debt isnt me the name is XXXX XXXX  and has put my address. He also passed away a couple months ago but the correct address where this mail should be going to is XXXX XXXX XXXX XXXXXXXX, VA XXXX. He used to work with me but Im confused as to why i keep receiving mail from him at my house when he doesnt live here and is deceased.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have submitted multiple disputes and FTC regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-11-09
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. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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