davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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: ACIMA CREDIT, LLC (GA)

XXXX XXXX XXXX {$880.00} My social security number has been compromised and used as collateral BY XXXX XXXX XXXX and XXXX XXXX Please help me by deleting any negative items off my credit In accordance with the FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

There was an auto payment setup by a XXXX agent which did not process therefore causing a payment to be missed. They reported to the credit agency that the payment was late even though it was a technical error on made by them in setting up the auto-pay.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (IL)

On  XXXX   XXXX , 2017, I contacted   XXXX   in reference to {$200.00} collection debt that is placed on my credit report. The amount was  XXXX  out by  XXXX . I contacted   XXXX   XXXX   XXXX   .  on  XXXX   XXXX , 2017 and spoke with   XXXX   XXXX   XXXX   to have the negative entry removed from all  XXXX  credit bureaus.   XXXX   XXXX   XXXX   asked me to email him proof of the returned equipment and he was going to rectify the problem, No change was done. I sent another email on   XXXX     XXXX , 2017 and received no response.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-12
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. (GA)

I contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.
Consumer complaint received 2024-02-29
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. (KY)

XXXX XXXX XXXX has illegally reported information to other credit reporters as well. According to 15 U.S. Code 1681a. I did not give written consent or any consent for that matter for it to be reported to all credit bureaus. I did not sign anything knowingly or willing for my personal information to be shared with any credit bureau.This inaccurate report is very much so illegal as stated in the U.S. Code 1681a above. This needs to be resolved immediately or i will be forced to take legal action against these companies. I would kindly appreciate if this could be handled in a timely manner and appreciate your understanding.
Consumer complaint received 2023-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

hi there - I needed to apply for a background check and wanted to make sure that everything is good on the three credit reporting agencies. I went to XXXX and was unable to download my reports. 

Since I needed the reports I went to experian and created an account with them. Surprisingly these credit reporting companies are more than happy to provide all the information on their website. 

I signed up for their trial and after that now I am bombarded with emails. I want to cancel the account. I tried calling experian number provided- XXXX multiple times and can not get a live person at all. 

Please help in escalating and making sure that they cancel the account. I went into my account and all I can see is sign up for their service. No way to sever ties with them. This is unfortunate and should not be allowed.
Consumer complaint received 2020-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: STERLING JEWELERS, INC. (MN)

Kay Jewelers assigned a company to collect money on their behalf. I find it very shocking since I had my wages garnished from Kay Jewelers in 2016. For the past month, my life has been a living XXXX. My elderly mother is getting calls daily, my ex wife of 20 years ago is getting abusive phone calls. Also, my uncle is getting abusive and harassing phone calls, not to mention my current wife is getting the same calls as well. The last straw is when my current in laws or now getting harassing phone calls!!!
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Screening Reports Inc. (TN)

I disputed the information on my credit report with the credit reporting bureau and the information was removed from my credit reports. But when I applied for an apartment the company Screening Reports INC. is performing a search and is reporting information removed from the credit report and none judgement cases to prospective landlords, and my applications for an apartment rental is coming back rejected. I have spoken with ( XXXX ) young lady that handles the depute and informed her that the information was not accurate and asked that it be removed from their system and she refused to do so, I explained to XXXX that no judgement was taken against me on either case. Both attempts to dispute this information with XXXX was unsuccessful ( she talks and you listen ).
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

From the beginning of my mortgage I have been paying my escrow directly, taxes and home owners insurance I have everything paid up today. Capital one sent me a letter about boring insurance for me ( very expensive ) I sent them a letter with proof of insurance bay fax and by mail. I thought the mistake was fixed, however when I try to make my mortgage payment in XX/XX/XXXX, I see that they have not fixed the problem and instead of charging me {$700.00} they charge me {$1200.00} ( includes escrow )
Consumer complaint received 2022-09-12
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Please remove/block the this account as they are fraudulent & was opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Opened : XX/XX/2017 Balance : {$10000.00}
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business CAPITAL ONE BANK USA NA is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between CAPITAL ONE BANK USA NA and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. XXXX XXXX.
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: EQUIFAX, INC. (WI)

I am currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Consumer complaint received 2023-02-12
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC1681 section 602 states I have the right to privacy.

It also states that a consumer reporting agency can not furnish and account without my permission.

15 USC 1668B : a creditor payment treat a late payment under an open end consumer credit profile as late for any purpose. 

XXXX XXXX XXXX has violated my consumer rights by adding late payments on XX/XX/2022 and XX/XX/2022.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I have paid Nordstrom a collection account which was determined to be removed and agreed to be removed. All 3 credit bureaus do not report correct scores correlating with each other. Incorrect scores. I am requesting for corrections to be made on each credit bureau that report the same accurate information.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies (TX)

I have made payments accurately and Prestige is reporting late or missing payments when I reached out they clarified that all payments were on time and that they reported accurately. The did deem it as a system error but still not have reflected the error on the credit reporting by updating the information so it does not show mission or late payments. However thats not the case and we reached out for them to fix but no response. I would like this updated or financial compensation for credit reporting damages on my good credit. The reporting shows for late payments XXXX for XXXX XXXX and XXXX, and late payments in XXXX for XXXX. My account number in reference is XXXX for Prestige. I would like an accurate reporting.
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: EQUIFAX, INC. (GA)

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.

t 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 XXXX om Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENER to subsection ( c ) any consumer reporting agency may furnish a consumer report unc following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT consumer to whom it relates. XXXX gave any consumer reporting agency WRITTEN CO NT 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 2023-02-13
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX
Consumer complaint received 2023-09-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I have received targeted promotion to open a checking and savings accounts with Citizens Bank NA ( attached ) and get {$300.00} bonus on both if I follow the rules which I did. See account transactions for reference. Since never got the bonus, I have contacted the bank and case was opened to investigate the issue ( see attached ). The reply was that I didn't qualify for bonus since I was withdrawing my direct deposits from my checking and checking account closes after 10 days if {$0.00} value. I get my salary every two weeks and if checking account is closing after 10 days of zero balance it makes it unreasonable. 
Regardless of checking account promotion, I also never got my {$300.00} for savings account where I have tied up {$15000.00} for more than 3 months with virtually zero interest instead of getting market 4.3 % APR in other banks. There is no dispute that I followed all the terms of the offer for savings bonus, see all the transactions attached. 
This dishonest behavior engineered to make people deposit and hold substantial amounts of money with 0 % interests rates while not providing them promised payout. I hope you can address this unethical and probably illegal way of conducting business.
Consumer complaint received 2024-02-29
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)

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.

and list of Inquiries.

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 2017-11-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I received an offer from Capital One to open a checking and money market account to receive a {$400.00} bonus ten weeks after completing the conditions ( see attachment ). 

Due to fraud alerts on my credit reports, I was unable to open the accounts online. On XX/XX/XXXX around XXXX central time, I went to the Capital One Banking Branch located in XXXX, Texas and opened the checking and money market accounts with the Bonus Offer Coupon. The Capital One Banking Representative called over her manager to input the code offer into the computer and I was told that I would automatically receive the {$400.00} deposited into my account within 10 weeks as stated on the Bonus Offer. One week after opening the account, I went to the Capital One website and printed a description of the Bonus Offer ( see attachment ). 

After completing the stipulations of the Bonus Offer, I waited patiently week after week but never received the {$400.00} Bonus. Finally, on XX/XX/XXXXaround XXXX central time, I called Capital One at XXXX and spoke with a representative named XXXX. After explaining my concerns to this representative, I was transferred to a manager named XXXX. This Capital One Manager stated that the Capital One representatives at the Branch misspoke and that the offer was only targeted to certain individuals. XXXX offered me a {$100.00} consolation, which I refused. I stated that I would be escalating this as appropriate since there was no supervisor above him that I could speak to. The phone call lasted 18 minutes.
Consumer complaint received 2017-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MD)

I opened an account under the name of XXXX and billed to XXXX XXXX. After calling for 3 months and being told the account was not open I said I had already received the chairs I ordered. Two months later I receive I bill and tried to make a payment online. Unable to do so I called and was told no account was opened. After speaking with a supervisor I tried to make payment and was told to wait. I received a second bill for over {$800.00} dollars with late fees, and interest added. I called and was told I can close the account now since the account shows processed and account was closed after paying {$750.00} dollars. I am now once again receiving bills stating " close accounts still earn interest '' and I now owe late fees and interest. I have had this problem with this bank before same problem and believe this bank should now be declare a class action law suite because of their continued billing the consumer with late fees and charges on closed accounts. Because of the continued abuse of power from this bank I would like to see my credit status corrected and all fees and interest charged off. This bank is blatantly refusing to be handle accountable to anyone and look forward to working with your office to see what can be done to help the consumer not be taken advantage of by banks such as XXXX.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (LA)

Upon checking my credit file Ive noticed a company named Franklin Collection Svcs Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from Franklin collection Svcs to be removed from my credit file.
Consumer complaint received 2022-11-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, and I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights. 

Certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax