davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (MS)

Previous complaint to Comerica Bank ( XXXX ) was forwarded to the Direct Express Cardholder Advocacy Group XXXX who sent emails to me, requesting additional information. They provided a telephone number ( XXXX ) XXXX and email address, XXXX. ( Wrong information from Comerica caused me to withdraw that complaint and initiate another that went to Direct Express. That new complaint was deemed a duplicate and closed. Fortunately, the first complaint had reached the correct target. ) I received the first email on XX/XX/2021 in which the advocate asserted that she had made more than one attempt to contact me by phone and left a voice mail message. My phone records did not show any missed calls nor did I receive any voice mail message. The second and third emails were sent to me on XX/XX/2021 and included a letter telling me I have until XX/XX/XXXX to contact them or they will close their investigation. I have made repeated calls to the phone number provided and always get voice mail. I also sent several emails outlining the reason for my dispute and providing them my contact information. Direct Express representatives have put in requests for the XXXX XXXX to call me back.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Experian has violated the FCRA with XXXX XXXX XXXX account XXXX had been illegally Re-Aged. Re-Aging account is a very serious violation in reporting by Experian. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple FCRA violations. I have provided proof documentation directly from the credit report circled and highlighted showing the multiple FCRA violations. I have listed the multiple FCRA violations below for the CFPB review. 


( 1 ) Violation of the FCRA illegal Re-Aging account from XX/XX/XXXX to XX/XX/XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times.

( 3 ) Violation inconsistent reporting by Experian with this account.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to you regarding a concerning discrepancy in the reporting of my credit history by XXXX XXXX XXXX XXXX ( XXXX ) to Experian, one of the major credit reporting agencies. My account number with XXXX is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681, the legislative intent emphasizes the necessity for accurate and fair credit reporting to ensure consumers are not unfairly penalized. It is evident that XXXX 's reporting of a late payment on my car loan does not align with the accurate reporting on my XXXX account. 

Per subsection b4 of 15 U.S. Code 1666, which pertains to the correction of billing errors, XXXX is obligated to ensure the accuracy of the information it reports. The discrepancy in reporting the late payment contradicts the accurate information present on my other credit agency reports, indicating a potential error or misrepresentation by XXXX. 

Furthermore, in accordance with 15 U.S. Code 6802, XXXX is required to provide consumers with the option to opt out of certain information reporting, including late payments on credit reports. However, I was never provided with an opt-out form by XXXX, as mandated by subsection b of 15 U.S. Code 6802. This failure to provide an opt-out option infringes upon my rights as a consumer to control the dissemination of personal information and to operate fairly in commerce. 

The inaccurate reporting of this late payment has adversely affected my ability to engage in various financial transactions, including obtaining mortgages and extensions of credit lines. This discrepancy has caused significant distress and constraint for myself and my family, impeding our ability to participate fully and fairly in the economic marketplace. 

In light of these violations and the resulting adverse effects on my financial well-being, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX 's reporting. I also request that XXXX be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (VA)

commenity bank XXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One was offering {$200.00} credit to apply for their Quick Silver credit card. I applied for the promotion and my credit card was approved. Terms of the original application and email that Capital One sent me, clearly stated that a {$200.00} statement credit will be offer to new approved customers. Once the card was received at my house i started using the card and i spent the {$500.00} listed on the offer in order to obtain the advertised {$200.00} credit. When i received my first statement, the advertised {$250.00} credit was not added to my statement. I called Capital One and the told me that they didn't give me the {$200.00} because i didn't qualify for the promotion. Capital one never gave me a counter offer to accept nor told me that i did not qualify for the original offer that i was applying for. I requested Capital One for documents stating that i was not approved for the original offer and that a counter offer was given to me. Capital One never replied back. 
In conclusion, Capital one lured me in by sending me an email with a promotion that they never offered. They made me spend {$500.00} in their credit card putting the false idea in my head that i was going to received {$200.00} credit. They made me sign documents, give private information and never send me a counter offer. I never applied for the card they gave me and they are clearly false advertising and offering false promotions.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Solutions Group, LLC (TX)

Sunset Solutions is repeatedly calling a friend 's number XXXX ( third-party ) regarding an alleged debt. Once he answers the phone there is a recoded message that plays stating I owe an alleged debt and if I do not call back I will be sued. On Tuesday XX/XX/21 I called the number back to find out what the calls were about I spoke with a Mrs. XXXX with the company and advised her I was recording the call as well. When Mrs XXXX asked for my social security number I asked why would I give that when I have no clue why they are calling and proceeded to advise her that the company was in violation of several FAIR DEBT COLLECTION PRACTICE ACT laws, she hung up on me twice after stating that they were not a debt collection agency even after the pre-recorded message states that THIS IS AN ATTEMPT TO COLLECT A DEBT. Initially I was told that the company name was XXXX XXXX XXXX, today XX/XX/21 I was told the company name is Sunset Solutions by a representative named XXXX. XXXX stated that there was a judgement sent to my county by their company on behalf of a company named XXXX XXXX. I have never done business with a company by that name. I have attached photos of calls made to the number listed above. As I am typing my friend called stating they just called again after I called them and asked for them to not call him again. They have never tried to contact me directly. Sunset Solutions is in violation of the following : 15 USC 1692d ( 1 ) 15 USC 1692b ( 1 ), ( 2 ), ( 3 ) 15 USC 1592c
Consumer complaint received 2021-10-06
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. (MI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (KY)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching the proof that Equifax has admitted that I was in fact victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 2023-06-22
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. (FL)

I've obtained a copy of my consumer credit report the major three credit bureaus and making sure the information was accurate according to USC title 15 168 ( 5 ) I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit agencies XXXX, Experian and XXXX did not complete and modify or remove items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from purchasing a home for my family. 

These accts are : XXXX XXXX # XXXX, {$670.00}, {$240.00} and XXXX XXXX XXXX # XXXX {$32000.00}
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Klarna AB (MI)

I have an excellent payment history with Klarna and i pay off every order i have with them. I have no problem with a Company checking my credit when it's important and necessary and i know that the Company is checking my credit unlike Klarna that check your credit without your CONSENT cover it as a Pay In 4 option. Klarna claims to not check your credit yet on XXXX i received an alert that there was an Inquiry placed on my credit and i included a screenshot. Klarna claims to not do credit checks but this is a big LIE. I checked my credit report with XXXX on XXXX and KLARNA is on there for accessing my credit report without my CONSENT on XXXX. Klarna is LYING that XXXX checks your credit when Klarna is the ones checking your credit when in fact it's Klarna who is checking your credit and i included a screenshot from the Credit Bureau as proof that XXXX didn't check my credit Klarna did. Klarna also have this as a Bank Account when i have NEVER opened a bank account with them. So i contacted Klarna on XXXX about this and this is what happened ...... 

*AGENT # 1 ...... 
This agent refused to give me her name. She first said " Klarna doesn't check your credit it was XXXX that check your credit '' which i knew was a LIE because in all of my years of purchasing tickets from XXXX i've NEVER once known XXXX to check your credit for purchasing tickets with your Credit Card or your Debit Card and i've NEVER seen XXXX on my Credit Report. This agent then change her story and says, " Klarna check credit for purchases at Merchants ''. I then advised her that Klarna claims to not check your credit to shop at their Merchants. Then she changed her story again. She put it all on XXXX then she hung up in my face. 

*AGENT # 2 ...... 
This agent was Rude and kept being Sarcastic and XXXX telling me " you don't know me ''. This agent sat and told me that Klarna checks your credit when you use certain cards. I told her that was the dumbest thing i ever heard since Klarna claims they don't check your credit. I also informed her that i've NEVER had any Merchant check my credit because i'm using my Credit Card or Debit Card. Then she started being Rude saying, " yea i am XXXX and XXXX but you don't know me ''. Clearly their agents have ZERO knowledge about credit or assisting customers when they call in. 



Klarna clearly teach their employees to just Blatantly LIE and tell customers anything because they obviously think that customers are stupid but a smart customer like me will look into what these people tell you.
Consumer complaint received 2021-01-06
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. (LA)

Last XX/XX/2020 I've sent disputes for those unknown and inaccurate accounts that I found on my credit report. It cause me stress because it's almost 90 days now but I haven't received any response. I demand for the deletion of those inaccurate or unknown accounts or I will file a litigation.
Consumer complaint received 2021-10-07
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. (NJ)

I sent a complaint in to Equifax, because I am a victim of identity theft. in response to Equifax, I am not a credit repair company, I am a person that has the right to utilize the CFPB which is what I am doing.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (OK)

mrs bpo XXXX XXXX XXXX XXXX XXXX, nj.XXXX phone XXXX XXXX XXXX and XXXX XXXX XXXX they put a collection on my credit report.This is not my account. 
I called the phone numbers and gave them my social security no. and phone no. and address they said they have no accounts. I told them I know that and this collection is not mine.But they said they couldn't remove it because they had no account number.amount is {$1100.00} and said opened on XX/XX/21
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

In XX/XX/2018 Applied to apartment/ dorm in XXXX  XXXX , CO but I was told that I wasnt approved to move into apartment/ Dorm due to my credit but a few months went by and the balance of a full year worth or rent is reporting on my credit. I never lived or moved into apartment/dorm because I was told that I wasnt approved.
Consumer complaint received 2021-10-07
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. (NY)

I was alerted by a credit monitoring service of a hard inquiry made on my profile in an attempt to open a credit account on my name. Th inquiry was made on XX/XX/2021 from XXXX. 
I tried speaking with XXXX but was ultimately disconnected. I called trans union & the advised me to file this complaint. Please note this was unauthorized & fraudulent.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (MA)

What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.
Consumer complaint received 2022-11-01
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$48000.00} ; XXXX XXXX XXXX XXXX Balance {$18000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$9400.00}
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, equifax, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that XXXX receive information from a third party verification system known as a pacer system and then sells this information to other collection agencies. The Pacer system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report