davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX  XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX # : XXXX have 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. 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 2022-03-12
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)

My name is XXXX XXXX, I have been a victim of identity theft. Someone has stolen my identity and has used it to open accounts without me knowing or without my authorization.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have reported to all three credit bureaus that there is residence information that does not apply to me, and the information showed back up on my report and has also been included on employment background checks for XXXX XXXX in Pennsylvania. I have advised them that the information belongs to my sibling and not myself, most recently viewed during a potential employer 's background check. I have initiated the correction to be made several years ago and most recently, XXXX, 2019. This erroneous information could be affecting future employment, and I am enlisting the bureau 's aide in finally resolving the issue.
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Recovery Services, Inc. (NY)

This company had me on a payment plan for a year were they took out the money directly from my bank account after the year the bills was paid in. After a month past they started calling saying Im late I asked how could that be when you were taking the money out of my account the rep said she was gon na look into it and get back to me that never happened and the bills kept coming.
Consumer complaint received 2018-10-29
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (NY)

Navient handed my account over to their debt collectors. That # is XXXX. 
XXXX XXXX ( my assigned account manager ) is combative and misleading.

The other account manager I believe his name is XXXX, told me I was being litigated ( XX/XX/18 phone call took place ) and this wasn't the case. He was threatening and abusive. They use scare tactics and abuse to humiliate people over the phone. Absolutely disgraceful.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA (NY)

After firing a Financial Advisor, XXXX XXXX, for stealing XXXX from my IRA which I recovered, I received back my documents. Among them were three fraudulent XXXX advice of Credit ordering from XXXX XXXX XXXX XXXX XXXX acct XXXX to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  said it did not have an account under my name or social security number and the account number does not link to me. XXXX can not identify the transactions but has not reported the fraudulent advice of credit forms to the police and has told me that it is a civil matter. The XXXX Advice of Credits may be dated in XXXX format which would place them in 2012. I do not know the reason behind these fraudulent bank documents and am concerned that an unknown account at XXXX XXXX may in fact have my money.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (NC)

I took out a line of credit for XXXX XXXX XXXX via XXXX XXXX XXXX ( AKA : XXXX XXXX XXXX ) which uses XXXX XXXX XXXX for their billing. The line of credit was {$2000.00} and I prepaid for tutoring services for my grandchild. After a few sessions I began to see a further decline in her grades thus I decided to discontinue any additional sessions. I received a refund on XX/XX/18 for {$1100.00}. When I received the refund I immediately contacted the XXXX XXXX as there was an additional credit that was due. The center refused to refund for additional sessions. I contacted XXXX XXXX  to file a dispute regarding the 3 sessions that was still outstanding. They came back indicating the charges were valid without providing any validation on how this was determined as services were never rendered. They have also lowered my credit limit as a result of me filing a dispute putting my available credit lower than my balance which does affect my credit score. Please help! 
Thank you
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

This bill was paid in full and the company is saying I owed in finance charges this is unbelievable my account was paid off and after My account was paid off then they send a next bill saying thats the finance I paid chase bank in full
Consumer complaint received 2018-10-29
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: ERC (MI)

On XX/XX/2018 I sent a request to XXXX asking them to verify the account being reported on my report by XXXX XXXX XXXX XXXX  for XXXX in the amount of XXXX. I asked for copies of documents. They responded within 30 days without documentation saying that the account had been verified. I sent a second request on XX/XX/2018 asking for a demand for validation with documentation. On XX/XX/2018 I received notice from XXXX that the company that reported the information has certified with XXXX  that the information is accurate. ERC was sent a letter requesting validation and documentation on XX/XX/XXXX, as I believe the reporting is in error. On XX/XX/2018 I received a XXXX bill from them. One in the amount of {$1000.00} and another for XXXX. This does not prove the account is mine. I am asking for original documentation or contract that validates the account being mine, as I believe this account is being reported in error and negatively impacting my credit worthiness.
Consumer complaint received 2017-06-27
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: Experian Information Solutions Inc. (MS)

I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.
Consumer complaint received 2022-03-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against RADIUS GLOBAL SOLUTIONS, LLC for committing identity theft. I have never given RADIUS GLOBAL SOLUTIONS, LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from RADIUS GLOBAL SOLUTIONS, LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If RADIUS GLOBAL SOLUTIONS, LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RADIUS GLOBAL SOLUTIONS, LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RADIUS GLOBAL SOLUTIONS, LLC continues its collection efforts, I will file for litigation for actual damages caused and RADIUS GLOBAL SOLUTIONS, LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-03-21
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. (KS)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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 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
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (SC)

Jefferson Capital Systems , LLC XXXX XXXX XXXX. XXXX. XXXX MN XXXX On XX/XX/2022, Jefferson Capital Systems LLC. sent me a letter for the amount of XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union closed my cash rewards account approximately two years ago although I was making payments on time each month. They always deducted loan payments directly from my account, so it could have never been late at the time of closing. They said they closed it based on information regarding other accounts from a new credit report they obtained. They closed my account which impacted my credit score because although I make payments I can not use the card. They are also still charging me interest on the card although they chose to close the card ( not due to my credit card payment history ). 

I believe they either needed to not close my card or stop charging me interest on an account they chose to close.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

The Tradelines XXXX XXXX XXXX are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (OR)

I had a XXXX XXXX card with Comenity Bank. I paid off my account 100 % but then they started charging me a fee because I had a XXXX balance. Then they started charging late fees on those fees even though I spent no money on the card. I request that the card be closed and they confirmed that it was closed but they outright lied. The account is still open and they are continuing to charge late fees on the account. They also directly debited money out of my account multiple times without my authorization at one point causing a overdraft fee. <P/><P/>Related communication below. <P/><P/>From : Comenity BankSent : Wednesday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Late Fees or Finance ChargesMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . Comenity Bank issues your account and responds to all credit related inquiries. Per your request, I have closed your account. Your current balance is {$21.00} and this information will be provided to the national credit reporting agencies. We will continue to send monthly billing statements on any remaining balance until it is paid in full. Although you requested your account closed, I hope that you will continue to shop with XXXX XXXX XXXX. I value you as a customer and would like to invite you to apply for a new credit card account in the future. Please be informed that the payment of {$7.00} made on XX/XX/XXXX has been applied to the minimum payment of {$7.00} due forXX/XX/XXXX. As the minimum payment due was not received by the scheduled due date the late fee of {$7.00} was assessed to your XXXX XXXX XXXX account. Also be informed that the {$2.00} minimum charge is a finance charge. The finance charge is assessed to the account when you have a carryover balance. The interest charged to the account is calculated on the average daily balance. The only way to avoid the finance charge is to pay the statement balance in full each month. We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Why am I getting late fees on a XXXX balance? Then did you attempt to debit this late fee on a XXXX balance from my bank account without authorization. I am reporting you to the Consumer Protection organization and the BBB XXXX  : //www.usa.gov/state-consumer/oregon Close this account immediately. From : YouSent : Tuesday, XX/XX/XXXX XXXX XXXX  ( ET ) To : Comenity BankSubject : Late Fees or Finance ChargesMessage ID:XXXX Why am I getting late fees on a XXXX balance? Then did you attempt to debit this late fee on a XXXX balance from my bank account without authorization. I am reporting you to the Consumer Protection organization and the BBB https :  //www.usa.gov/state-consumer/oregon Close this account immediately.
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

American express advertised referral promotion for the credit card. I have referred family member and met the condition of referral promotion. However, after 12 weeks of meeting the requirement, American Express is delaying giving the promotional points.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023, I scheduled payment, selecting the PAY IN FULL option via XXXX website. I do not shop at this store often, so I pay my bill in full when I use my card. 

The amount was paid and deducted from my checking account, as arranged. 
I never received any further correspondence from XXXX. 
Upon receiving an email from Experian ( the credit reporting agency ) that my credit score dropped XXXX points due to non-payment, I found that XXXX charged an after the fact interest amount of roughly {$6.00} and then charged an additional {$1.00} per month fee for XXXX and XXXX, but NEVER contacted me to pay these amounts. 

After 90 days they then turned this report over to the credit bureaus and have destroyed my perfect credit!! 
Once I was in contact with XXXX, I paid the {$8.00}, but they are refusing to remove this erroneous statement ( 90 days past due ) from my credit report. 
I have since closed my XXXX account. Had I know they could charge interest AFTER THE FACT, I would never have used this card.
Consumer complaint received 2020-02-04
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. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$240.00}
Consumer complaint received 2018-10-29
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: LEXISNEXIS (TX)

inaccurate information being reported via XXXX XXXX, no knowledge of accounts XXXX XXXX XXXX XXXX provided XXXX XXXX PO REPORT and FTC report.
Consumer complaint received 2018-10-29
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. (IN)

Any time I try to contact Experian, I receive either an automated message from Experian stating they can't assist me by phone, and I need to send them my request via paper, or I receive the same response on the website, but I can never speak with a Human. I have sent all of my documentation in previously to obtain my credit report. 

When I tried calling the number on the website XXXX, I received an automated system that would not let me speak with a Human, but rather took my information and advised that I would have to mail my issue to the company with proof of who I am to assist me. I then called back and tried a different option ( you only have two ), trying to speak with a person, and the option again took my SSN, zip code, and the house number, and then asked me to record my name, and zip code, and then told me my 'request to add a security fraud on my account had been received and would be reported to all Credit Bureaus '. but not an option to speak with someone directly. 

this is ridiculous. If you are going to have control over anything with my credit, it should be mandated that there is an option for me to speak to a live person. Not just two options on a queue and a disconnection. 

I was finally able to speak with someone by contacting the corporate office in IL, and being transferred to 'special services ' to speak with someone. it shouldn't be this difficult to speak with someone there, period.