davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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: Synovus Bank (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I submitted a dispute to Experian about a bankruptcy that does not exist. I sent in the proper proof and they said that they verified the bankruptcy with the court. I reached out to the bankruptcy court and they told me that they do not verify bankruptcies with the credit bureaus. I asked him to explain to me how they verified this bankruptcy and they told me that the credit bureau told them that a bankruptcy did exist. I have proof from XXXX that there is no bankruptcy on my reports and also I have a letter from the bankruptcy court saying that they do not verify bankruptcies. They are violating the Fair Credit Reporting Act.
Consumer complaint received 2024-04-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (NC)

I don't recall having a contractual relationship with this collection company PRO COLLECT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I receive a letter dateXXXX XXXX from Bank of America in reference to account number ending in XXXX saying I made a dispute on my account. I did not make a dispute with Bank of America nor any of the consumer reporting agencies regarding my account. I simply made an over the phone inquiry as to why a payment I'd made on time was reported late. I later discovered via the letter dated XXXX, Bank of America reported the payment I made on-time to the reporting agencies as late. This has cause my credit score to drop and me great stress. Bank of America is alleging in the letter they are reporting accurate information. However, they are doing the very opposite because I made the payment on-time.
Consumer complaint received 2024-08-25
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. (RI)

To whom it may concern : I received a letter of my credit report with the intention are trying to improve my credit and take care of my responsibilities. Noticed a few accounts that I wanted a little more explanation on. The information needs to be 100 % accurate. I also read the Fair Credit Reporting Act where the law states that I have a right as a credit consumer to challenge anything inaccurate. The information needs to be 100 % accurate. The Fair Credit Reporting Act law states that I have a right as a credit consumer to challenge anything inaccurate. 15 U.S.C Sec 1681i ( n ) states that the correct information provided to these accounts must be accurate. if these accounts are, inaccurate or improperly reported, they must be deleted. The credit consumer saw your lawyer and stated that there is a 30-day window to complete this investigation. Please investigate the information on the accounts and remove them if anything is inaccurate or incomplete. 

Account Name & NumbeXXXX 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 2024-04-24
Product: Credit 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: GOLDMAN SACHS BANK USA (NY)

XX/XX/XXXX - XX/XX/XXXX unauthorized charges were made on my Apple Credit Card being used on a stolen XXXX. Ive filed multiple disputes with Goldman Sachs Bank USA as theyre fraudulently billing me for unauthorized charges. Ive provided them with a police report number of the incident and Goldman Sachs Bank USA isnt removing the charges.
Consumer complaint received 2022-12-05
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)

FCRA Violation: name and address not mine
XX/XX/XXXX

FCRA Violation: credit card not mine
XX/XX/XXXX

FCRA Violation: credit card never lateXX/XX/XXXX
FCRA Violation: hard enquiries not mine
XX/XX/XXXX
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2023-08-13
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX OF XXXX ( XXXX CREDITOR - DIRECT LOANS ) : 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 ( ORIGINAL CREDITOR - XXXXL XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CREDITOR - XXXX XXXX ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX IN CO ) : XXXX, XXXX XXXX : XXXX, XXXX XXXX. OF 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-06
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: EQUIFAX, INC. (MI)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX OF XXXX ( XXXX CREDITOR - XXXX XXXX ) : XXXX, XXXX XXXX ( ORIGINAL CREDITOR - XXXX  ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX  ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CREDITOR - XXXX XXXX ) : XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR - XXXX XXXX XXXX IN CO ) : XXXX, XXXX  XXXX : XXXX, XXXX XXXX. OF 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-05
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-08-13
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: BMW Financial Services NA, LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-13
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. (FL)

Experian has failed to properly protect my credit report from fraudulent creditors, and they have failed to properly verify accounts that are being reported. 

I have disputed creditor XXXX XXXX 2 times for a fraudulent medical collection in the amount of {$1500.00}. 

Each time I disputed the collection the creditor failed to submit any supporting documents to Experian. Therefore the collection was removed from my credit report. 

However, the creditor waits a few months and then fraudulently reports the exact same collection to my Experian credit report. Experian is the only credit bureau that has repeatedly allowed this creditor to abuse my credit report with out obtaining the proper requested documents from the creditor to verify that I owe this debt. The creditor has not furnished any supporting documentation whatsoever, yet Experian allows for this collection to be on my credit report without properly verifying the accuracy. 

Creditor : XXXX XXXX XXXXT Address XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

I received my new card i activated it and was told it is good to use, it has been declined twice, company says they do not know why but try again and it was again declined My Balance is XXXX and i have over {$7700.00} available credit to use but it will not work they owe me monies as well and have not paid me back they are cheating me and lying
Consumer complaint received 2023-08-13
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. (FL)

To whom it may concern, In accordance with the Fair Credit Reporting act Convergent Account XXXXXXXX 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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN XXXX AND EXPERIAN - PAYMENT SUMMARY AS EXPERIAN REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, XXXX REPORT SAID ACCOUNT CLOSED IN XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (MA)

I received a letter from the XXXX program thanking me for applying for a XXXX program loan although I never applied for such. The letter also stated that they had received my credit score from EXPERIAN and that they were unable to verify application information.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (DE)

Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX This account opened on XX/XX/XXXX, with an age of XXXX, 5 months, and a balance owed of {$3100.00}. This was a car loan for a XXXX XXXX XXXX XXXX : XXXX. This vehicle was totaled in a car accident on XX/XX/XXXX, with full coverage insurance and XXXX insurance also. I have for the past 4 years, been in contact with Credit Acceptance concerning this loan and the remaining balance. Every time I contact them they can not tell me as to why I have this remaining balance. On XX/XX/XXXX I had a zom court appreance with the State of Delaware concerning this case, credit acceptance took me to court due to the remaining balance. I won the case and the case was dismissed due their lawyer not being able to prove to me why I owed {$3100.00}. This account has 45 missed payments, that have been reported to my credit report for 45 months. 

This account has impacted my ability to be approved for car loans, credit cards, and any other lines of credit.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NJ)

I need help to solve this problem that affects me with CHASE BANK itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with CHASE BANK I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. 

XXXX NUMBER : # XXXX ACCOUNT NUMBER : # XXXX ACCOUNT NUMBER : # XXXX
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My name is 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 2023-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

The card was opened in the beginning of XXXX. This was opened with out my knowledge. I received the card in the mail. I then called and reported the identify theft. I also contacted the Federal Trade Commission, they sent a letter to XXXX as well. Still no response. I contacted the three credit bureaus and filed fraud. They have removed everything from my credit report. I Still have not heard anything from XXXX. 
There were two other credit cards opened in my name that same day. Those companies sent me letters stating the accounts were closed stating it was indeed fraud. I now have a freeze on my credit reports.
Consumer complaint received 2023-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (MS)

I have been trying to get paper bills on a personal line of credit, Paper statements requested every month ( Via XXXX XXXX XXXX ), for account # XXXX to no avail. I don't have access to internet all the time so I can not receive online bills all the time. I need them to send me paper bills " Each month '' so as to be able to set up payment source to send them payment each month. They refuse to do so and it is " MY RIGHT '' as an " XXXX XXXX '' to receive paper bills. I ask the Upgrade Representative to send me email to confirm ( They won't send paper bills ), she refused and said ; quote '' We don't send emails ''. NO where in the " TIL document '' or the " Loan Agreement Document '' does it say I can't receive paper bills each month. I need them in order to send them payment every month in a check. ( See attachment ).