davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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. (CT)

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 corrected 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 XXXX XXXX XXXX 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 2023-11-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It has just came to my attention that there are multiple hard inquiries on my credit report. I see that the inquirys are not done by me. Ive never applied for any of those. I tried to contact XXXX, XXXX and XXXX on XX/XX/2022 via mail. No one ever got back to me and the hard inquiries are still there on my credit report.
Consumer complaint received 2020-07-27
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2023-10-06
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: WELLS FARGO & COMPANY (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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

They are reporting inquiries on my credit report that I DO NOT recall. Please provide me with documentation and proof I applied for credit with these creditors. If you can not provide such documentation, then please remove all these inquiries from my credit file immediately. Also there are alot of accounts that are being reported incorrectly. These accounts are showing past due and or charge-off/closed accounts. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report and please provide me with a new credit report reflecting these accounts removed upon completion. LAW 15 U.S.code 1666 correction of filling error and LAW 15 USC 16816 Permissible proof of consumer report.
Consumer complaint received 2023-10-06
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: JPMORGAN CHASE & CO. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. JPMCB AUTO XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-06
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. (SC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-10-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

Comenity manages card accounts for Express, Ann Taylor, XXXX and Ulta where I sometimes shop. In all cases, except for Express, I stopped using the card due to endless problems with wrong balances, inconsistencies and accessing portals etc to make a payment. I have not had a bill by email or mail since XXXX XXXX 

XXXX  Tried to make a store purchase in XXXXXXXX XXXX was told problem with account, Went online to see the balance of XXXX accrued late fees of XXXXXXXX XXXX XXXXXXXX {$90.00} Sent an email-had a generic response back with no ability to discuss or make sense of balance and charges or if they were made by me? 

XXXX Unable to get through by phone to discuss this, told lines having problems. 

XX/XX/XXXX Finally received a correspondence from Comenity saying my credit limit for Express and AnnTaylor was lowered. 

XXXX  Credit bureaus lowered my score significantly Their phone lines are not working
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

today i logged into my credit file to see XXXX XXXX XXXX is reporting a debt of {$750.00} to credit reporting bureaus, i have never done business, signed any contract or documents with XXXX XXXX XXXX  or anyone they are collecting for, I do not wish to contract or do business with XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OPORTUN FINANCIAL CORPORATION (TX)

On or around XX/XX/2021 Oportun ( Lender XXXX ) opened a credit card in my name without my permission. I have extended fraud alerts on my credit files, with all credit bureaus which specifically state that all information before an application is approved, must be verified by ME first before approving the application. This a fraud victim statement and my phone number is listed on the statement. Oportun chose to ignore that and instead went ahead and opened the account. I never signed any documents and I did not receive any credit cards. Nor did I ever make any purchases on this account because again I never received any cards. I tried to retrieve the login information based on what Oportun gave me, and I can not login. Nor can I retrieve the credentials because it is tied for a fraudulent email address ( XXXX ) and a Fraudulent phone number that ends in XXXX. Which again, Oportun stated they verified, and that phone number is not my phone number, nor is that what is listed on my credit files either. Oportun allowed payments to this account from a bank account that has been closed due to identity fraud, I never owned that bank account either and it was closed immediately. I am a victim of identity theft, and Oportun believes it's in their best interest to charge me for something I did not authorize. Nor did I approve said account, or any charges for that matter. Oportun shows a balance of {$730.00} and a limit of {$450.00} as charged off. This is false because again, I never applied for this account nor did I make any transactions on this account, and Oportun DID NOT verify my information clearly since I can not retrieve the credentials, and It's tied to information that doesn't match mine. Oportun was sent a FTC Report which is a valid LAW ENFORCEMENT IDENTITY THEFT AFFIDAVIT, but again Oportun refuses to assist because I did not complete their own Identity Theft Affidavit Allegedly. Again, I have a ID Theft Affidavit already and I attached it to this complaint. I want this corrected.
Consumer complaint received 2023-10-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FinanceCo of Kansas, Inc (KS)

Communicated Everytime I had uncomfortable payment delays and late fees/payments met each promise I made. Around XX/XX/XXXX I gave a one time only verbal communication for XXXX lies to speak with my neighbor, and then I received a letter dated XX/XX/XXXX stating I wished for a voluntary repossession which is inaccurate I never requested they reposess my vehicle. I received 2 letters from XXXX XXXX after they repossessed my vehicle stating they had somebody interested in purchasing my car auctions depleted willing to make an aggressive offer. I followed up with XXXX XXXX and spoke with a guy named XXXX they knew nothing about my car being picked up told me that finance Co can discuss with him on the buyer. I never received any offer the second letter said I was to review and options to find another vehicle XXXX XXXX never responded to my email asking about the details nor has finance Co responded. Instead keep adding derogatory delinquent payments to my credit.
Consumer complaint received 2023-04-26
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

BANK XXXX XXXX XXXX Date opened XXXX XXXX, 2017 Balance {$9400.00}
Consumer complaint received 2022-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

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

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 purpose.

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 1681 Section 602 States I have the right to privacy.
Consumer complaint received 2023-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (NY)

company name XXXX- is trying to collect monies for service we did not sign up for- we have expressed this to XXXX as well as the multiple collection agencies they have sent towards us. we keep asking for a contract or any signed agreement from them, however - there is none since we have never signed up for one. This company XXXX is relentless in collecting for debt we do not owe, this issue is going on since 2019 and needs to stop. They have threatened us many times saying we will be reported to multiple credit agencies- ruining our credit with banks hurting our lines of credit - this needs to stop. Show us a contract or any agreement from XXXX and our company and we will be glad to pay it. 

i am reporting XXXX - as they are the ones sending collection agencies to call us XXXX all we have been provided with is invoices - but no contract - no agreement- we are asking for a signed agreement showing us we signed up for there service which there is none.
Consumer complaint received 2023-10-06
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-03
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)

I am filing a complaint for the new collection that appeared on my credit report. The original creditor on this new collection is the same as the creditor on my previous collection, which was removed in XX/XX/2023. The previous collection was verified as inaccurate and invalid, so it's been removed. 

Last week, I received an alert about the new collection on my credit report but was not properly notified by the creditor or collection agency. I believe this is an illegal reinsertion and should be deleted from my credit report. 

In addition, I also found an inaccurate late payment to one of my accounts. I believe the late payment was caused by a system error as I set it up with my auto-pay account.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (DE)

National Credit Systems sent me a letter in XX/XX/2023 stating that I owed XXXX XXXX XXXX XXXX. I contacted the agency to dispute the charges and was told that I would receive an email on instructions to provide documentation. I received the email two weeks later and the agency reported the debt to the credit bureaus although I was disputing. I have provided documentation to show that the debt is invalid and they still have not notified the credit bureaus that I am disputing the debt or removed it.
Consumer complaint received 2023-10-06
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. (TX)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer. 

I still never gave them no written content to furnish these fraudulent inquiries/inaccurate accounts/late payments. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. 

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 uSc 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.