davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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. (PA)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gregg M. Horowitz, P.A (FL)

I received a suspect letter in the mail. It arrived in a plain white envelope with no return address. The letter was a poor attempt at an official looking document.It had no signature from a Judge or magistrate or any official stamps or marking from the clerk. The letter was fraudulent. I made contact with the Sheriff 's Dept of the county on the letter about a company sending letters from the court that fraudulently being sent. I was told to disregard. Several more came so I disregarded them. 
On XXXX XXXX I was served an XXXX XXXX XXXX With the threat of XXXX  if I did not appear. 
I have no knowledge of a debt or judgement against me from XXXX. A debt validation letter was sent asking for information on the original debt because it could be fraud or identify theft. The collection agency ( debt buyer ) said the did not have to comply. 
The insufficient and in proper service of process was a blatant and deliberate tactical use of the court proceeding to gain a favorable ruling.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

A fair resolution would be for XXXX XXXX, XXXX to obey the law per 15 U.S.C 1681 ( B ) as i do NOT have any memory of attempting to obtain any line of credit with XXXX.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (MN)

Last week, I received XXXX emails about my XXXX XXXX card : the first said a new one was due to arrive in the mail, the second instructed me to ignore the first email because my account was closed ( which was an absolute surprise as that was news to me ), and the third told me to ignore the second email as my account _wasn't_ closed. I tried calling them, but was on hold for about an hour and no one ended up answering. Today I received my new card in the mail, but upon trying to activate it, both the automated phone system and online activation say there is no record of my account. My credit report shows the account still open, but I can't even log into the Comenity website to check as the site throws a " technical glitch '' error message every time I try to sign in. Nothing seems to be working at this company and I can't manage my account or even get a hold of a real person to understand what's going on. 

It feels like something is being covered up ; whether it be a cybersecurity incident or a botched system upgrade, this should not be happening to an institution in charge of this much sensitive personal and financial information. 

Leadership needs to step up and explain to their customers why their entire online and phone system have been in disarray for months.
Consumer complaint received 2023-05-24
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. (FL)

The Bank and the credit report agencies are INACCURATELY REPORTING the following account : XXXX # XXXX XXXX XXXX XXXX XXXX, OH XXXX, they have not conducted any investigation on this matter and claim it belongs to me without giving any proof of that, because it does not belong to me. I have sent several request to resolve this to the Bank and the credit bureaus but they are still reporting the account as mine and hurting my credit and creating emotional distress because that situation because Negligent actions. I want to see this IMMEDIATELY DELETED FROM MY CREDIT REPORTS
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (IN)

I am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did a full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : USDA  XXXX USDA  XXXX USDA XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act 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 2022-09-07
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: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I contacted Comenity Bank for my XXXX XXXX Credit Card. I was planning a larger purchase and inquired if I was eligible for a credit limit increase. The agent said yes and asked for income and how much I could pay on a monthly basis. Nothing was disclosed to me that a hard credit inquiry would be needed. I would have never requested this if I would have known that was the case. On XX/XX/XXXX I was notified from a credit reporting app about the new inquiry. I immediately called and asked for the increase and inquiry to be removed and reversed. They said that was not possible and did not express concerns that the agent did not disclose or capture my consent to perform a full credit inquiry. 

On XX/XX/XXXX I discovered that I would have had enough available credit to make the purchase originally and none of this was never needed. Comenity Bank is placing a double hold on a transaction from XX/XX/XXXX. The original transaction is already posted and they have an additional authorization holding {$3300.00}. I asked if that authorization could be removed or disputed since the original transaction is posted and reflected in my current balance. They denied my request to remove or dispute this authorization that was place in error. The only solution that they could offer me was to wait until XX/XX/XXXX for the authorization to automatically fall off. They also said I could apply for a second increase. 


I feel that Comenity is taking advantage of me. I would like the authorization removed and the credit inquiry to be reversed.
Consumer complaint received 2022-11-28
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. (MI)

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report 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
Consumer complaint received 2024-03-05
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Credit Karma (PA)

XXXX XXXX is a service provided by XXXX XXXX. On their website, it states that if you choose to close the account, you have to send them an email. Ive sent the email twice over the course of a month. There is an automated response asking four your name, last four of social, and email associated with your account. I responded and stated that asking for PII over email was not a great idea. I have not had any response regarding closing this account. I then tried to reach a customer service representative. The chat notifies me that I am being transferred to a human and before it can connect, it says the service was disconnected due to a connection error. There seems to be some shady business going on with this service.
Consumer complaint received 2024-03-05
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-02-06
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2024-03-05
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. (NC)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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
Consumer complaint received 2023-06-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery associates is sueing me for money damages. XXXX, XXXX XXXX On XXXX. They are a collections company taking me to court in XXXX XXXX Tx. XXXX XXXX is the law firm that will attempt to serve.
Consumer complaint received 2022-11-28
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. (OH)

Subject XXXX XXXX  Loan Discharge Based on Borrower Defense Evidence The Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XXXX XXXX  are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). 

Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XXXX XXXX XXXX  through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. 

XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX  - Account number : XXXX - XX/XX/XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JTM Capital Management, LLC (MD)

ON XX/XX/XXXX I SEND A LETTER TO XXXX XXXX XXXX. BXXXXx XXXX XXXX XXXX, SD XXXX XXXX MAIL. 

AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU .. 

I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW. 

I CALLED BACK ANOTHER TIME SAME DAY AT XXXXPM EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ... 

I ASK HIM DID U GET THE LETTER I SEND OUT ONXX/XX/XXXX HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ... 



Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. 
XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX XXXX XXXX. 
To check your account balance, make a payment, or for other general customer service inquiries, please call ( XXXX XXXX XXXX.
Consumer complaint received 2018-06-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA Reported a Account to the credit bureau stating an account was opened up on XX/XX/XXXX. This is a secured card I never opened with a balance of {$4900.00} I didnt open this card. The first time I called regarding this matter I was told the account would be removed. It never was. Then I contacted them more than 5 times. Most recently in XX/XX/XXXX. I provided all detail I could pricing I never opened the account. The account cant even be opened unless a person is a military spouse or military member. I am neither. I wasnt even living in the state where the card was mailed. Its fraudulent and USAA. Refused to help and constantly lies. They have never requested documents from me. I filed a police report and a complaint with FTC regarding fraud. When I call USAA you cant speak directly with the fraud department I have to always speak to a Customer Service Specialist and I have to repeat the same complaint over and over. They wont remove it from my credit report or dispute the transactions that were made by whoever opened the card.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

For years I have disputed incorrect and unverified information on my TransUnion credit report. After every investigation I have always received a generic response. XXXX and XXXX have been disputed and were unverified but TransUnion still has this information on my reports. I have reached out to both companies with no response. I disputed this information with TransUnion several times pleading for an investigation.
Consumer complaint received 2023-02-17
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. (CA)

This complaint is my follow-up to my previous endeavor to tell you that there are erroneous accounts within my Credit report file. The accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once. 

Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$5400.00}
Consumer complaint received 2024-03-05
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. (VA)

The Following accounts XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account Number XXXX have been deleted from XXXX but are still reporting on XXXX And Experian inaccurately. The law say every Credit Bureau must report complete and accurate data on my credit report.