davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

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. 

XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX 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 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. 

Attached bellow is my credit report showing the inaccurate accounts. Also, attached shows XXXX has deleted some of these accounts because they have respect for the law and my rights!
Consumer complaint received 2021-12-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc. (TX)

I was contacted by a XXXX from Sentry Recovery stating that I am to pay a balance of {$6400.00} for a file that has been placed in the office by a company called XXXX XXXX XXXX. I made XXXX aware that I am a victim of identity theft, the account was fraudulently opened in my name and doesn't belong to me. XXXX provided me the information of XXXX XXXX XXXX. I contacted the company and so far 'been able to reach a solution. I would like all fraudulent account removed from my credit profile immediately.
Consumer complaint received 2018-10-15
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: U.S. BANCORP (NC)

XXXX client, XXXX XXXX is a victim of identity theft. She received a notification from US Bankcorp office that an account was opened using her information without her consent. She received a letter stating the issue was resolved however a review of her XXXX credit still has the fraudulent inquiry listed which is a violation for FCRA. An official dispute of this inquiry was provided to US Bankcorp XX/XX/2018 however as of this date, no reply or update has been provided.
Consumer complaint received 2018-10-15
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX  XXXX , XXXX/XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX  XXXX XXXX
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

I contacted XXXX XXXX XXXX about my XXXX XXXX card and XXXX XXXXXXXX card I informed them that I went through multiple family deaths within a year and a half & have been unable to pay my bills on time, I wanted to see if I was able to get a goodwill adjustment and what I was told was they would put me on a Hardship program ( which they did ) then after my 1st 3 payments on time they would remove all late payments ( WHICH THEY DIDNT ) I have contacted them to try to get this resolved and they are stating they can not do it now. I just want all late payments removed off my credit report so I can be able to finally move forward and purchase my home since Im finally back on good standing with my finances.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

GM Financial has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days. 

This morning I wake up to find that GM Financial has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and GM Financial has destroyed it.
Consumer complaint received 2021-07-15
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-05-03
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. (NC)

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. 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (AR)

TrueAccord is a third party debt collector claiming that I owe them an debt collecting on behalf of another third party debt collector. This is false and misleading pursuant to title 15 1692e ( 12 ). I have no contract between this debt collector. It is an infringement upon my consumer right 's to privacy for this third party debt collector to purchase my information to contact me, this debt collector violating my privacy pursuant to Title 15 USC 1692. This third party debt collector did NOT have any permission to contact to me at any time, violation of Title 15 USC 1692c ( a ). And have communicated with me more then once which violated Title 15 USC 1692b ( 3 ). Every contact states they are a debt collector attempting to collect a debt which is in violation of Title 15 USC 1692b ( 2 ). TrueAccord is constantly harassing me by even stating a owe a debt violating Title 15 USC 1692d ( 2 ). Everything they did was false and misleading, pursuant to Title 15 USC 1692e ( 10 ).
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian is reporting a alleged mortgage on my credit profile for something I 've never had. I do not have nor have I ever had a mortgage with XXXX XXXX. No other credit report is showing this information and after investigation Experian says it is accurate. That is impossible because I 've never had that mortgage. Do n't they have to provide me with proof that that debt belongs to me?
Consumer complaint received 2021-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-08-29
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. (NY)

My credit report is LOCKED ( not frozen ) and Experian DOES NOT PROVIDE ANY WAY TO UNLOCK IT. 
My request for a credit limit increase at XXXX is being denied because of this and I will never be able to apply for a new credit card. 
The lock was probably put on decades ago after my purse was stolen. The Experian website has a provision for freezing and unfreezing but not for unlocking. Their PHONE NUMBERS DO NOT PROVIDE ANY WAY TO REACH A PERSON nor do they have any option for unlocking. Freezing and unfreezing on the website gives me an error saying that my credit report is locked but seems to complete the freeze/unfreeze. ( A second attempt says that the file is already unfrozen ). The phone unfreeze option confirmed the unfreeze ( confirmation number XXXX ). After each of these unfreeze actions, XXXX attempted to get into my credit report but was still unable to. 
Experian has a product called Experian CreditWorks Premium which has a sub-product called Experian CreditLock which allows you to lock your credit file. I tried to enroll in Experian CreditWorks Premium in hopes that I could unlock it there. My enrollment was rejected because it said it could not verify me. Presumably that also was because my credit report is locked.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (NC)

Debt Recovery Solutions is in violation of 15 U.S.C.1692-1692P On XX/XX/2019 ( I ) XXXX XXXX reviewed my Consumer Credit Report to discover a invalid debt from Debt Recovery Solutions. 

I called and spoke with a person by the name of XXXX about this Invalid debt from Debt Recovery Solutions. Mr. XXXX who was both abusive, and oppressive with me ; in violation of 15 U.S.C.1692b (  2 ). 

Mr. XXXX also used obscene language against me ; in violation of 15 U.S.C 1692d ( 2 ). I then ask Mr. XXXX to remove this invalid debt from my report and to stop all collection efforts and he stated that he would refuse to do so. 

Mr. XXXX was deceptive with me in his attempt to collect a debt ; in violation of 15 U.S.C 1692e ( 10 ).
Consumer complaint received 2018-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is a complaint on Bank of America infringing on the 2nd Amendment rights of law abiding United States citizens. I understand the company is privately owned, but would not be in existence today if it were not for those taxpaying United States citizens. Bank of America must stick to the banking business, and stop discriminating against law abiding citizens. It is not ethical for the bank to use peoples hard earned money, that makes the bank richer, then dictate to these same people that their legal business will be destroyed because of being pressured by the politics of the liberal Left.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aqua Finance, Inc. (TX)

I had an account that was closed on XX/XX/XXXX XXXX which was for a Water Filtration System placed at my residence. The finance company is stating they placed UCC-1 Lien on my property which was never agreed upon, also this is an excessive amount that they have placed on lien.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (DC)

i was robed and atm and my pin number was demanded which the suspect withdrew funds from my account as instructed by td bank, i filed a dispute and td bank denied my claim stating that i gave out my pin number, however it was a life threatning cituation and the transaction were unauthorized, td bank failed to propaly investiagte my claim
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

My other complaint was closed. The problem was never resolved. I started this loan modification back in XXXX of XXXX. Everytime I fax paperwork something is missing, I refax it and they say something else is missing. I spoke with the relationship manager and while on the phone I faxed what he said was missing. Call back a week later the same stuff is still missing fax it again. Other documents are missing. Files a complaint with cfpb they got the companies response and they stated documents were missing. At the end of the last complaint I faxed the papers they mailed and said was missing on XX/XX/2022 and still nothing. This has been going on for 5 months now for a loan modification. This company has been sued my numerous states for mortgage mishandling. And I can't get anywhere with them. My only step is a lawyer now.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Someone opened and used XXXX using my information, I tried to explain this account doesn't belong to me and to investigate this matter. I asked for documents to prove if this account belonged to me and they didn't send anything they stated the account had been verified within 30 minutes of my disputing with Experian. Also, my personal information was in a data breach three times along with my social security being compromised and on the dark web which I have proof of. They are ruining my credit by falsely allowing this account on my credit report. I also know numerous people is having the same problems with XXXX.
Consumer complaint received 2022-06-12
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX Account # 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 2021-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

Filed a complaint regarding the deceptive tactics and misleading sales by a business using their platform to push sales ( XXXX ). Once the Bait and Switch ( Fee switched from a one time payment of {$490.00} to a monthly payment of {$490.00} without written permission ) was detected along with the detailed harassment the ensued, I requested an immediate refund per the Paypal process. They extended the deadline and denied the claim. My bank is also investigating this issue. The following is the detailed complaint along withe a copy of the submission. 

-High Pressure Sales Marketing Tactics and misleading price claims that failed to disclose the up-sell necessary for success in their membership. The neglect to provide the sufficient information to properly make an investment decision was accompanied by false oral and written claims that violate their terms of service. 
-Bait-n-Switch techniques and failure to perform promised services -for membership as stated was a one-time fee of {$490.00} to obtain membership -in order to access the XXXX database of members. And obtain Speaking engagements ( which I stated as a major reason for joining ). However, once I signed up, further emails expressed there were more obligations to obtain the lists and speak : ( 1 ) Completion a separate XXXX training or other up-sell as high at $ XXXX ( 2 ) Attend {$20.00} per week membership meetings for a drip list of attendees ( 3 ) Pay additional speakers fee of up to {$150.00}. 
-Marketing to my Mailing listing with harassing phone calls, text messages, and spamming emails when their offer was declined. Contacted by my contacts once these pressure tactics occurred. 

Terms of Service not as describe : XXXX : XXXX Paypal ignored all of these tactics which are a violation of truth in advertising rules in Section 5 of the Federal Trade Commission Act.
Consumer complaint received 2023-04-07
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. (NY)

This is my complaint to EXPERIAN. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Fifth Third Bank will be civilly liable under Title 15 U.S. Code 1692k if XXXX XXXX XXXX failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by Fifth Third Bank. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person
Consumer complaint received 2024-02-06
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX