davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX, I called Comenity about my Caesers Rewards Visa, I let them now I was going to New York & would be using my card for payment while in XXXX on XXXX XXXX. In XXXX on XX/XX/XXXX, I attempt to make a purchase & my card is declined. I call Comenity & go through their Fraud steps, they confirm its me, they tell me they have unlocked my account. I wait approx 30 min & use my card again & it is again declined. I called them back to see what was going on again & I am told their fraud department needs to send me a code. I wait a few minutes and I have not received anything and they tell me they sent it again. I get the code and give it to them. I am told the code doesnt match and my account has been PERMANENTLY CLOSED due to fraud.. They tell me there is nothing they can do, I have no other options to prove I am me, NOTHING. I have never had a late payment, and just like that they permanently closed my account and tell me they cant reopen it. 

What I believe happened is when the woman resent the code the second time she actually sent a different code. After I got off the phone with them I saw I had received a SECOND message with a different code. I was NEVER told they would be sending a DIFFERENT code when they resent it nor did I have anyway to know when I received the first code that it was not the code they wanted since it was the first code I saw I received before I saw I was sent a second code. 

I was never told if you get this wrong while standing in the middle of XXXX without payment options, trying to figure out what is going on with your account that we are going to PERMANENTLY CLOSE your account. 

Mind you I had already confirmed my name, address, phone number, last 4 of ss number, last 2 payment amounts and the bank information those payments came from but apparently that wasn't enough information to confirm it was me. 

I asked to speak to a Manager and was connected to " XXXX '' who was rude, unhelpful, basically told me they were a bank and could do whatever they wanted and they werent going to open my account back up. I could have sent them photo ID, birth certificate, ss card, utility bill or other options if they had fraud concerns.
Consumer complaint received 2023-05-29
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. (TX)

on XXXX 2023, XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and Experian and XXXX XXXX. Upon my further research, this account was transferred/ sold from XXXX account to XXXX XXXX XXXX. 

I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation letter, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( Convergent outsourcing collection ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX ACC # XXXX, ( XXXX ) has violated my rights.
Consumer complaint received 2023-05-22
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. (NJ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT XXXX XXXX XXXX XXXXXXXX. 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 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.
Consumer complaint received 2022-11-21
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. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Consumer complaint received 2023-05-22
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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. (NJ)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (HI)

On XXXX, I sent an email to Lexis Nexis stating, I XXXX XXXX XXXX XXXX DOB XX/XX/XXXX, share the same name as my father, XXXX XXXX XXXX DOB XXXX 
I am disputing any policies, and claims with policies on my Lexis Nexis XXXX  REPORT that are being shared with anyone other than XXXX XXXX since XXXX. We have only had insurance through XXXX  and XXXX since XXXX. 
My father is showing up on my XXXX  report. XXXX XXXX has mistakenly reported that I have been a policyholder. I have not held any policies with XXXX XXXX  since XXXX. 
Since XXXX, I have only been a policy holder with XXXX XXXX XXXX with XXXX  and XXXX. I have not shared State Farm policies with my mother XXXX XXXX XXXX, sister XXXX XXXX, brother XXXX XXXX XXXX or cousin XXXX XXXX XXXX 
I am available anytime at XXXX Reach out to me by phone or email. I am willing to provide whatever you all need from me to correct this as soon as possible. 

On XXXX, I submitted my dispute by email and included a copy of my clue report with highlights of my disputed items, an itemized list of my disputes, supplemental insurance and identification information. The reason I sent an email first is because of difficulty I had with their online tool to submit documents does not work hardly at all. I continued to attempt to send it though their online tool using multiple computers and browsers and after 2 days of attempts through multiple computers and browsers, I was able to submit it. 

After hearing nothing by email for phone, I reached out today XXXX  by phone asking for any updates. It has been more than 30 days since my first email to them asking for resolution and 2 weeks since I submitted my dispute by their online tool. I was told they didn't have anything about my claim and asked for supplemental information which i was again unable to send by their online tool and submitted to their email. 

I have talked to XXXX XXXX  and they have corrected their reporting to Lexis Nexis but there are several other problems with my XXXX  report I need corrected ASAP so i can get auto insurance again. 

I still feel like nothing has been accomplished with Lexis Nexis. They have given me two case number. Previous case number is XXXX  and new case number is XXXX
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I did not receive the {$400.00} business account opening bonus at 5/3 bank, even though the terms were met. The terms of the bonus promotion were to deposit at least {$5000.00} and maintain an average balance of {$5000.00} for 60 days, while performing 5 debit card transactions - which was successfully accomplished. 

To provide some background : The account was opened via phone and the promotion information was relayed to me by the baker on account opening, who suggested I deposit {$5000.00} to ensure the {$5000.00} average is met. Once the welcome packet ( containing my account information ) was received - the {$5000.00} was deposited at my local branch. In the 60 days since deposit - the XXXX average balance was maintained, in addition to performing 5 debit transactions. The proof is readily available by looking at the account statements.
Consumer complaint received 2023-06-20
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. (IL)

To whom it may concern I XXXX XXXX XXXX write this complaint for the second time. EXPERIAN is still reporting inaccurate information on my credit report. I sent a personal information dispute letter on XX/XX/2023 via certified mail and made several attempts to call in correct my personal information. I was told it will be fixed within 24/48hours of calling Experian as I looked at my credit report on XX/XX/23 nothing have changed. This make three months my information is still reporting inaccurate. I sent a copy of my ID identification card showing my correct spelling of my name and a utility bill for proof of residency showing my correct address. My name show be reporting as XXXX XXXX XXXX not XXXX XXXX. My should be XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX no EMPLOYER show be lost as asked in my personal dispute letter.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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 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.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

Chase has been sending email messages in relation to a XXXX XXXX Rewards program since XX/XX/XXXX. None have been clicked on or interacted with, these were only forwarded to XXXX, eventually resulting in an automated message with instructions to contact the bank. The CHASE branch visited on XX/XX/XXXX is the XXXX located in XXXX XXXX XXXX XXXX. XXXX XXXX, Texas. The manager that day did not see any accounts under my name or social security ; She said it might have been a phishing email and not to reply to it ( which I never did ). I kept getting emails related to a credit card account that was on its way. 

The unsolicited XXXX XXXX XXXX Credit Card from the emails arrived physically via mail on XX/XX/XXXX. I went to the same CHASE branch again, with the card in hand. The door clerk was referring me to XXXX XXXX as the steward and emitter of the credit card. After several questions to the clerks, the manager, who was able to look into her computer and confirmed the account existed with CHASE, and that it was already flagged as fraud. The Manager put me on the phone with someone from the CHASE credit card services who informed me that the account would be closed, and that all information needed to confirm the closure would arrive via mail. 

A confirmation of the accounts closure arrived in the mail, but only the typical one a common customer would get. There was no information from their fraud department or procedures for someone without proper access, like me. On the XXXX they included this account on my credit report as closed, which resulted in getting credit score deprecated XXXX points. Since this account was closed for being fraudulent, I believe the reduction of my credit score is unjust. 

To this day it says there was a promotional inquiry made to my credit by JPMORGAN on XX/XX/XXXX, and I still cant believe they were able to open an unsolicited credit card with just that. An Identity theft report was made with the Federal Trade Commission on XX/XX/XXXX. I was never given any information or help from their XXXX XXXX, and I even received another letter informing me that a duplicate application was submitted to them. I would like this CHASE account to remain closed, deleted, be taken off my credit report and for my score to be renewed as it was before their inquiry ; I was never a willing customer of theirs.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

MADE PAY TO DELETE ARRANGEMENT WITH XXXX XXXX. ACCOUNT IS CLOSED AND PAID OFF. BURUEA DOES NOT UPDATE THE REPORT. LETTER IS NOTARIZED AND SENT CERTIFIED MAIL FOR COURT PROCEEDINGS.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-21
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. (TX)

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Io, Inc. (TX)

Said company reported an unauthorized balance of collections onto my credit report. I have never heard of or signed up for any services from said company and on the day I received notification I immediately disputed. Two of three major bureaus removed the file from my report but the company is still reporting said balance to one of the three and refuses to remove no matter my attempt.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (TX)

Discover is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Discover sent me back statements concerning this account in response to my letter requesting validation of debt which does not prove that this account is mine or belongs to me. A statement is not proof of debt. I have not received any documents with contract and signatures legally binding me to this debt. 

Furthermore, isn't Discover the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how is Discover able to validate this account? 

I am demanding that this account is deleted from my reports.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Ocwen Loan Servicing is attempting to sell XXXX XXXX 's property at foreclosure sale despite the fact that Ocwen has not followed proper loss mitigation procedures. Ocwen has failed to send the Post Foreclosure Referral Notice required by Regulation X, 12 C.F.R. 1024.39 ( b ). Ocwen also failed to make the live contact required by Regulation X, 12 C.F.R. 1024.39 ( a ).
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: Bread Financial Holdings, Inc. (FL)

The Bank and the credit report agencies are INACCURATELY REPORTING the following account : COMENITYCAPITALBANK/ULTA # 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent account being opened in my name without my knowledge. While the creditor has acknowledged this account as fraudulent and agreed to remove it from my credit report, I have noticed that your bureau continues to report it, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. I need this account DELETED from my file : XXXX XXXX