davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (IL)

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-04-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2019-11-26
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: Modern Adjustment Bureau (CA)

the credit report agency did not help at all, infact made it worst. they are believing the collection agency. even with my proof. the collection agency said we waited so your 5 years mal practice rights are done. Very bad man. Don't owe a penny.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I am writing today in regards to my account with Santander Bank NA Account # XXXX the reason for writing is because a late payment is being reported in XX/XX/2020. I am sure you are aware of the pandemic which has hit and has impacted me in that month. I got this account current once I was able to. I also addressed this issue previously and thought they had resolved this matter which they have not.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX received $XXXX  and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  XXXX XXXX XXXX changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. XXXX XXXX XXXX wants $XXXX as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and XXXX is taking advantage of me. I have never had a negative mark in years and XXXX XXXX XXXX emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.XXXX XXXX
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NJ)

Upon using my XXXX/Commenity bank card, I was offered an interest free program if paid off before a certain amount of months. However, Commenity still charged me interest every month. 5 months later I contact commenity and was informed that they woud fix the error with the program that commenity entered me into after supplying them with the necessary documents to prove my claim. 9 months later they still have not fixed the error. They are refusing to give me what they promised. I had a customer service representative call and speak to me and a nasty manner saying things like "you can tell me the truth you don't have the money". I was told by a customer service representative "It doesn't matter what we say we were going to do, we are not honoring the no interest program for you." This is not fair. If I wasn't told my purchase would be interest free I wouldn't have used the card. Even though they stated they would fix the error, they don't feel like they have to follow through.
Consumer complaint received 2019-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (TX)

Im disputing medical bills that have been placed on my account from XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) and HARVARD COLLECTION ( XXXX Account Number ) Collection account. {$2200.00} past due as of XX/XX/2019 Ive previously disputed this information with the original creditors ( XXXX XXXX XXXX XXXX XXXX ) and have previously provided them a police report for identity theft. The account was then removed from my credit and now after various years they are trying to collect again. Please have this corrected as I have contacted them and they are unwilling to remove this from my credit. 

- Contact Info for Harvard Collection XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harvard Collections, LLC (AR)

ILLINOIS DEPT OF REVENUE KEEPS RECYCLING TAX DEBT OUTSIDE THE S.O.L. EXPIRED AND TAX DEBT DISCHARGED IN BANKRUPTCY XXXX DISCHARGED ON XX/XX/2018. THEY USE HARVARD COLLECTION SERVICES AND XXXX, XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (TX)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXXXXXXON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third is reporting a late payment on my credit report while actively in a bankruptcy XXXX XXXX  this is illegal and goes against the Bankruptcy code XXXX and I have never been late on any payment.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (NC)

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-02-21
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. (NC)

I notice the following inquires in my credit reports which i did not authorize : SYNCB/lowes on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute in regard to the incorrect/unauthorized items listen on my credit report. It has been well over 30 days, and I have not received any investigation results/updates.
Consumer complaint received 2024-02-21
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-02-25
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (LA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-01-19
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: CITIBANK, N.A. (MA)

In late XX/XX/XXXX/early XX/XX/XXXX I was sent a solicitation from Citi /  AAdvantage Platinum Select World Elite XXXX inviting me to apply for a credit card in which I would receive XXXX bonus miles if a spent a certain amount of money on their card over a certain period of time. I completed the application, it was accepted and a new credit card was sent to me. 

I then spent the required amount using their credit card. However, I was not given my bonus miles. When I inquired about this with the company, I was told " Terms and conditions state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within the last 24 months. '' Apparently, I had previous had this card and closed the account in XX/XX/XXXX. 

While I agree this is a reasonable policy and I agree it is stated in the fine print in their offer, I also think it is entirely unreasonable and misleading when a company with as many resources as Citibank is allowed to solicit business from potential customers with offers that Citibank already knows they do not qualify for. I did not reach to them and ask for this credit card ; they sent me the offer and I accepted it. Further, I think if I did not qualify for the offer they offered to me, they should be required to reject my application and, if they so desire, send me another offer that I do qualify for.
Consumer complaint received 2019-07-15
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. (SC)

I have disputed multiple Times of a debt that doesnt belong to me w equifax regarding a XXXX XXXX XXXX  credit card it had A suppose of {$300.00} limit opened in XXXX of 2012 I have disputed w XXXX XXXX as well as equifax I have asked for verification neither XXXX  XXXX or equifax has been unable to verify I have disputed this debt with XXXX & XXXX both were unable to verify So they deleted from my credit report equifax & XXXX XXXX keep responding account accurate With no verification that I asked for showing documents etc
Consumer complaint received 2019-07-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Paypal ( XXXX, XXXX  ) checking account services use of holds and or authorizations for inordinate periods of time can harm consumers. E.g. the bank, Paypal, in some cases, will place an authorization for more than 21 calendar days on common types of transactions, unnecessarily withholding funds long after the release by the vendor with whom the funds were initially authorized. 
On XX/XX/2019, I utilized a Paypal debit card to authorize the opening of a folio  at a nationally recognized hotel chain. The authorization was a standard amount of {$50.00} USD. After a week and a half the authorization was still pending and the funds continued to be withheld by Paypal. On or about XX/XX/2019, I contacted the vendor, hotel, directly and they informed me that they had released the hold or authorization two business days prior to my contact. I then contacted Paypal, on or about XXXX XXXX, to inquire as to why the funds continued to be withheld. The customer service representative informed me of their policy to hold funds for a minimum of 21 days from the date of transaction, notwithstanding the vendors action to release the funds, the policy of the bank was to withhold the funds for this inordinate period of time, regardless. I was informed that it was possible to have the period of time shortened and Paypal would only do this if a series of onerous and burdensome actions were undertook by both the account holder and the vendor. First, it was necessary for me to reach out to a specialized customer service representative, in an understaffed department at Paypal, another inordinate wait time, with limited opening hours. This representative would email me detailed, lengthy and impractical set of instructions for early release of 'authorized funds, ' which I was responsible to deliver to the business. As the account holder I would have to deliver these instructions, unsolicited to the vendor, personally, with great effort to convince them of my identity and the legitimacy of my request. I would have to convince the vendor to fax personally identifiable, sensitive and private information to Paypal, which they already had secure access to, including names, account numbers, address etc. Needlessly transferring a tremendous amount of risk, possibly compromising my personal information and exposing me the account holder to identity theft. This information would than have to be verified by Paypal, again, causing further delay. Paypal, and other federally insured financial service institutions, administering basic checking accounts should not be allowed to withhold debited funds, inexplicably, long after the vendor has fully released the hold on the funds, they initiated.
Consumer complaint received 2019-07-15
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kohn Law Firm S.C. (WI)

i co signed a car loan for my son which ended up i. collections with kohn law firm they lied to us from the beginning so they could get their information they wanted my son to pay almost {$800.00} a month on the bill they wouldnt work with him. he called i think it was the end of XXXX to talk to them again about lowering the payment and he recorded the whole phone call they where rude to him then they went on to tell him he had to other accounts their that he was paying on and went on the tell him what they where and how much and they where my accounts and i wasnt on the call at all. its all on tape. then i called them back around the week of XX/XX/XXXX to make a complaint on what they did and they violate my rights they told me they would call back in couple days didnt hear anything so i call XX/XX/XXXX told me their lawyer wasnt in that they they would call me the next day i got a call XX/XX/XXXX from someone that worked there and was told that their lawyer was watching the account closely now and knows everything that went on and then asked me if i wanted to set up payment plan i told her they didnt even say sorry just that they are watching it closely nowi was connecting someone cause my rights are violated and they broke the law. the totally amount owed is {$9400.00} and we have the recording if you want
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Experian declined my credit at XXXX Bank because they would not release my credit freeze. I froze my credit with the 3 credit bureaus in 2018. I was able to release XXXX and XXXX   with one telephone call. I called Experian 5 times on Saturday XX/XX/XXXX and 4 times on Monday XXXX XXXX. I HAVE MY PIN ISSUED BY EXPERIAN WHEN I FROZE MY CREDIT ON XX/XX/2018 -- -I also went on Experians website to try to temporarily release my credit for 1 week so I could get the XXXX Bank credit card. 
There is not a person I can talk to.even though on Monday I called at XXXX in the afternoon, when they state it is their business hours. 

I have a good credit score and EXPERIAN IS JEOPARDIZING MY CREDIT BECAUSE OF THEIR ACTIONS.