davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

They are repeatedly calling and harassing my in laws. This is not acceptable. They leave threatening messages on their voice mail for me saying they are going to take action and sue they said the woman, Tired of not hearing from you and they said your " action or inaction " could have a major impact on the outcome of this case. 
Today, the name was XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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.

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2023-01-16
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: Experian Information Solutions Inc. (TX)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one just restricted my SECURED CREDIT CARD for no VALID reason. 
I have never been latew with payments in over a year since i opened the account with a secured deposit of {$100.00} and was given a credit limit of {$200.00} that later on they increased without me asking for it to {$500.00} for a week and a half later restricted it for no explaination as every time i called they claimed that they cant provided me with details of they desicion. 
the card in refence is XXXX Please HELP
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (GA)

RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : OPORTUN/WEBBANK- XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law.

-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.

OPORTUN/WEBBANK has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in XXXX to remedy the stress of potential losses, however, this has damaged the situation so much more.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (IA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2023-01-16
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. (IA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that shese payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-01-16
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)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2019-12-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (GA)

Recently I started receiving requests, missed payments, and debt collection attempts to make payments on a student loan that I do not own. This account has been reported to the credit reporting agencies and is significantly impacting my credit report and my credit score.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I have had this card for several years and pay my balance in full every month.In the last three months they started charging interest claiming that you must pay the entire balance in full, whatever they have on the statement, regardless of whether you made a return to the store before the end of the statement period. The topper is that you must the pay interest the next three months until you get back in their good graces!! This is regardless of whether you paid in full and on time.

Then you have a credit balance which they will return to you within the next couple of months! 
My credit score is in the 800s and I have never heard of anything so ridiculous before. 
I have spoken to two layers of management and their comment is Comenity gets paid first regardless of whether you owe them that money or not. XXXX, XXXX etc. do not do this. You can pay exactly what you owe. 
I had a credit before the end of the billing cycle and I checked my balance on line and paid in excess of the amount due and that wasnt good enough, I had to pay the amount on the statement regardless of whether I owed it or not.
Consumer complaint received 2019-12-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Purchased a vehicle from XXXX XXXX in XXXX, Oklahoma on XX/XX/2019. Noticed that they had charged us for a vehicle warranty that we did not want. Called XXXX XXXX on XX/XX/2019 and spoke with the finance manager who said he would remove the warranty if we would sign a new contract. Signed 2 different contracts that day because he raised the rate on the second contract. Third contract was signed with correct rate and no warranty. Received payment notification in the mail from lender on XX/XX/XXXX with the wrong payment. Called XXXX XXXX, spoke to XXXX XXXX, the business manager, and was told that the only thing they could do was cancel the warranty and apply that amount to the note. We have a copy of the signed contract that does not include the warranty and has a payment amount that is {$36.00} lower than what we will be paying. XXXX XXXX refuses to submit the correct contract and takes no blame for submitting the wrong contract
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (UT)

I set up a payment plan with my XXXX  visa card synchrony bank on XX/XX/XXXX to take XXXX dollars from my bank account on the XXXX of every month. They took the payment on XX/XX/XXXX but then didn't take anymore payments after that. 2 months later I saw that they hadn't taken their $ the last 2 months and when I called to ask why I was told they had charged off my card for failure to pay. I told them I set up payment plan for them to take the money each month. XXXX they said I didn't make a payment plan and after giving them the date I called n insisting I made payment plan on that date they found it but then said I was supposed to call them to make payments. That is not what I was told when I made the payment plan I was told they would b taking from my account on the XXXX of each month. And I have payment plans with 2 other cards n they all take their $ from my account every month just like this company said they would do. Now my credit is ruined for 7 yrs n debt collectors r going to b coming after me when I didn't fail to pay them. I made sure their $ was in my account on the XXXX of each month but cuz THEY failed to take it I have to pay the price? If I was supposed to call them to make payments they needed to tell me that. When they ask for my bank account info and say theyll b taking the money then that's what I expect theyll do. I've done nothing wrong and shouldn't be punished for their mistake or just wrong doing.
Consumer complaint received 2023-01-16
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. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX MT XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, 2022 ; 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 2019-12-23
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. (DC)

On XX/XX/XXXXI found that my mailbox has been broken into so wanted to freeze my credit. I was able to successfully and easily do this with XX/XX/XXXX, yet Experian and XX/XX/XXXXwould not let me do it. 

It is particularly strange that XXXX  couldn't seem to verify my identity, or whatever the problem is, because I've had the same credit monitoring account with them sinceXX/XX/XXXX. It is clear that they just make the " free '' freeze almost impossible to do, but I'm sure the " paid for '' version would go through no problem. 

Similarly with XXXX, I just created an account with them for this purpose and they were able to identify and find my credit file, list out my current credit accounts, etc. Yet when I tried to freeze the credit they said they couldn't do it online. So I called the number and correctly answered all of their prompts, but again, a problem and they tried to refer me to the online page. Then when I spoke to an agent she said that she was unable to freeze my credit at that time because they were updating their systems. I get the feeling no matter when I attempted to call they would be " updating their systems ''. 

It's all a big scam to avoid the law requiring them to freeze my credit for free and making me pay for their premium services.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (NJ)

I contacted Equifax in reference fraudulent accounts on my credit report. I asked them to investigate these fraudulent items. I ask for proof of the fraudulent items, I want to know how the fraudulent items are verified with whom the date and how. Equifax did nit provide any of this information. The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] by Equifax. I did not have anything to do with any of the fraudulent items. and they should be removed immediately.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for dis purpose. 
XXXX
Consumer complaint received 2023-01-16
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose