davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-20
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-03-15
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX ; Account XXXX, Account XXXX and Account XXXX have violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also Staes a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore all of the listed accounts have since been settled by being paid in full yet still are marked derogatory and other listings that negatively affect my standings with the credit bureaus.
Consumer complaint received 2024-04-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

In XXXX of XXXX, I decided that I no longer wanted to do business with Kay Jewlery. So, I paid the remaining balance that was on the statement online for {$62.00} and some change. So, in XXXX, they call me and say that I owe {$120.00}. I told them that could not be possible because I paid the card off in XXXX of XXXX. So, the XXXX that got on the line said that he was sorry for the misunderstanding, and he would update their records. So, in XXXX I noticed that they had placed it on my credit, so, I had to call back again and explain everything again and they apologized again, and it was removed from my credit report within two weeks. After that, I figured it was over and I was finally done with Kay 's. Well in XXXX of XXXX they started calling again saying that I owed {$200.00}. They said that when I paid my card off, I paid everything but {$0.00} yes XXXX XXXX XXXX XXXX So, I asked them that if they can call me about {$120.00} why didn't they give me a curtesy call and tell me about the {$0.00}. Why would i purposely not pay {$0.00}. The manager got on the phone and apologized again and said that he would take care of it. But I am still receiving calls. To top it off they said they were sending statements but then said they didn't have my address. So, one of the reps said that he XXXX my name in my city and state and got my address. My personal information should not be looked up on XXXX
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IL)

I recently noticed the following collection account on my XXXX AND XXXX consumer credit report : ENHANCED RECOVERY SERVICESXXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. Please note that copies of statements are not valid proof of a dispute. 

The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (AL)

I have an active loan with OneMain Financial dating back to XX/XX/2021. I have been making payments on the loan every month since then. However, I have huge regrets taking out this loan and dealing with this company. Going back to XXXX this year I have been hit with repeated phone calls hounding me trying to collect money. I am doing everything in my power to repay this loan but that is harassment what they are doing. The final straw for me is when they called my phone today, a weekend morning. Any other creditor I have dealt with has never made harassing phone calls. If anything they communicate with me through email. I have call logs to back OneMain 's ridiculous amounts of calls they have made to me over the last few months. It's bad enough that my balance with them is hardly going down after making monthly installments, but that's a whole another issue. I have every intention to pay this loan off to the best of my ability but the nagging calls have got to stop. Thanks for taking the time out to address this issue and have a great weekend.
Consumer complaint received 2023-06-21
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)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (CO)

Pheonix Financial Services LLC, on behalf of XXXX XXXX XXXX XXXX contacted me XX/XX/XXXX about a medical debt from XXXX XXXXXXXX XXXX from XX/XX/XXXX in the amount of {$1700.00}. Asking for debt verification they sent a bare invoice with misspelt name and no original creditor information beyond it being XXXX XXXX XXXX. They have no proof of this debt and the medical care I received at the time was put through insurance and paid. They have information that should not have been provided according to HIPAA. An analysis of all three parties involved on XXXX XXXX XXXX shows this is chronic illegal behavior. They bought data from a breach and threaten and harass people instead of going through court or any legal method that would require them to prove the debt.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit report Act. The list of accounts below has violated my federal privacy and confidentiality under 15 USC1681 This accounts are under 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 15 U.S.C . 1681 section 602a States I have the right to privacy 15 U.S.C. 1681 section 604a section 2 - It also states a consumer reporting can not furnish a account with out my written instructions 15 U.S.U. 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make a consumer report containing any of the following items of information.Any other adverse items of information, other than records of conviction of a crime. Which antedates the report by more than 7 years 15 U.S.C 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer report Agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On statement date XX/XX/2023 the interest rate was 22.65 % for the current charges subject to a balance of {$110.00} On statement date XX/XX/2023 the interest rate was raised to 22.90 % on the same charges subject to a balance of {$120.00}. Event though there weren't any additional charges the balance subjected to interest was raised. There was not any additional charges. A noticed was not given informing of the increase of the interest rate. 
Payment had been made and the actual owed balance went down.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fraudulent account is on my consumer report. It need to removed as soon as possible. There is no 3rd party. I am human. There has been the following account that are not authorized under my consent or written approval. I have filed a FTC report regarding this manner.
Consumer complaint received 2020-12-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc. (NY)

Due to Covid and unfortunate family circumstances, we held the car past the lease term ending XX/XX/2020, but continued to make monthly payments to show good faith that we were extending the lease. Never once was my payment rejected or returned for the next several months. GM issued an order of repossession in XX/XX/2020 to get the car back, but this repossession had nothing to do with a financial obligation. Our credit report indicates we owe a balance. As this was a lease with no payout due at the end of the lease term, there is no balance due, merely the car was to be returned and that is why GM supposedly " repossessed '' the vehicle.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (CT)

I am a XXXX  XXXX XXXX from XXXX connecticut XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX. There are plenty of locations in connecticut but my XXXX  is registered in the XXXX where the closest location is in XXXX XXXX. I came in and attempted to open an account with all of the necessary documents, the articles of incorporation, tax id, personal I.D . ect. And the manager made me feel like a criminal, he said he drove by my house everyday on the way home acted as though my docunentation was not enough and began ask me for additional proof of address and proof of homeownership like tax records to which I replied that it's public record he also mentioned something about we do not open accounts because people want to, that's when I had enough and told him well maybe I don't want to anymore, i asked for his card and told him what I just experienced here is discrimination and your going to regret it and left.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  changes its name to XXXX XXXX  put it on my credit report after 7 years like I just opened an account last month. Now I have them as a new account for another 7 years. Totallying 14 yrs. I dont think Experian is reporting fairly removing old accounts from 7 to 10 years. I dont think this is fair reporting.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/22 the company XXXX XXXX sold a sick puppy to me. Not only were the selling practices unfair and unethical the contract and selling price of the puppy are not the same. As seen in the contract with XXXX XXXX XXXX XXXX the selling price of the puppy was XXXX with a XXXX tax fee. Now on the original sellers receipt which I have added below the sellers price for the Animal was instead XXXX. The contract and original sellers receipt both depict inaccurate information to the sell of the animal. I have reached out to the company on several occasions to alert the dog did not live past the warranty initiated by the original seller. The company then sold the account to a debt collector upon looking over the information. I plan to see higher counsel if the company does not attempt to settle the debt as stated in the contract the selling price and original price are not accurate. The itemized description states puppy the original selling receipt shows that the price listed and the price charged were in fact not the same.
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Glasser and Glasser, PLC (VA)

I received a letter from GLASSER AND GLASSER, a debt collection law firm in XXXX, Virginia. They claim I still owe XXXX  XXXX XXXX {$4400.00} for a debt that was charged-off 9 years ago. The statute of limitations for debt, in Virginia, is 6 years. this is the second letter I have received from this law firm, the last one was in XX/XX/XXXX. I am sure this is probably a scam being perpetrated by either XXXX XXXX XXXX or Glasser and Glasser. I want this matter resolved, because I do not owe this money. 
Also, if the debt were still active, it would show as a negative entry on my credit record. What is my legal recourse on this matter? Your help will be greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX phone ( XXXX ) XXXX Monday-Friday after XXXX XXXX anytime Saturday and Sunday
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I had two paychecks with only my name on them stolen by a roommate. Chase Bank cashed them for some reason. They dont have her name on them at all, only mine, yet the bank cashed them. She has admitted to stealing them in text, I filed an incident report and was told bu the police to go to the bank and report it as well and gather the check numbers. I went to the bank and reported it. They told me they couldnt help me. So basically they gave my money from my check with my name on it, to someone else, and are telling me too bad. Checks were somewhere around XXXX each, I have a date when they were cashed, i have her admitting to taking them, the bank admits they shouldnt have cashed them with her while they had only my name, yet im told too bad by them. I need help.
Consumer complaint received 2023-09-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

I signed up for a Best Buy credit card ( provided via Citi Bank ) about two years ago. I got this card because they advertised a low APR & monthly payments. According to what they showed me at the time of signup, my monthly payments were only supposed to be {$29.00} a month. Today ( XX/XX/23 ) I found out theyre trying to jack my monthly payments up to {$89.00} a month. I recently became unemployed, and can not afford that. I told them this is not the monthly payment plan I signed up for, and they tried telling me that the monthly payment can fluctuate. This is not what I signed up for, and I would not have gotten or used the card if I knew they were going to try and pull something like this.
Consumer complaint received 2023-03-01
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)

The XXXX, XXXX and Transunion Credit Bureaus are reporting inaccurate information in XXXX, XXXX XXXX and XXXX XXXX. Per FCRA, reporting must be XXXX  % accurate or the information must be updated. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or update this from my personal file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (OH)

the companies involved are reporting inaccurate information saying that I owe said companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All parties have discharged all debts and I was sent a 1099 form from said parties. Publication 4681 Chapter 1 Canceled Debts. All said parties are in violation of reporting said canceled debt as ordinary income. Furthermore, there is no evidence of any debt owe by XXXX XXXX, XXXX XXXX XXXX, or any other derivatives. Charge offs are certificate of indebtedness which turns into income and needs to be removed from my credit report. It is illegal to report transaction history. 15 US CODE 6801a protection of nonpublic information.
Consumer complaint received 2023-06-21
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. (TX)

My XXXX XXXX closed credit account shows incorrect information listed. This ACCOUNT has FRAUDULANT charges on the account. I already spoke with CUSTOMER SERVICE and filed a DISPUTE regarding this matter. please can you help me REMOVE this account from my CREDIT REPORTS Thanks, XXXX XXXX | Credit Card
Consumer complaint received 2023-02-06
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)

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX/Equifax/XXXX refuses to remove me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX/Equifax/XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to FIX this damaging negatives from my profile. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

My XXXX XXXX was hacked. I notified Wells Fargo withing hours and on the same day this was happening..I asked them to stop a fraudulent wire transfer wich I was told over the phone it was still pending.. They ignored my plea and allowed said transfer to continue. I would like Wells Fargo to disclose the phone call I had with them that evening. All the evidence is in there..
Consumer complaint received 2020-12-30
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. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2023-03-15
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. (PA)

Fraudulent Account showing on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

After repeated requests for assistance over the phone and in person at a branch, I am still having issues accessing my account. I am frequently locked out of my account and have had to reset usernames and passwords multiple times every week. No one in customer or technical services has been able to help. This is getting frustrating ad I am not able to access my account reliably.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (MO)

On XXXX XXXX, XX/XX/2015 I sent 300.00 to the incorrect credit card company Southwest Credit Card through money gram. I already faxed the company a letter stating I did n't have an account with them and I was wanting my money refunded so I can properly pay my debt that I owe to another company.