davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}
Consumer complaint received 2023-05-09
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit reporting act XXXX, comenity capital bank XXXX XXXX XXXX XXXX with account # XXXX as a result they have violated my rights with the laws stated herein. 

15 U.S.C 1681 SECTION 1 602 A. States I have a right to Privacy 15 U.S.C 1681 604 A. SECTION 2 It states a consumer agency can not furnish an account without my written consent / instruction ( s ).

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as Late for any reason.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TN)

XXXX AND EQUIFAX IS CONTINING TO REPORT UNVERIFED INFORMANTION ON MY CONUSMER REPORT. XXXX AND EQUIFAX NEVER HAD MY PERMISSION TO PLACE XXXX XXXX XXXX ON MY CONSUMER REPORT. I SENT XXXX A DISPUTE LETTER AND A CEASE AND DESIST LETTER. I HAVE NEVER DID ANY BUSINESS WITH XXXX  AND HAS NEVER SIGNED ANY CONTRACTS. I NEVER GAVE XXXX PERMISSION TO HAVE MY PERSONAL INFORMATION... EVEN WHEN IN DISPUTE, XXXX  NEVER REMOVED THE COLLECTION ..NEVER PROVED THAT THE DEBT WAS OWED TO XXXX. XXXX XXXX HAS NEVER DID BUSINESS WITH XXXX XXXX XXXX. NEVER SIGNED ANY AGREEMENT WITH XXXX BUT YET THEY HAVE VIOLATED MY PRIVACY BY HAVING MY INFORMATION..EQUIFAX AND XXXX HAS ALSO VIOLATED MY CONSUMER RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT. EQUIFAX AND XXXX USED UNAUTHORIZE INFORMATION TO CAUSE XXXX XXXX SUBSTANTIAL HARM AND INCONVENIENCE BY REPORTING FALSE INFORAMTION ON MY CONSUMER REPORT.
Consumer complaint received 2023-05-09
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. (SC)

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  The following two accounts have been paid prior to closure. There was no retrial of the case after it was dismissed by the court. I would like the case to be dismissed from my credit report and removed from my American Express account and updated as a renewal of the credit card. The arrears have been removed due to the completion of the case, and I have won the lawsuit.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid 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: Klarna AB (CA)

I brought a ticket thru klarma company who told me they a lender meaning we not responsable for any purchase the customer brought so I used klarma credit card which is the Chanel to buy ticket thru XXXX and that XXXX charge full amount of the ticket to klarna and klarma charge me some deposit in 4 payment so in XXXX XX/XX/23 I brought a ticket thru klarma used the credit card provide me the ticket {$310.00}. I had XXXX in the same day XXXX XXXX so I brought the ticket for my husband to be present into the XXXX XXXX XXXX to support me was my surprise he flight in the same day and supposed to arrive at XXXX XXXX from XXXX to XXXX ca so into 24 hour the agreement can cancel but I waited 4 hour to check in online but for the surprise not seat assignment only reservation so I call XXXX customer support explain them so XXXX explained me call XXXX XXXX I was waited Lis en music finally answered explain my situation my husband had and they let me know 2 hour before so I explain to customer services in XXXX XXXX I had emergency situation and I need verify the seat for my husband he explained me he can provide anything due the gate already had control of the flight so the csr explained me cant cancel either provide any seat assignment so my husband waited and waited and the flight departures and not seat only reservation but this is the funniest part CSR promised refund expect he full amount of the ticket and until today klarma sending me back for from XXXX thru XXXX airlines And forced me to pay for no service already explained to them a tones of emai screenshot and email what happened and now want me deal w the airline and wash there hand w the excuse they are the lender I explained myself too many CSR from klarna I not received no services only reservation but never take place to seat my husband still w excuse to saying they not responsable for the inconvenience and want me to call every day but now 7 weeks past want me charge. {$310.00} full amount without receiving any services so for the reason the credit card they wrong balance and dont want fixed the own mess after my husband not coming no service no seat force me excuse to said they not responsable for this mess and want me pay and still call XXXX who tell me call XXXX airline and them call klarma iam sick of this
Consumer complaint received 2023-05-09
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

According to Capital One they said that I have a cease and desist attached to my account ending in XXXX for a balance of XXXX I do not know who put the cease and desist attached to my account but I did not so to me this is fraud tampering with my account I called them to try to settle this account but they said they couldn't talk to me unless I removed the cease and desist off my account and in order to do that they would need to contact me through mail and phone I told them they can contact me through mail but not by phone and they said they couldnt help me unless i give them permission to contact me by phone and mail. I refused but they insisted so I hung up
Consumer complaint received 2018-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Duvera Billing Services, LLC (AZ)

On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX fraudulently obtained a loan at XXXX XXXX XXXX   and arranged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the purpose of repairing her car. After receiving a copy of the loan documents and seeing that my name was forged on the note I filed a Police report. The report along with an Affidavit of Fraud and copy of my ID were emailed to XXXX XXXX XXXX so that my name could be removed. They subsequently informed me that they had send a verification code to my cell phone which XXXX XXXX had been borrowing since hers was not working and she apparently also responded to the code. I had never consented to the loan and 2 days after the loan I discovered that XXXX XXXX had attempted to negotiate a personal check on my account and fraudulently signed by her for XXXX XXXX.A Police report was made on the check fraud which she admitted to police that she had done. She had been staying with us temporarily while waiting for a house was readied for her to move into. I had trusted her and she had access to everything in my home.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XXXX, I received emails stating an account was opened through Bank of America. I did not open this account. At the time I reached out, communicated with B of A that this was a result of fraud and was able to close the account. 

Here we are in XXXX and the same thing has occurred and I have received several emails stating an account was again opened with Bank of America.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

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 need to be investigated and updated from erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX XXXX XXXXXXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, 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 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 2023-04-13
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. (NY)

I have been calling and disputing this unauthorized fraudulent incorrect account. 
XXXX XXXX XXXX XX/XX/2022 Total {$660.00} I have stated multiple times I do not have a car. I do not drive. I do not own insurance or had to have insurance for any reason in the past 7 years. This account is fraudulent I did not open it I am not aware of this account. I do not own this account. This is identity theft and fraud. I also called liberty mutual to have this information removed as well. This is hurting my reputation and my livelihood.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the past two years, I've been in a constant battle with identity theft. When I applied for the XXXX unemployment, I figured I didn't qualify because I never received anything in the mail and for some reason my XXXX sign in wasn't working. 

I really didn't pay it no mind until I read an article about how XXXX XXXX was still paying out people who didn't receive their XXXX  during covid-19 and that it was possible that some people could qualify. I went to sign into my account and it was still locked out. Luckily I knew some of the questions that only I could remember but I had a hard time figuring those out as well. After the third try, I finally was given access to my account. The first thing I did was a change of address since I moved. When I started looking through my profile I was able to see claims of which I didn't file. I never received a debit card. Funds were being issued during the pua/ covid-19 season and I was having a hard time finding a job and could have used those funds to get by. 
I reached out to Bank Of America XXXX  in late XXXX and told them that I never received any XXXX payments because i never got a statement or a debit card for that matter. I made XXXX claim disputes XXXX claim # XXXX in the amount of {$3100.00} XXXX claim # XXXX in the amount of {$11000.00} XXXX claim # XXXX in the amount of {$590.00} XXXX claim # XXXX in the amount of XXXX I received letters from Bank of America on XX/XX/2022 denying all my claim disputes. 
How is that if I never got a debit card to begin with? I asked for Bank of America to send me their reason and proof for their decision. I haven't received nothing yet. 
It's clear that I was a victim of a nation wide scam and for some reason BofA makes people feel like they are at fault or the criminal. That's not fair to the consumers who have been targeted and taken advantage of. BofA has a XXXX liability policy for debit card users. Well I never received a debit card until 2 weeks ago and I'm still being punished. I just want what is owed to my daughter and It's with me being a Widowed parent.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NJ)

I was referred to a person by my friend, XXXX XXXX, who lives in Michigan, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as AMEX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of one to two weeks, the payments were reversed from my financial institutions. This is a fraud. AMEX shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with AMEX if they will just reverse the payments.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had a Bank of American account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with Bank of America. Bank of America updated the balance to paid with a XXXX balance on XXXX and XXXX. XXXX  did not update the balance to reflect this change so I sent a dispute to XXXX. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TN)

On XX/XX/2023, I sent Jefferson Capital Systems LLC a letter of debt validation under 15 USC 1692g for an alleged debt of the amount {$360.00}. I have the receipt where I sent it certified mail green return receipt. They received my letter sent to them on XX/XX/2023, at XXXXXXXX XXXX. They sent back the green return receipt, but failed to send me a response to prove that the debt belongs to me. They never sent me a model form b1 and parked an account with an alleged debt on my consumer report.
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I was referred to a person by my friend, XXXX XXXX, who lives in Michigan, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Citizens Bank, and XXXX XXXX XXXX. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of 15 days, a month, or one and a half months, the payments were reversed from my financial institutions. This is a fraud. Citizens Bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the Citizens Bank if they will just reverse the payments.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.