davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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: FinCo Services Inc DBA Current (IN)

upon checking my credit report I realized I had damages on there. And according to the 15 U.S.C 1681 law there should not be any damages on my report its a defamation to my character.

This company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the agreement to show full ownership of such account and also other documents so that I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Receivable Management Services LLC (PA)

I have never authorized any of this misleading information to be placed on my credit report. Also spoke to both Progressive and receivable management and they both are declaring they did not get any authorization from any authorized user to project any of this Information to the credit bureaus.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Relay Financial (US), Corp. (FL)

On XX/XX/2023, I transferred {$46000.00} from my Relay Financial Account to XXXX XXXX ; this transfer was conducted in good faith and involved the legitimate funds of my business. The wire transfer was executed between accounts under the same business, from XXXX XXXX XXXX at Relay Financial to XXXX XXXX XXXX At XXXX. 

On XX/XX/2023, I received a message from XXXXXXXX XXXX  stating that Relay Financial requested a wire recall. These funds rightfully belong to my business, and as the owner, I have the right to change bank institutions and transfer funds between accounts owned by my business. Therefore, I request that Relay Financial cease the wire recall.

I have called Relay Financial countless times, sent emails, and filed a formal complaint with the bank ; but it has been over 3 months and I have not received an answer about this issue.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (MO)

I received a letter from Comenity Bank requesting me to call them to finish processing a Kay XXXX credit card account application that I did not initiate. The letter is dated XX/XX/2022. My name is spelled incorrectly on the letter. 

I did not make any attempts to process a credit application with Kay XXXX nor have I at any time. I did not apply for any new credit accounts with Comenity Bank although I have in the past and do have existing active Comenity accounts. I have not attempted to open any new credit accounts with any bank or creditor within the past 3 months. 

This is the second notification I have received about an attempt to open a credit account in my name in XX/XX/2022. The first was reported to me by XXXX XXXX. They notified me that there was a new hard inquiry on my XXXX account from XXXX on XX/XX/2022. I contacted XXXX the following morning and put a freeze on my credit. I also reported this inquiry to the FTC on the morning of XX/XX/2022. 

The letter from Comenity Bank arrived at my house in the mail this week. The letter is dated XX/XX/2022. I have not seen any new accounts on my credit report. I am checking it daily. I have only seen the new hard inquiry from XXXX which I would like to be removed from my credit report as it is a fraudulent inquiry.
Consumer complaint received 2023-09-28
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. (MO)

On XXXX XX/XX/2023 I mailed two letters to experian. 

The first had a dispute of a credit account that had been misreported, along with documentation and a paper with a copy of my driver 's license and social security and, front and back. I received an email on XXXX XXXX stating that they could not verify my identity and would not process the dispute. 

The second was a letter disputing accuracy of an account. This one included a photocopy of my driver 's license and social security card, front and back. I received an email on XXXX XXXX staying they could not verify my identity and would no process the dispute. 

I called experian and they ( XXXX ) told me they didn't have my first dispute and the second one only had the letter without my identity documents. I asked to speak to a supervisor who I spoke to on XXXX XXXX who stated that they received only the one letter and no identification documents or supporting documents. I asked for accountability of my identity documents. She refused to acknowledge receiving them and refused to help me get in contact with the office responsible for receiving my letters. 

Either they lost my identification documents or they are using a stall tactic to delay processing my disputes. I want my identity documents accounted for and I want my original disputes investigated.
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Comenity bank thinks its ok to charge a XXXX fee to mail a bill, I do not check email often and I should not be required to do so in order to pay my bill that was not set forth in the original agreement with the credit card companies and I refuse to allow them to charge me I have multiple accounts with them. I want my paper statements.
Consumer complaint received 2022-12-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

When I assumed my loan XXXX, my escrow payment including all insurance and taxes was {$330.00}. After receiving a one time real estate supplemental tax bill that PNC stated they would pay on my behalf in the amount of {$1100.00} my projected escrow payment increased to {$630.00}. This amount is erroneous because my annual taxes did not increase nor did my insurance to justify an increase of an estimated XXXX monthly. When I spoken to three customer services representatives ; they stated someone incorrectly entered my annual taxes to reflect {$7400.00} annually. My annual taxes are {$2000.00} and my insurance is approximately {$600.00}. They stated they was going to complete a second escrow analysis and correct the taxes on XX/XX/2022 ; after completion of the analysis the issue was still not fixed after sending them my real estate tax bill from the county verifying my tax bill annual about. This is creating a financial hardship from someones oversight and errors inputting my tax amounts.
Consumer complaint received 2022-12-11
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. (NV)

Re : Reinvestigation and NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH THE INTENT TO SUE FOR DEFAMATION. 
The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. Because of your data breaches, along with your inaccurate incomplete reporting of my nonpublic personal information, you have FAILED in your obligations to protect me as a consumer/natural person. 
You say that you verified these negative inaccurate items that are still listed on my consumer report. I want to know HOW were they verified? What was the method and or process of your re-investigation? 
Who did you speak with? 
What is their job title and/or position within the company? 
What is the address where they are located? 
What is their direct phone number? 
Where is the actual updated report that they sent you along with the accounting ledgers and original contracts?
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
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. (PA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope and pray you guys dont close out this complaint and take the time to actually pay attention to what I've written. This is in reference to Experians lack of investigation skills. This account with XXXX  XXXX was removed from my Experian report in XX/XX/2022. Experian illegally reinserted the account # XXXX. I reached out to the XXXX  and Experian advised them per XXXX XXXX they would investigate this matter. However, I have never receive any reply from the investigation. Im asking for CFPB to look into this and not allow the system to just close out my account.
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 — Information belongs to someone else
Company: PNC Bank N.A. (CA)

Im tired of this happening to me I need this to stop Im tired of taking my time to always keep doing this trying to fix my credit. I found a hard inquiry on XXXX on my chase credit journey report from Pnc bank.
Consumer complaint received 2023-01-04
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. (NY)

XXXX  XXXX is in direct violation of multiple FCRA Laws while reporting/furnishing incorrect and inaccurate data to my credit report. 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 2023-08-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1980 RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX XXXX Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. 
Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX  Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (NV)

I did get a loan from XXXX XXXX in XX/XX/XXXX of XXXX. That hard inquiry is valid, however the other two from XX/XX/XXXX and XX/XX/XXXX of XXXX are not. 
I did get a loan from XXXX on XX/XX/XXXX of XXXX and did pay it off, but the hard inquiry from XX/XX/XXXX is not one I made. 
XXXX XXXX hard inquiry is not XXXX I made. 
The XXXX hard inquires on XX/XX/XXXX and XX/XX/XXXX are not ones I made. 
The XXXX XXXX XXXX XXXX hard inquiry from XXXX XXXX is not one I made. 
The XXXX XXXX XXXX XXXX from XX/XX/XXXX hard inquiry is not one I made. 
The XXXX XXXX from XX/XX/XXXX is not one I made.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I contacted Equifax after getting my latest credit report from them on XX/XX/XXXX. The credit report are missing accounts that my creditor has submitted Equifax to add to my report. The two remaining Credit Bureaus are reporting the accounts accurately. 

The accounts are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX These accounts starting reportiong on XXXX and XXXX XX/XX/XXXX
Consumer complaint received 2023-11-09
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. (NC)

I requested the following accounts to be investigated on my credit reports for accuracy and validationXXXX XXXX XXXX XXXX XXXX. These accounts have several errors and need to be deleted under the FCRA Laws requiring accurate reporting by all the bureaus and companies reporting this information. As you can see in the attached documents all the data that is not reporting accurately according to the FCRA and the FDCPA.
Consumer complaint received 2023-09-28
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. (TX)

In according with the fair Credit Reporting Act XXXX Account # 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 furbish an account without my written instructions.
Consumer complaint received 2023-08-28
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: CAINE & WEINER COMPANY, INC. (FL)

There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( 1 ) XXXX XXXXXXXX ... hard inquiry on XX/XX/2023 ( 2 ) XXXX XXXX ... hard inquiry on XX/XX/2023 There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (PA)

I purchased a XXXX XXXX for which I received a loan from Global Lending Services ( GLS ). They claim to have a web site and I have made numerous attempts to set up the online account but I have been unable to. My email address shows that the account has been created and I have made numerous attempts to reset the password but when I do so, I do not receive a password reset link ; I receive a link that requires that I enter my password, which is the source of the problem. I have contacted the company and I receive overseas representatives who do not understand the problem and force me to continously reset the password to the same result. When I did finally receive a representative who appeared to be within the United States, they were supposed to escalate the problem to the IT department and the IT department was supposed to resolve the issue and provide me with information as to how I may access my account. GLS does not allow customers to communicate directly with their IT department which leads me to believe that they don't actually have one. If I can't access my account, I can't determine how my payments are being applied, I can't keep track of the outstanding balance, nor can I confirm what the interest is. The hard copies of the bill only provide the current payment due and the " payoff '' information. I have attached a file showing where the " password '' reset link takes me when I try to reset the password. 

In addition, I am in the state of XXXX wherein I have a XXXX XXXX grace period to make payments. I receive my checks on the very last day of the month and the payment is due on the XXXX, which is within a day or so of when I am paid. However, XXXX will immediately begin collection attempts for late payments on the XXXX.