davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (FL)

In 2019 {$860.00} was taken from a credit card extended by XXXX XXXXXXXX XXXX 
To which time I was XXXX in Federal prison making this an impossibility. 
Someone fraudulently used my personal information.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.
Consumer complaint received 2023-09-10
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. (NY)

XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (AL)

In accordance with the Fair Credit Reporting Act COMENITYBANK/COMENITY CARD Acct # XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-26
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. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX 
Account Number : XXXX Account Name : XXXXXX/XX/XXXXAccount Number : XXXX INQUIRIES : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account 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 2023-09-10
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. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account 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 2023-03-30
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: Lockhart, Morris & Montgomery Inc. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose
Consumer complaint received 2022-12-13
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2018-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (CA)

ecmc sent me some paperwork however I 's disputing the fees and interest because they are making impossible to repay for example a loan disbursement of XXXX with a repayment amount of $ XXXX. This to me is unacceptable and doesn't see LEGAL. I also have always questioned the pay back amount and XXXX would never provide info I asked for like how is my repayment at $ XXXX oh actually within the last 2 months it was jacked up to $ XXXX. This is just for almost 2 years of schooling. There is definitely something wrong here with the accounting with ECMC and/or XXXX XXXX University which was in control of the disbursements. I have been asking for the last decade about these overcharges and can't get any help as to my options with disputing these loan charges/fees. I am starting to think that someone in the XXXX XXXX Financial aid office took in money that I didn't know about.
Consumer complaint received 2023-02-04
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. (GA)

I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al. 

XXXX XXXXXXXX XXXX, acct. # XXXX XXXX XXXXXXXX XXXX acct. # XXXX XXXX XXXX  acct. # XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX  acct. # XXXX XXXXXXXX XXXX, acct. # XXXX 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY.

15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related 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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have received a copy of my credit report " XX/XX/2023 '' and there are several wrong personal identifiers in the file ( address, employer and name ). This will keep jeopardizing my identity if they are not changed immediately! I want all inaccuracies removed as soon as possible please before any bad consequences happen to me because of these incorrect things, it is really harming my life. I've been trying to get my information updated for over 3 months now but never got results.
Consumer complaint received 2023-09-10
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. (CA)

I sent Experian, a consumer XXXX XXXX, a dispute letter on XX/XX/2023 asking nicely to remove specified items from my report that I do not give them written instruction/consent to report pursuant to 15 USC 1681b ( 2 ). ( attached in the documents below titled " Experian Dispute Letter PDF '' ) REPORT NUMBER : XXXX They have now completed their " investigation '' and they did not comply with my request. Not even close. I have attached the initial letter and proof of delivery below.
Consumer complaint received 2023-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

This complaint is against Discover Home XXXX Loans. Application # XXXX. In presenting Discover Home Loans with evidence that this was a fraudulent inquiry brought on my my Identity Theft issues Discover Home XXXX  loans agreed that this application was fraudulently submitted in my name. XXXX was notified. Ample time has passed and this fraudulent inquiry remains on my Credit File. This fraudulent inquiry has had plenty of time to be removed from my Credit File, but it remains. I also am requesting the complete Credit File within 30 days as allowed by FCRA.
Consumer complaint received 2023-09-10
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MD)

Experian Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may nottreat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-07-26
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$670.00} XX/XX/2020 15 U.S.C , 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-10
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. (NY)

XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

I am writing to formally file a complaint against BMW Financial Services regarding a concerning experience I had with their website, which resulted in technical difficulties when attempting to switch my payment method and subsequently caused a late payment on my account. I believe that this late payment is not my fault and warrants investigation by your agency. 

Details of the Incident : Account Information : XXXX Number : XXXX Account Holder Name : XXXX XXXX Incident Date : XX/XX/2023 Description of the Issue : I attempted to log in to the BMW Financial Services website to switch my payment method to a new one and to make my monthly payment. To my dismay, I encountered severe technical difficulties on the website, preventing me from completing these essential tasks in a timely manner. 

Specifically, the issues I faced included : Inability to access my account : Upon attempting to log in, I received error messages and was unable to access my account. 
Payment method change failure : Even after numerous attempts, I could not successfully change my payment method to the new one I intended to use. 
Payment submission issues : The website continuously displayed errors when I tried to make my payment through the available online payment options. 
Consequences : Due to the technical difficulties I experienced on the BMW Financial Services website, I was unable to make my payment on time, which subsequently resulted in a late payment. I firmly believe that this late payment was not due to any fault of my own but was solely the result of the website 's malfunction. 

Attempts to Resolve the Issue : Following the incident, I promptly contacted BMW Financial Services customer support to report the issue and request assistance. While they were able to accept my payment over the phone and assured me that my complaint would be addressed, I have not received any satisfactory resolution to date because the late payment first hit my credit report on XX/XX/2023, was removed on XX/XX/2023, and was reinserted on XX/XX/2023.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I contacted XXXX XXXX XXXX back in XXXX  to have them remove the incorrect information that's hurting my credit report/score and my ability to obtain a new car loan. And further my credit building progression.
Consumer complaint received 2023-09-10
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : Agency/XXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2023-05-04
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)

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The follow ing accounts are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXXXXXX XXXX Balance : {$440.00}
Consumer complaint received 2023-07-07
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc. (FL)

State has submitted wire funds transfer to the bank on XXXX and approved on XX/XX/XXXX with bank transaction XXXX and then for XXXX payment on XX/XX/XXXX and received on XX/XX/XXXX with bank transaction XXXX and process to applying payment to my XXXX XXXX XXXX  account has been extremely slow, in which, it has made my account delinquent, and the mortgage company has reported the late payment to the credit bureau as a past due payment, which is not my fault and has now affected my credit. I have not seen any resolution from XXXX XXXX and I keep being informed that it will be escalated because they do not have any information on these payments, but when I checked with the state, I was informed that it was submitted to Dovenmuehle mortgage in Texas. Both payments for XXXX and XXXX are still not applied to my account and not being deposited to my account on time. I have been stressed and frustrated with not funds being posted in my account when these issues have never occurred in the past. I am concerned that when XXXX payment is sent that I will have the same issue. I have been getting runarounds from XXXX XXXX when I speak to the Loss mitigation department that they do not know where the payment is and stating that it was received, but they are not applying the funds to my account. My account online has been blocked from making any additional payments because I depend on the amount that state has been depositing of {$1600.00} to be applied so I can pay the additional amount and be current with my mortgage. I have never been late on my mortgage payment, and this is affecting me mentally. I have not received any callback as I requested each representative to do with an update and response of what is happening with these funds.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (SC)

Syncrony continues to check my credit report without autorization. They continue to close accounts that are in good standing, they increase interest amounts even with a good payment history. They want to contiue to raise the credit interst without notifying me or addressing the problem. They are loan sharks-in America!!