davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NC)

I received a message of a voicemail from XXXX XXXX  that was left on the former City Manager 's voicemail. I bought his home when he relocated to another city. I'm XXXX, he's XXXX. There is nothing to tie us except the fact that he was the previous owner of the house my wife and I purchased. What gives XXXX XXXX  the right to exploit my personal information to someone like that? It was a XXXX XXXX clothing account!! The lady from XXXX   XXXX who stated she was the collector for XXXX XXXX XXXX even made threats that this man and wife heard also. I do have the number and extension this voicemail came from. This was very disturbing to the previous homeowner who wondered how she even got His number and then tied it to the fact that I bought this house from him. She is liable for giving out my personal information. If the previous owner had never sent the voicemail to me I never would have even known about this. He is a white man who lives almost 3 hours away and is a City Manager in another city. I'm aiming to sue this company for defamation of character.
Consumer complaint received 2020-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

DENIED ACCESS TO SAFE DEPOSIT BOX Have tried since XX/XX/2020 to get access to safe deposit box located at ; BANK OF AMERICA XXXX XXXX XXXX. 
XXXX, Ma. XXXX. 
Because of virus, notice on door directs customers to go online to make an appointment to access box. I have been on website, filled out form only to be told " We're reviewing your request ''. They took out {$260.00} for payment of my box in XX/XX/2020. 
I can not access important papers, title to car, will, and IMPORTANT HEALTH DOCUMENTS. 
I then went to a financial center of Bank of America and spoke to XXXX who stated that the woman in charge of answering emails was out for 3 weeks. 
I need help getting access to papers, and information in my box.
Consumer complaint received 2020-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

This company has listed 8 alleged accounts on my credit reports.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2023-06-14
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. (TN)

I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX, and XXXX. I did NOT grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies.

Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

I have tried fixing it with credit bureaus several times. PLEASE DELETE
Consumer complaint received 2019-09-17
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. ()

Experian claims 3 ways to get a credit report : Web access, phone and mail. 

Can't access Experian web site for a free report. I consistently get the follow error : XXXX - Access Denied Error code 16 This request was blocked by the security rules XXXX XXXX XXXX Your XX/XX/XXXX|Proxy XXXX ( ID XXXX ) Incident ID : XXXX Clearly Experian has blocked my IP number for access making it impossible to get a free report online. 

Calling has another problem - the phone robot always hang up on you when you have exceptions to the questions asked. And there is no way to talk to a live person. 

Mailing has another problem, Experian returned my mail unopened. The return to sender ticket by Experian clearly shows that Experian tried to hide my return address. 
on the package. 

if mail, web and phone have all denied me access - it appears that Experian has quite a problem and doesn't want to comply with foreign resident addresses and mailing out credit reports to Americans serving our country overseas.
Consumer complaint received 2024-02-08
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. (GA)

DEAR EXPERIAN, XXXX AND XXXX, THE INACCURATE INFORMATION ON MY CONSUMER REPORT THAT I HAVE BEEN DISPUTING WITH YOUR COMPANY KEEPS COMING BACK " VERIFIED '' OR " UPDATED ''. EVERYTHING VERIFIED SHOULD BE UNDER OATH!!!! I HEREBY DEMAND YOUR COMPANY TO PROVIDE ME UNDER PENALTIES OF PERJURY PURSUANT TO 28 USC 1746 WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE NAMES AND ADDRESSES OF THE PERSONS WHO YOU'VE DONE THE RE-INVESTIGATION WITH INCLUDING EXACT TIME AND DATES THE INVESTIGATIVE REPORT WAS DONE. PLEASE BE ADVISED FAILURE TO COMPLY WITH MY REQUEST SHALL PUT YOUR COMPANY IN LEGAL TROUBLE XXXX, XXXX XXXX ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-12-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: RateGenius Loan Services Inc (MT)

Hi, i am in the process of trying to refinance my auto loan. i currently have a loan with XXXX XXXX and i noticed that on my XXXX XXXX account they list my loan and showed that they thought i could get a better rate if i refinanced. the XXXX XXXX  site showed several loan refinancing provider options. the first option they showed me was the lowest rate and monthly payment through a company called Rate Genius. i currently pay XXXX per month on a loan with 9.5 % interest. the Rate genius site offered me a loan at 6 % with a monthly payment of XXXX dollars, so naturally i went with that. i went to the site and filled out the application and i got an email back saying i had been approved and would be contacted by a representative. the next day i got an email from a company rep that again said i had been approved, but when i looked at the loan details, it was for a loan with 7.7 % interest, for 66 months, and a XXXX monthly payment. i wrote back saying that this was not the loan RateGenius said i was approved for and that i want the original loan i was approved for. they now have written me back again trying to get me to accept this not so great loan. it seems to me that maybe they are offering loans that people qualify for but then trying to switch the loan details to maximize their profit by trying to get people to accept loan offers that are not as good as they qualify for. even they are just offering me a revised loan based on my qualifications, the fact still remains that they led me to believe i was approved for a specific loan being offered and then tried to get me to accept a different loan. it seems pretty deceptive and kind of seems like false advertising.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I called to inquire on rates and my options with XXXX XXXX XXXX XXXX and without my knowledge, they did a hard inquiry on my credit report. I never authorized it nor was I informed that they would be doing an inquiry on me. I got a text from XXXX XXXX informing me that I had had a hard inquiry on my account.
Consumer complaint received 2019-09-17
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. (SC)

I simply asked Equifax to follow the law in section 605B of the fair credit reporting act. That particular section deals with identity theft. The law is very clear on how the CRA is supposed to act once they get the 4 parts of the law that I'm supposed to comply with. Equifax simply breaks the law and those not give any valid reason of how or why they do this except they feel they are above the law and that their policies can re write the law. I have complied with section 605B of the FCRA many many times and Equifax has yet to obey the law and remove the fraudulent items for over 4 years. I am asking Equifax to obey that particular law.
Consumer complaint received 2020-09-24
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. (TN)

XXXX I disputes an inaccurate and unverifiable medical collection with Equifax..3 alleged accounts total.Equifax removed 2 of the accounts but came back with the third account as verified.These same accounts from the same data furnisher were disputed also with XXXX  and XXXX both CRA 'S deleted all 3 alleged accounts from my credit file.My right to a 100 % accurate credit file has been violated and Equifax has failed to comply with the FCRA.I have provided proof that these accounts should be deleted immediately from my credit file.My ability to obtain financing has been severely harmed.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

XXXX reposesed my car in XXXX/XX/XX/2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, XXXX charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.
Consumer complaint received 2023-06-13
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)

To Whom It May Concern, On XX/XX/2023 I disputed an account reported by XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/2023 that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file purse to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or ; if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. 

Please govern yourself accordingly. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-12-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MO)

- I opened a Citi checking and saving account in response to a promotion.

- I learned that the accounts were not right for me ( poor service, long call center hold times, high fees, and non-competitive interest rates ).

- On XX/XX/18, my account balance was {$0.00}. I spoke to an agent at XXXX central time ( extension ID XXXX ) and requested my accounts be closed.

- The agent would not provide any form of a confirmation number.

- I received a letter dated XX/XX/18 from Citi indicating I am in collections for an account that should have been closed on XX/XX/18.

- After receiving the letter, I contacted Citi again requesting my account be closed and the agent said they would take care of it.

- Today ( XX/XX/XXXX ) I have started receiving collections calls.

When speaking with to the collections department and customer service, they were unable to offer any resolution.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans Union is reporting accounts as included in Bankruptcy that are more that 10 years old. In addition, they are reporting accounts in the Public Records sections that are showing a included in bankruptcy when they are not. They are also showing accounts that they say were verified with agencies that I no longer have an account and and have not had an account since XXXX, as they were refinanced in XXXX and paid in full. 

Court Name XXXX XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX  Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX   Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00}
Consumer complaint received 2022-07-18
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 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.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

Southwest credit system is trying to collect a debt, i requested the validity of the alleged debt, they havent responded to date. They are harassing me by calling me 3 times a days using different numbers. I am requesting the validation of this debt and cease and desist. I will be sueing Southwest if they dont leave me alone.
Consumer complaint received 2021-12-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (FL)

I originated a loan with Mariner Finance for approximately {$4500.00}. After a few months I borrowed more money for a total of about {$8500.00} dollars. The last week of XXXX, I consolidated my debts with XXXX XXXX XXXX in XXXX XXXX. In all, there were about 5 institutions that were sent out a check to be paid off. These institutions included Mariner Finance. Of all the institutions, Mariner Finance in XXXX XXXX XXXX, FL ( Closest in proximity to XXXX XXXX XXXX XXXX ) supposedly did not received their check. I have waited 3 months while still making a {$260.00} payment on the Mariner Finance loan. I stopped payment because they were supposed to get the check 3 months ago. A second attempt was made to pay the loan and there was still problems with executing the payment. loan originated at approximately 34 % APR. The loan now sits at about 28 % APR. I contacted a regional manager who said, well if we have not received the payments, theres nothing we can do. I called and spoke to him on Tuesday, XX/XX/XXXX. I am still making payments on this loan since it was supposed to be paid off in XXXX. My credit has been ruined more from this loan. visited the XXXX dealership to trade in my XXXX  XXXX for a newer model. However, because Mariner Finance has a lien on the car, I can not trade my car in for the newer one. It has been three months since my initial attempt to pay this loan to no avail. I called Mariner Finance and told them I had the cash, a bank account, or a personal check to pay off the loan. However, This was supposed to be a quick emergency loan to get out of an immediate financial obligation. This was not supposed to be a loan where I would have to call the corporate office in Maryland to try and get someone to help me.
Consumer complaint received 2020-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (AL)

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.