davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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)

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. 

XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-02-18
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)

15 U.S. Code 1681b ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person, rights violated due to no written authorization. PRIVACY ACT OF 1974, VIOLATION OR PRIVACYXXXX 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 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

I financed a piece of jewelry from a jewelry store through Comenity Capital Banks XXXX credit card for the amount of {$6700.00} on XX/XX/scrub>XX/XX/2023. When the first bill came I was still waiting for XXXX XXXX to deposit into my bank account, and that amount turned out to be not quite enough to pay the full amount of the XXXX card off. Rather than making monthly payments until the asset funds hit my account, and then making the remainder of monthly payments after I paid a lump sum using the assets amount, I used another credit card to pay the full amount of the XXXX balance in the amount of {$6700.00}, They took my payment over the phone XX/XX/scrub>XX/XX/2023. That amount posted on XX/XX/2023. On XX/XX/2023 XXXX charged that card again, and my bank statement also reflected that the amount due was the amount of both charges. When I called to tell them they double charged me they denied doing so, saying their system didnt reflect a double charge. In XXXX I received a statement from XXXX that reflected they had received the payment of {$6700.00}, and the only amount due was an interest charge of {$25.00} so I paid that. The double charge was still showing on my personal bank statement, so I had my bank reverse one of the charges in the amount of {$6700.00}. In XXXX I received another statement from XXXX again reflecting the full amount due was {$6700.00}. I called XXXX to tell them they double charged me and my bank reversed one of the payments. Since XXXX of 2023 I have been in dispute with Comenity Capital Bank that I owe them the amount of {$6700.00}. I have sent them every piece of information they have requested, bank statements reflecting the double charge, letters from my bank on my banks letter head with transaction and trace numbers. All that happens is I get a letter in the mail or a secure message on their websites secure messaging platform saying that the dispute has been closed because the payment was returned.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

To whom may be concerned, I am writing to request that the two collections reported on my credit report by [ XXXX XXXX XXXX ] be removed from my credit report. I believe these collections are invalid, as the debt collector did not properly validate the debt before reporting it to the credit bureaus. I have enclosed a copy of the certified mail receipt showing that I sent a debt validation letter to the debt collector on XX/XX/XXXX. And it was received on XX/XX/XXXX,. As required by the Fair Debt Collection Practices Act ( FDCPA ), the debt collector had 30 days to respond to my letter with validation of the debt. However, to date, I have not received any response or validation from the debt collector. The FDCPA requires that a debt collector must validate a debt before attempting to collect it. Specifically, 15 U.S.C. 1692g ( b ) states that [ w ] ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the information necessary to validate the debt. The validation must include the amount of the debt, the name of the creditor, and continue writing the letter. Given the lack of validation and the debt collector 's failure to respond to my request, I believe that these collections should be removed from my credit report. I respectfully request that you investigate this matter in accordance with the FDCPA, and take appropriate action to have the collections removed. Additionally, Federal Trade Commission v. Check Investors , Inc., 502 F.3d 159 ( 3d Cir. 2007 ) establishes that a debt collector must comply with the 30-day validation requirement, and that failure to do so can result in a violation of the FDCPA. The court in that case held that a debt collectors failure to respond to a consumers request for validation within 30 days constituted a violation of the FDCPA. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2019-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

Soo I have been a home owner for 20 years my loan has been bought and sold numerous times which basically means your stuck with the company you didnt get to choose so my mortgage was taken over back In XXXX the new company has a different set of rules then any other company Ive dealt with in the last 20 years of homeowner ship that I find unfair and predatory and here are my examples first they havent sent me a single letter let alone a mortgage statement second I have always been able to have a 15 day grace period to pay mortgage not with this company third if I chose to make a payment from an automated phone call its {$12.00} free with the other 7 companies if I choose to pay online its free till the 4 th of the month then there is a fee again usually free till the 15 with any other company there are more issues but what Im getting at is how is it fair for them to change the terms of a loan on me without my consent
Consumer complaint received 2022-04-15
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)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying the reporting agency is right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

This XXXX XXXX has called me at least twice - the last time at XXXX XXXX. on XX/XX/2018 and leaves a message that says " get a paper and pen to write down this code ''. And then repeats it several times. Today, XX/XX/XXXX, I called the XXXX and asked about their calls. I told them that I don't have a XX/XX/XXXX and they asked if I had a XXXX XXXX, XXXX XXXX or XXXX card. I told him that i have a XXXX card and he assured me that was why they were calling. He wanted the credit card number and when I won't give it to him, he asked for my social security number and I also WOULD NOT give it to him and hung up. I then called XXXX with the number on the back of my XXXX card, and they said that they would make a note of my call and they were glad that I didn't give them any information. I assume that it was a scam.
Consumer complaint received 2024-02-17
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. (TX)

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is invalid information from XXXXXXXX XXXX XXXXXXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXXXXXX XXXX XXXXXXXX. I hereby request that XXXXXXXX XXXX XXXXXXXX remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXXXXXX XXXX XXXXXXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXXXXXX XXXX XXXXXXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXXXXXX XXXX XXXXXXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation XXXX XXXX Constantly call my home all day about this account Account was on credit report to be remove XXXXcredit bureau changed the removal date 2times..Please delete account from my credit report
Consumer complaint received 2022-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (GA)

Failing to send you notifications Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes reporting a debt as charged-off when you settled it or paid misstating the balance due Mixed Files Debt Dispute Violations correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) NO MORE TIME THEN THAT TIME FRAME notify every involved that you dispute the debt Privacy Violations CRAs can not release your credit report to just anybody. 




Remedies If any of these three types of entities ( credit bureau, creditor, or information user ) violated your rights under the FCRA, you might be able to sue them in state or federal court for damages. 


Furnishing and reporting inaccurate information A creditor, much like your credit card company or loan collector, should not be knowingly supplying incorrect information to a CRA. 

Some examples of inaccurate information that could be supplied to your CRA include overstating or misstating total balances due, reporting a debt that has been paid off as a charge off, reporting payments paid on time as late or mistakenly listing you as a debtor on an account. 

Bottom line : CRAs need to respond to filed disputes in certain ways, and not following those procedures could violate the FCRA. 

Bottom line : Creditors or CRAs failing to update your credit information ( which should be kept as up-to-date as possible ) violate the FCRA. 


Mixing files In some instances, a credit bureau can mistakenly mix your file with that of another debtor with information similar to yours, like a shared last name. This violates the credit bureaus obligation to report accurate credit information about every borrower. 

Mixed file violations include combining credit information of people with similar names living in the same area, such as if there are XXXX people named XXXX XXXX who live in the same zip code, or not including XXXX, XXXX, XXXX or other differences for people Bottom line : Its possible mistakenly mix credit information of two people with similar information, which violates the FCRA if not remedied. 

The right to dispute inaccurate/incomplete information Any inaccurate or incomplete information found in your credit file that is reported to a CRA must XXXX thoroughly investigated by the agency.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In XXXX, some of my personal information was compromised in the Equifax data breach. In XXXX, an identity thief charged {$30000.00} to a department store XXXX XXXX 's ) without the card ( it was in my possession ), using a bogus New York XXXX XXXX license. It took months to resolve this issue. Recently, my credit score dropped substantially, which made no sense since I had just paid off my auto loan. I found, through my credit reports, that someone had opened a XXXX XXXX account in my name in XX/XX/XXXX, and had not paid the bill so it was sent to collections. The person used my name, social security number, and the address of a home I sold XXXX years ago. XXXX XXXX will not help me, and their website refuses to accept the fraud report I have tried to file multiple times. I have lodged a dispute with all three credit reporting agencies. XXXX who is responsible for this problem in the first place, has gotten back to me, claiming that XXXX XXXX believes this delinquent bill is legitimate. No one, in other words, is being helpful, and I have spent hours and hours just in the last week trying to solve this. I can prove I did not live at the address used to open the account ( I have been at my current address for XXXX years ) and it also is illogical that I would set up an account with XXXX XXXX XXXX when I live in the XXXX. In addition, I have an impeccable credit record, dating from the XXXX. I have filed a police report, and a report of identity theft with the XXXX. I have lodged a fraud alert with all XXXX credit bureaus. When this is resolved, I will freeze my credit.
Consumer complaint received 2024-02-18
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. (DE)

In accordance with the Fair Credit Reporting act, The List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, has violated my rights 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 furnish an account without my written instructions. These accounts have been paid, they are affecting my credit and should be removed.
Consumer complaint received 2022-12-18
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. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint about four accounts that keep appearing on my credit report and that do not belong to me. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never opened or used these accounts, and I have no knowledge of how they came to be associated with my name. I have made multiple attempts to have these accounts removed from my credit report, but they keep reappearing. 

This situation is causing me significant stress and frustration, as it is affecting my credit score and making it difficult for me to obtain loans or credit cards. I am also concerned about the potential for identity theft or fraud. 

I request that the Consumer Financial Protection Bureau investigates these accounts and takes action to have them removed from my credit report as soon as possible. I will provide any necessary documentation or information to support my claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. I have submitted dispute to the credit bureaus on numerous occasions to get these fraudulent items removed. These items still remain on my credit reports, but have not been verified by me. I have not seen a contract or my signature on any of these accounts. I have the right by law, to be shown how an account is proven to be mine, and the credit bureaus have not done that,
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent Transunion multiply different letter requesting to remove address and employee information that no longer applied to update my accurate information. The first letter that I sent asking to update my personal information instead they pulled my credit report and sent me my credit report through the mail and now there is inquiry on my credit report and I did not request my credit report to be pulled. I have a copy of my report that they sent me. I resent two more requesting the same update and I sent my photo ID and Social number that was attached and they sent me a letter saying that I need to send in prove for authorization of third party but I'm not working with third party I solo request this update and I'm not working with anyone. I have copies of the letter that I sent to them through mail.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In or around XX/XX/2008, a utility company in XXXX XXXX, NV, where I had never lived, sent me a letter saying I owed them money for a utility bill. The company had my social security number, so I reported Identity Theft to all 3 credit reporting agencies. I filed a police report where I do live. They refused to change the erroneous information, and still report one of my previous addresses as the one in Nevada. I don't even know anyone who lives or lived there. In this complaint, there's a request for documents, however, since this is an Identity Theft situation, what documents would a person actually have? 

This is totally wrong, and shows their lack of concern for bona fide identity theft reports. They are one of the reasons so much of it occurs, because they make it so hard for decent people to correct what criminals have done to hurt us.