davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I made a payment on my sisters account once in XX/XX/2021, using my bank account and I did not click or authorized Comenity Bank to save my information now since then Comenity Bank have been charging me the payments she made using their automatic system and even though shes been asked to verify the bank account number shes using to make the payment and the system verifies the correct bank account Comenity Bank still charging me for her payments for the months of XXXX, XXXX and XXXX I called Comenity Bank and spoke to XXXX, who kept me on hold for more than 30 minutes to get a manager because she didnt know how to resolve the issue and at the end she never got the manager on the line, then all of the sudden the call got disconnected, we called back just get someone else and start all over again the representative didnt know how to delete my account from my sister Comenity bank account, he got a supervisor named XXXX also in the same office as the previous representative location ( XXXX XXXX ) and she didnt know either so she got a specialist in checking and savings accounts on the line named XXXX employee number XXXX in XXXX XXXX that didnt know how to resolve the issue as well, he was very unprofessional antagonizing me telling me I didnt need to be on the call because the issue was on my sisters account that I was insulting him all this because I asked to speak to his manager or to have his manager to call me back he refused and the solution that he provided was for my sister to make the monthly payment this time on the phone I asked XXXX to follow up the allowed time to check if the account was removed and give my sister a call back and he flat refused to do that, however my account still on my sisters account he didnt remove that information I was so irritated and aggravated after 2.5 hours on the phone and him antagonizing me telling me that I was been disrespectful that I called him XXXX, then he says see you are now disrespecting me and hang up the call all he was doing was trying to get a reason to disconnect the call because he didnt know how to resolve the issue, when the payment was made using the easy pay option I never authorized Comenity bank to save my information, my sisters account can be look up by her name XXXX XXXX phone number XXXX and mine is XXXX XXXX XXXX my phone number is XXXX Comenity Bank can access or look up the accounts with this information I want my bank account ending on XXXX completely remove from my sisters account
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

We previously had XXXX XXXX & we were transferred to NewRez/Shellpoint Mortgage Company. They provided free telephone payments and issued a charge if you made online payments. I just received an email that they are now charging for the phone payments and charging {$1.00} for online, if acceptable in our state. I wanted to know if Illinois was allowing them to charge us {$1.00} for this online " service. '' Also, how can they charge money for paying your own mortgage? I called NewRez three times going through the prompts. All three times, when you choose to wait for a representative, then a short 10 second wait and you are disconnected. This is our mortgage company and there is no way to contact them? It is beyond ridiculous and I need them to accept calls. They are terrible with customer service and confirmations. They are not professional at all.
Consumer complaint received 2021-06-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC (CA)

I keep getting calls from XXXX XXXX with Compass Recovery Group. The voicemails sound like a recording. The numbers she's called from are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. In the recordings, she says to call back at XXXX XXXX XXXX XXXX. She doesn't reference what creditor or account she's calling in regards to. 

I also, got an email from XXXX ( see email attachment ) that has a link to a debt settlement but no other account information is listed to show what debt this is referring to. I don't know if this is a scam or not and I would like CFPB to do an investigation on my behalf.
Consumer complaint received 2021-02-13
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  XXXX   on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-03-29
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: PENTAGON FEDERAL CREDIT UNION (CA)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
These are the creditors as follows : 1 ) XXXX XXXX XXXX XXXX 2 ) Pentagon Federal Credit Union 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXXXXXX 5 ) XXXX
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2021 there was fraud on the credit card. In XXXX there was fraud XXXX  charges and in XXXX there was spoofing of XXXX to make more fraud charges. They are clearly fake charges and illegitimate charges made to look like XXXX should not be the responsibility of the customer but the financial institution. 

Additionally Chase fraud department lied to me telling me that they had proof of XXXX being legitimate transactions. Only after I called XXXX did they change their story and tell me that I reported the issue too late and therefore they will not assist me. I think their fraud department may be in on the scam or leaking information.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XXXX I deposited a payroll check for XXXX. The bank made XXXX immediately available. Once I spent the XXXX, the bank decided to place a 10 day hold on the entirety on the XXXX XXXX check and took back the XXXX available. This caused my account to go into the negative XXXX, which they are now charging over draft fees. My account is over the required 30 days, never been in overdraft and account in good standing. This practice is to generate overdraft fees for accounts that are in good standing and risk adverse. Plus a 10 hold for a government check, where funds should be made available the next business day.
Consumer complaint received 2022-06-18
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: Lincoln Educational Services Corporation (FL)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. These are the accounts I demand removal Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 2018-05-14
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. (TX)

Tradeline on my report from XXXX XXXX has been closed since XX/XX/2015. However a recent late payment is being reported.
Consumer complaint received 2024-02-25
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. (GA)

In the recent Credit File Disclosure provided by TRANSUNION, there are several reporting practices that explicitly violate the consumers federally protected rights. Consumer states for the record NO opt out notices were EVER provided, specifically now referring to the opting out of the sharing of nonpublic information with nonaffiliated third parties, pursuant to 12 C.F, R 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, TRANSUNION is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting AND 15 U.S. Code 1681e - Compliance procedures specifically Accurate Reporting. Transunion is now committing willful noncompliance and negligence. TOTAL LIST OF THE inaccurate items reporting without consent are highlighted in the attached Credit Report and outlined in the letter sent XX/XX/XXXX. They include : 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 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  All checking account and XXXX XXXX YOU HAVE NO CONSENT TO OBTAIN AND/OR SHARE THIS INFORMATION AND YOU FAILED TO PROVIDE OPT OUT NOTICES FOR CONSUMER TO REVIEW THEIR OPTIONS.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account Number : XXXX Please remove it from my credit report. 

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (NE)

On Monday XX/XX/XXXX XXXX XXXX called me 3 times outside of lawful hours. Two calls at XXXX and one call at XXXX. I have screenshot of the phone calls to prove this. I also have record of them calling me excessively, including four times yesterday on XX/XX/XXXX at one time I answered and told them to stop calling me. I am only one month behind in my payment to them yet they feel it necessary to call me excessively and now they have decided to break the law and call me at XXXX. This is illegal
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

There was an credit that was opened on XX/XX/2014 by XXXX XXXX XXXX. 

This account was created by XXXX XXXX XXXX XXXX XXXX XXXX. 

I was admitted into XXXX XXXX XXXX XXXX. Seen by XXXX XXXX physicians. When i was billed the hospital awarded me charity and I was only responsible for {$25.00}. 

I called hospital and they informed me i wouldn't and shouldn't receive any other bills because I wasn't liable. 

XXXX XXXX sent out a letter to me and the XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX. 

XXXX XXXX XXXX informed me they did not care and wouldn't remove the account they wanted money. The most unprofessional conversation I have ever had.
Consumer complaint received 2022-07-24
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. (VA)

In accordance with the Fair Credit Reporting act XXXXt Account # s, XXXX - XXXX XXXX ; XXXX - XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had numerous creditors send me results XXXX  XXXX explaining that my credit score is XXXX the dates are XX/XX/2022 from XXXX XXXX, XX/XX/2022 from XXXX XXXX, XX/XX/2022 from XXXX XXXX and XXXX XXXX, on XX/XX/2022 from XXXX XXXX ; I use 3 credit monitoring services, all 3 report the XXXX score at XXXX for the last 4 months ( see attachment )
Consumer complaint received 2020-02-03
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: CL Holdings LLC (FL)

A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX   Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I recently received a copy of my Experian credit report, and I noticed an late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. Best regards, XXXX XXXX
Consumer complaint received 2022-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. These are the accounts I demand removal Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 2022-06-18
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: EQUIFAX, INC. (FL)

after a check of my credit report i ask the credit bureaus to do a detailed verification of these accounts, all came back verified. after checking, i find multiple inconsistencies and errors with these accounts after they claimed to have did their checks, i also did not authorise in writing that these accounts be posted. 

in accordance to the fair credit reporting act XXXX account has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I purchased my home in XXXX and my loan was with Bank of America. I am in the process of selling my home and I found out a month before it was listed that my mortgage was sold to XXXX XXXX XXXX in XXXX of XXXX. Bank of America continued collecting my payments until XX/XX/XXXX and now XXXX XXXX XXXX is claiming that my loan is in default and threatening to foreclose. My house was supposed to close on XX/XX/XXXX. They are trying to charge me the back payments, penalties, and interest. I would need to bring XXXX to sell a house I purchased 13 years ago. Please help me as soon as possible.
Consumer complaint received 2018-05-14
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. (MS)

I have been sending disputes to Equifax every 35-40 days since XX/XX/2017 and on multiple occasions the results where received less than 7 days or longer than 30 days. I even sent letters for verification of method used to investigate and haven't received any response either. I Have yet again sent out a letter for verification of proof on XXXX XXXX and Equifax still has not provided me with PROOF. They said the updated information which they have not.
Consumer complaint received 2021-09-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (MD)

Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. and they havent responded in over 30 days..