davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-07
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX with Comenity Bank card. The Transfer of a XXXX XXXX XXXX XXXX XXXX was supposed to be converted into a XXXX XXXX XXXX. The XXXX was opened for a 50 % of the Down Payment ( the other 50 % was supposed to be put on another card under spouse name ) The full amount was placed on the newly opened XXXX XXXX  under my name. In which I did not know about so I filed a fraud claim. after several calls and emails to the XXXX company with no response & still to this day no conversion on the two accounts. We are still paying for two separate accounts maintenance fees. 
After, all of that I called Comenity Bank - on XX/XX/XXXX. I made a large payment of {$2400.00} in order to keep the card current and my spouse and I credit good. 
Comenity Bank CLOSED the XXXX without any notice or awareness via phone call or email. 
Comenity Bank closed my XXXX XXXX XXXX account and said it was a charge off. 
I did contact Comenity Bank when I was made aware of the charge off after receiving an email from XXXX XXXX and XXXX XXXX on XX/XX/XXXX - in which Comenity Bank said there was nothing I could do. And to call back on XX/XX/XXXX to apply for another card. I feel their practice was unfair and it made my credit score drop over 12 points. 
Please help consumers like myself : by Informing XXXX of their unfair acts Hold them accountable for their unfair statements of due to the down system you will be informed in one week, to one month to it's now a new year and we just heard back and made arrangements with XXXX representative. 
As for Comenity Bank - I have been current with payments and still am a good consumer BUT Comenity Bank has Branded Me as a Bad consumer that due to their bad business my spouse and I are suffering with a Bad Branded Name. 
Please help me Respectfully, Credit Score Points dropped low - after trusting the Commenity Bank and XXXX XXXX XXXX XXXX of XXXX California
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (OH)

School was closed and they failed to keep communication about loans and grants after I applied for school finances. I have applied for loan forgiveness a few times, along the applying the the programs through the COVID times. At the time of my attending they said they would being closing before my degree was finished for legal matters. What I need to do to resolve this cause it is still showing up on my credit reports and accounts when I try to enroll with other schools and they fail to communicate with me. 

XXXX ID : XXXX
Consumer complaint received 2023-06-28
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-06
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. (NC)

On XX/XX/XXXX I requested my 3 credit reports from XXXX and upon reviewing each report I noticed some issues and discrepancies on my Equifax report. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction being disputed with Equifax. These disputed transactions should be removed from my credit report immediately pursuant to 15 USC 1681a ( 2 ) ( B ) as they are in violation of my rights as a federally protected Consumer under Title 15 Chapter 41. I mailed Equifax a formal dispute ( attached ) via certified mail with a receipt of return and they received this dispute on XX/XX/XXXX. According to The FCRA they have 30 days to respond to my dispute however I have not received any response from them as of XX/XX/XXXX. I am demanding Equifax removed these disputed transactions immediately. 

Accounts disputed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-23
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. (FL)

THE FOLLOWING CREDITOR IS BEING REPORTED BY EQUIFAX ILLEGALLY AGAINST MY RIGHTS AND FCRA. 

CREDITOR : XXXX - ACCOUNT DOES NOT BELONG TO ME. 
ALL CARD DETAILS ARE FALSE. BY LOOKING AT THE TRADELINE, DATES, PAYMENT HISTORY, BALANCE, IT TAKES COMMON-SENSE TO NOTICE THIS IS NOT A VALID ACCOUNT. 

XXXX Account Status Closed Account Type Revolving Account Type Detail Revolving Account Balance {$4900.00} Bureau Code Individual Credit Limit Date Last Active XX/XX/XXXX Date Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX High Credit {$4900.00} Last Reported XX/XX/XXXX Month Term Monthly Payment Past Due {$4900.00} Payment Status Collection/Chargeoff Comments Consumer dispute following resolution. Charged off account. Account closed by credit grantor
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

GM Financial has incorrectly sent late payment information to the credit reporting agencies. 

This was a new vehicle purchase. There was some sort of problem with the account setup and then this reflected in their website. 

I was getting confusing information from their website - that my account had been cancelled, then access was locked and i couldn't get back in, then couldn't the new account. Then, when I tried to apply payment on several occasions, the system would not accept the payment. 

Then I called the service center to make a payment and the clerk took my payment information and I thought the matter was settled. 

However, a few days later, GM Financial called me to say that they had no information about the payment and I was late. I gave them the payment information again. The lady was very rude and said that there was no record of my previous call and that " no one else is having trouble with making payments on the online system ''. Really? I find that hard to believe. 

After spending an hour on the phone with an agent this week, I was able to get access to my account and will hopefully be able to make payments online. I am up to date on my account and the GM Financial System says I am current and next payment is due XX/XX/XXXX. However, you can not see payments made by calling the call center on their online system. 

If not for the process, system and coordination snafus at GM Financial, the payment would have been on time. 

There has been snafu after snafu dealing with GM Financial. And, they have a message saying there is a new system coming on XX/XX/XXXX. I am fearful this will not go well and I will not be able to apply my payment online. Hopefully this works.
Consumer complaint received 2022-11-17
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. (CA)

I have been sending countless letters appealing to Equifax to verify the disputed item and remove it if unable to prove that the Item is mine. Equifax is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Please remove the item ASAP : XXXXXXXX XXXX  XXXX
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Today, I used XXXX to view my three reports online. The first one, XXXX went fine, and I viewed and saved my report with no problems. When I tried XXXX, they asked me some " qualifying questions '', none of which had any relevant data concerning me, so I answered, '' none of the above '' to all four or five questions. Immediately, i got a message that they could not display my report online and told me how to apply for a copy to be snail mailed to me, complete with copies and attachments to prove who I am. XXXX  had no problem. When I tried Experian, they didn't even ask qualifying questions, they went straight to the paper route. What is the purpose of promoting an online website where we can find out what Experian shared with the world, and the same with XXXX? 

I did a little looking on the web, and this is a known and prevalent problem and has been happening for a while now I want to be able to see everything these irresponsible companies have about me. The last time I dealt with XXXX and Experian in which I WAS able to see my data - more than ten years ago, they were riddled with outdated and erroneous information. 

If this has been recurring and unfixed, whomever is responsible should get on XXXX and Experian and make them comply.. We have no choice to opt out, but I would if I could. 

XXXX XXXX XXXX XXXX, CA
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX My computer was pirated by what appeared to be XXXXXXXX XXXX and XXXX XXXX stated do not shut down your computer it has been corrupted with spyware call this XXXX for help. So, I did and XXXX indicated he was the tec that could help clean up the XXXX. After a bit of instructions, he noted that a XXXX had gotten to my XXXX account and he would have a fraud representative call me from XXXX. That person called from XXXX XXXX which is a number for XXXX. He identified himself as XXXX XXXX and asked if we had authorized a {$23000.00} payment to a casino at XXXX the previous night ( XX/XX/XXXX ). My response was NO. so he said he would send an FDIC letter with instructions and we would need to set up a secure account with the exact same amount to allow the XXXX to ask if the false payment was authorized - just say no, and then if the secure account was authorized and just say yes, which would allow that money to then be reversed to return to my XXXX  account. By that time with all of the interruption by the said XXXX tec asking questions and giving instructions I was quite upset. 
Just did not click that the FDIC doesn't regulate Credit Unions. Then the instructions came for the secure account and moneys to be delivered to CITI bank in XXXX, VA routing XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX an attempt to make that as an external transfer through my digital banking did not work so I was instructed to go to the bank in person to get the wire completed which I did- I was also told not to mention anything to the clerks regarding the hacking or the previous fraudulent wire to the casino because someone from the local bank was involved and had authorized that wire. OMG how can those scammers get me so rattled that I could miss those clues. The third person that was involved in the scam group was a man supposed to be from the FDIC named XXXX XXXX and I was transferred to him at some point in the drama. I imagine they will immediately move the funds from that CITI bank to another bank to disburse to themselves. We have asked XXXX to stop the wire and they will contact CITI bank but the wiring form has my signature so that makes it more difficult. I'm not sure who you are but I was looking for someone who could help retrieve our money. The wire was requested to be returned but Citi Bank has not returned the funds. A Call to Citi Bank Fraud department was answered by XXXX who said if I didn't have an account with them he could not help and to call my bank. He wasn't at all interested in blocking the account with his bank to monitor the activity for additional in and out money produced by these scammers. CITI will not let you through their voice mail if you do not have an account with them. I really need some help to get the money back to my XXXX account. There is a XXXX that describes exactly what happens with a XXXX Scam.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

Withdrawl date : {$250.00}. 
Unauthorized XXXX Transfer to a person I did not know. 

1. Called fraud immediately after noticing unauthorized transaction 2. Citibank could not freeze account as they could not trust it was me ( phone number not verified? ) 3. Called again and was able to freeze the account by verifying my Mothers cell phone number. 
4. Went to Citibank XXXXXXXX XXXX XXXXXXXX branch and sat with banker with the intention of closing the account. 
5. Wanted to take the money and put it in a cashiers check to deposit in spouses account. Was told I needed to open a new account to transfer the money into to make a cashiers check, then could close the account ( could not close the old account while fraud investigation was taking place ). 
6. Opened account for transfer to cashiers check successfully. Downgraded the account to reduce the minimum balance requirements to not accumulate fees. Was told if I link the two accounts, the two would work together to add the total balance to not get fines ( minimum {$1500.00} on both accounts, but if they were linked I could keep {$1500.00} total for both and not get fines ).

7. Turns out, I didn't have to open a new account and the information about linking was incorrect. I also could not close the new account the same day it was opened. Banker assured me she would watch the old account so it would not have fees added. Left store with An additional bank account, less money than intended, and no answers. 
8. XX/XX/2021 - Letter from Citibank stating 'there are elements of the claim that lack credibility ' and 'we believe that the transactions that comprise your claim must be considered authorized and, as a result, we are unable to honor it. ' To summarize, issues in freezing the account, bank of ~15 years could not properly identify it was me even after answering all questions, was lied to twice in store, fraud claim denial on a XXXX transfer not authorized.
Consumer complaint received 2021-02-06
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. (TN)

I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act ( FCRA ) and how it is reporting my credit information.

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (ID)

I have no idea who this debt collector is. I have no accounts with this company and have never had any account opened with this company. Ive tried to dispute it several times and it has not been removed. 

Account info Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$820.00} Balance updated XX/XX/XXXXXXXX  Recent payment $ XXXX Monthly payment {$0.00} Original balance - Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX