davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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: EQUIFAX, INC. (CA)

I was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my credit.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (HI)

The loan servicer didn't appropriate a timeline for when refunds will be handled, told me till XXXX. And I was giving no updates or tracking info about the refund status. I reached out but no answer.
Consumer complaint received 2023-09-13
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one checking Account was denied. No reason supplied. Requested information from XXXX XXXX XXXX, but account was denied by Capital One, which owns XXXX XXXX XXXX 

I have never had an account in bad standing. The only issue is opening accounts and possibly closing them. Never a late fee or overdraft ever If a company can OWN a consumer reporting company, that means monopoly. There needs to be a third party recommending the reasons.
Consumer complaint received 2023-09-13
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. (LA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-13
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. (CA)

Ability recovery services is reporting a debt from XXXXXXXX XXXX. I have never attended or provided any information to either company. Ability recover last responded that they couldnt located the account but when I disputed the account from my credit they stated they verified it. Ability recovery services cant provide an application, or any information related to this alleged debt and neither can XXXX XXXX. They literally are just trying to collect a fraudulent and fake debt that doesnt even exist. This is clearly a violation of FCRA.
Consumer complaint received 2023-09-13
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 have a fraudulent account on my credit report that need to be removed XXXX - XXXX XXXXXXXX XXXX XXXX date opened. I sent in a letter for deletion about this account and no response from XXXX. Next my other concern is inaccurate reporting too XXXX, XXXX, and Experian by XXXX XXXXXXXX XXXX and XXXX XXXXXXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.
Consumer complaint received 2023-03-22
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)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-09-13
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. (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-03-22
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Google Compare Credit Cards Inc. (AL)

So I went to my local XXXX  retail store to buy 4 gift cards all costing {$100.00} each and then after purchased them ( with cash ) I went back to my car and I try to redeem them and got the following message " we need more info to redeem your gift card. '' send us detail '' so I click thr hyper link which took me to a Google page to Help center to explain my case about the gift card not letting me redeem them. I had to submit evidence like receipt, and gift cards info, which I fully did but 2 day later they sent me back a auto type robot denied for appeal letter. So now I have google specialist trying to escalate it but I can clearing see where this is going. Please help!
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I filed a CFPB complaint against EXPERIAN because they would not dispute an account as fraud. I was provided this Case # XXXX and on XXXX I was provided this response from EXPERIAN stating that they will dispute the XXXX account. " Thank you for submitting your dispute on XX/XX/2023, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We are transferring your concerns to our Experian dispute center. Upon completion of the reinvestigation, a notification of the results will be sent to you for review. The reinvestigation can take up to thirty days. '' I called EXPERIAN today and spoke with XXXX in the Special Services Dept. He said he sees the CFPB response and request to dispute the XXXX account as fraud, but he is unable to and it would have to be an internal department. 

I am completely flabbergasted. I explained that EXPERIAN directly mentioned that the account would be disputed again as fraud but nothing was done and he told me that he doesn't have the ability to do it and if I disagree, my next step should be hiring an Attorney. 

This fraud that I am dealing with has already cost my credit, my time and money ... and now I am told I need to pay for an Attorney? I can't even express how upset I am about this.
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (FL)

XXXX XXXX XXXX have been contacting me about a past due debt. A representative contacted me in XX/XX/2023 requesting the debt to be paid, I told them I did not know what this debt was for and requested a debt validation letter. The rep gave me the web address to the pay screen where there was no contact information on it. When I continued to question the rep about the debt in question and a signed contract, she stated that they do not have that and that they are not the holders of the debt. I stated that I was not comfortable giving an unknown company my money when they can not provide information on what the debt was for and the fact that she stated that they do not own the debt. This appears to be a scam.
Consumer complaint received 2024-03-13
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. (OH)

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX Experian XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My XXXX certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MN)

I have maintained perfect payment history with this credit card company, my XXXX XXXX through Comenity Capital Bank, since XXXX. 

I have tried to keep my credit usage under the recommended 30 % of my outstanding available credit and in so doing this is one of the cards I have not used as it is at a higher rate than some of my others. But I certainly felt secure and appreciated that this card with a built up {$7500.00} credit limit, which offers me resources anywhere, was in my wallet. 

Upon receiving a letter from them a couple weeks ago that said they intended to close my account if I did not use it by XXXX, I attempted to begin using the card. It was declined. While this was humiliating for me, the worst was yet to come. 

When calling them for an explanation they said they had information that my credit situation had changed significantly. I do not believe this to be the case but I was told if I wanted to keep using this card a credit report would need to be pulled. Knowing that a XXXX inquiry will lower my score I very reluctantly authorized them to pull my credit, they gave me no choice- it was either that or they were going to close it in XXXX anyway since they are preventing me the ability to meet their condition for keeping it open ; to use it. To my horror and disbelief the Representative said my request to remove the " freeze '' was declined and I now had no available credit. I don't understand, when I have absolutely no late payments to them, or any of my creditors, ever- and I am currently at using only 27 % of my overall available credit and my household income more than supports my outstanding debt- HOW could they punish me like this!? I have kept my end of the terms to the credit agreement and I have only improved as a credit using consumer in the four years since I took out their card. 

My reward for being a responsible customer after 4 years is to be selected for this new procedure in which the credit card company gets to pluck you out of the blue- lower your score by doing an inquiry and then reduces your score even further when they close your account. Ask why and they say " talk to the credit reporting agency ''. Well- its not the credit reporting agency who has just revoked a {$7500.00} credit card and I KNOW they wont be able to tell me why XXXX Comenity did it either so that's lame. For doing nothing wrong, for doing everything right- this company has just injured me by reducing my bowering power and increasing the rate at which I would qualify if approved for credit. This is just absolutely lousy that by doing this they can hinder or even disqualify consumers from credit eligibility. I ... .did ... ..nothing...... wrong. There should be no reason for them to hinder my credit eligibility through their new method of " credit recall '' and account closure, if THEY choose to do it.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Hello, I am XXXX XXXX. I spoke with XXXX today and this is a continuation of complaint number XXXX. I called Capital One on XX/XX/2023 in regards to the status of the account ending in XXXX and was told that the missing check in the amount of {$110.00} was found in XXXX. I asked why it and the late fees and interest fees had not been posted to my account and was told by XXXX that she would credit it to my account while I was on hold. I received the statement from XX/XX/2023 showing the payment of {$110.00} was made and the amount ( {$76.00} ) of the late and interest fees were cleared but a new amount of {$100.00} was added to the account. There shouldn't be a balance on the account because I haven't used it at all! Please HELP!!
Consumer complaint received 2023-11-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Nelnet, Inc. (MA)

Hello, I took out a personal loan with firstmark in the amount of {$29000.00}. When I ran into some financial difficulty, I contacted the company and was directed to go to XXXX XXXX XXXX I told Firstmark I didn't take out a student loan, so I was unable to complete this form to request help. They told me the personal loan I took out was actually a student loan. 

I am wondering how it could be legal for a company to claim that the loan they gave me was a student loan, not a personal loan. I haven't been in school since XXXX. I wasn't asked for, nor did I provide, any information ( name of school/graduation date/etc ), so I don't know how this is considered a student loan. Was I given this loan under false pretenses, and if so, is it still binding? I was able to secure a 3 month forbearance on the loan, but I'm now questioning the whole thing. 

I'm not sure the company will give me a straight answer, since I questioned them and was just told " this is a student loan ''. 

Please let me know if this is legal, and if not, what are my options. 

Thank you so much, XXXX XXXX
Consumer complaint received 2023-08-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (AZ)

Hello. About 2 years ago I took out a payday loan. They sent me to collections and it went to ; CENTRAL PORTFOLIO CONTROL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ) XXXX We settled for less the amount due on XX/XX/XXXX. And I was to make 2 payments of XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I paid them off and they have yet to send me proof that is paid. I have tried calling them and they keep sending letter in mail but it never gets there. They also still have a balance like I havent paid off the collection. And on top of that they havent removed the lien from my vehicle. I dont know what to do anymore I have already paid them. 

They keep giving me the run around and the lien hasnt been removed from my vehicle I have attached below the balance that I owe and what I have paid already. Even tho it was settle for less than amount due.