davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (CT)

Been trying to speak to credit bureaus to dispute XXXX XXXX   but they say they verify its mine. They can not verify its mine because its not. Now I get phone calls and bill letters to pay them XXXX or I go to a Court Trail near my Residence. I have reported this Company twice to your branch and I still have gotten no were. Please have this Company verify me or remove this XXXX from my credit reports. Thank you
Consumer complaint received 2021-05-09
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: Experian Information Solutions Inc. (OH)

I have filed my complaint in XX/XX/2020 I NEVER received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX
Consumer complaint received 2021-10-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (NC)

I have written Santander Consumer USA and I have asked them to first validate a debt they are alleging I owe. Also I have noticed that they are trying to collect a debt in the state of North Carolina without the proper permits. I have contacted them on three occasions and they have not validated the debt. Also they say permit # XXXX Is valid in North Carolina but as you can see with attached they are not valid.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-10-23
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. (PA)

Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX is in Violation of 15 U.S Code 1681 N ( B ) 15 U.S Code 1681 A ( 4 ) 15 U.S Code 1681 A ( E ) 15 U.S Code 1681 A ( G ) Fact, Affiant is aware and has proof in attachment labelled Exhibit A that Equifax is in violation of ( 1 ) Federally PROTECTED CONSUMER RIGHTS bill willfully and knowingly, So they are civilly liable.
Consumer complaint received 2022-06-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX formerly XXXX using 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-10-12
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: Experian Information Solutions 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 XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-06-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX formerly XXXX using 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-11-06
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)

I XXXX XXXX have sent out my request to have this items blocked from my credit report as i am a victim of identity theft. I clearly stated that in my FTC report with all the information that i gathered. i have never opened this account nor have i benefited from this account i never obtain goods or service from this company called XXXX please see attached documents
Consumer complaint received 2022-06-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (MO)

Company : XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Repossessed XX/XX/XXXX Payments began XX/XX/XXXX and occured XX/XX/XXXX, XX/XX/XXXX late, XX/XX/XXXX late, XX/XX/XXXX communicated difficulty, arranged for payments, then made 5 consecutive payments XX/XX/XXXX, another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The car was still repossessed on XX/XX/XXXX after five payments and I was not informed or communicated with that it was going to be repossessed, I thought I was satisfactorily catching up ) The repossessor came on my dad 's property after my dad told him he was to get off the property and subsequently told my dad by threat of a physical fight ( intimidation and bullying, Fair Debt violation ) that he was not leaving without my car, all after I was not informed ( debt parking, violation Fair Debt Collection, XXXX XXXX ) that the vehicle was going to be repossessed. A reasonable person would have thought that after. A conversation about catching up and making five subsequent full monthly payments with no communication otherwise that I was not at risk of losing the vehicle. Moreover it happened with threats and coercion while trespassing at night in the cold. Now there was communication that the vehicle sold at auction XX/XX/XXXX but nothing after that. Now nearly 6 years after the signed promissory not and only the communication stated above i was served papers to be in court. I called to try to work something out and no one returned my call. I think that violations have occurred and that my debt should be reconsidered since I have been harmed ever since credit wise. I could have continued to catch up ony payments but they didn't allow me the chance. I am a single mother of three with no child support and this has been detrimental. I can not get an auto loan at a reasonable rate and it has unduly affected my credit, my children 's well being and mine. I want this handled.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ARVEST BANK GROUP, INC. (AR)

My arvest bank account is frozen and locked up there pressing charges on the two gentlemen that committing fraud on us I posted on XXXX that I needed help with getting my kids XXXX and XXXX XXXX and he asked for my phone number so that his account offer will be sending XXXX and he will be sending more than XXXX and I was supposed to send the rest back to his partner and I have all texted and messages from both gentleman and lucky my bank cought this and is helping us press charges and my name is XXXX XXXX if you need anything from me please contact me please at XXXX
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello I am writing in regards to capital one secured credit card that I received in XX/XX/2020. I chose capital one because of there credit reputation of helping first time consumers credit. 
However, after receiving the card, which took an extra 2 weeks to receive because they sent the first card to wrong address, I have had constant problems with there company. They do not hold any of there terms and conditions they allow families to sleep on the streets do to refunds on motels being held by XXXX and capital one knowing they would receive a refund they refuse after 16 hours on the telephone to credit account. Upon calling them, know one knows which debt to connect you to, none of t b ere employees have decent customer service and extremely unprofessional, as if they hire uneducated human beings. My husband has been treated extremely unfair as they closed the account on fraudulent admissions of allowing charges not charged by us and they refuse to hear there consumer. We are told he is being sent to collections when our bill was XXXX we have now paid XXXX and they continue to take money out our account can you please forward this matter ASAP as we are trying to build credit not be treated unfairly by capital one. 
Thank you and XXXX Bless MR.XXXX
Consumer complaint received 2021-10-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

I have had problems with Experian before so I filled with CFPB so Experian just canceled my product and when I restored it they said they need all this information and proof its me. I cant even do a dispute on line. I have to call in talk to someone that doesnt even speak good English and on and on. No for the last six months my report doesnt get updated. XXXX XXXX XXXX  had to send me my payment history. Experian said its reported right and XXXX XXXX said Experian is not reporting updated information because they are short staffed so they are a few months behind. Well thats great for adding higher interest rates. What a scam. Please investigate them. The owner needs to go to jail!!
Consumer complaint received 2021-10-23
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: Nelnet, Inc. (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (WA)

I have had no contact with this company. They put this on my credit report, dropped my credit score by XXXX points. This was identity theft someonenin Texas has been using my information to get medical attention and now to get cable services using my information in Texas. Somewhere i have never visited let alone lived.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (SC)

On XX/XX/2021, I ordered my free annual credit report ( to include all three credit bureaus : Equifax, XXXX, and XXXX ) by way of telephone number XXXX. After the automated system collected the required information, it stated that I would receive the credit reports within 15 days ; however, today is XX/XX/2021, and I have not received the reports. The reports should have been received no later than XX/XX/2021. Given the reports contain a significant amount of personally identifiable and other confidential information, it should NEVER be in the hands of identity thieves or other perpetrators. For example, the reports contain confidential information such as : creditors and account information, account numbers, balances, payment amounts, employment information, current and former addresses and phone numbers, and other confidential information.
Consumer complaint received 2024-03-21
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 (PA)

On XX/XX/XXXX we requested a transfer of funds form our Merrill account. As instructed we filled out the form for a one-time non-retirement distribution. The fund was to be wired to our account in XXXX XXXX. It has not happened. We have called multiple times, assured it would happen, and it has not. We have not got a clear explanation why nor offered any remedy. 

We could provide the document that we faxed to them but the instructions above say not to include the information it would contain. This would help the company identify our account and do something but the instructions say do not include such information.
Consumer complaint received 2021-10-23
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. (CA)

Since XX/XX/2021, I have disputed an error being reported on my Trans Union credit report 5 different times and yet to be resolved correctly. In XX/XX/2021, I purchased a home and sold my other. I had an open equity line of credit that I paid off in full and closed in XXXX, 2021 with XXXX XXXX XXXX  of an amount shown as {$14000.00}. It shows that it was last reported to Trans Union in XXXX, 2021. It has been six months now with it still being reported as open with a balance of {$14000.00}. It was a joint account with my wife and it's closed on her Trans Union report but not mine. I've called XXXX XXXX and Trans Union several times and they always give me the run around without fixing my report. XXXX XXXX tells me that I have to dispute with Trans Union and Trans Union tells me I need to call XXXX XXXX to report corrected information. It's been 6 months since I have sold that home and closed account. No problem with XXXX or XXXX. Thank you!
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

To whom, it may concern my name is XXXX XXXX XXXX I am writing to inform that after reviewing a copy of my credit report I have discovered that I am a victim of identity theft because there is an account in my credit report that is fraudulent ( including 2 inquiries ). The situation has caused me to be very depressed and troubled. I am in the process of buying a car for my son that is going to college and I want this matter to be fixed ASAP. Thank you very much.
Consumer complaint received 2018-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Ability Recovery Services, LLC (CA)

The company calls me repeatedly at XXXX. I have tried to call to even find out why they are calling and they wont tell me. They argue saying I live in Indiana when I live in California and have never lived in Indiana. Wont tell me what they claim they are calling for. They hang up on me when I ask for a supervisor or tell me one will call back and they never do. 

They just harass me!
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (NC)

in accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15usc 1681 section 602 sates i have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consomer reporting agency can not furnish a account without my written instructions 15 USC 1666b A credito may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-26
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. (IL)

Experian Dispute # XXXX XX/XX/22 my Credit Score with Experian was XXXX. As it had been for a long time. 
XX/XX/22 Experian requested I renew my banking link for their " Boost '' program, which I did. 
XX/XX/22 my score dropped XXXX points to XXXX due to new debt of {$820.00}. This was the total of my XXXX, utilities, and garbage bills for the month which are the accounts they use for their " Boost '' program, not debt. I always pay these bills on time. My total credit limit is XXXX with my credit cards with XXXX balances. How could this so called debt drop my score by XXXX points? 
XX/XX/22 I filed a Dispute " as they advised me to '' and terminated my " Boost '' program XX/XX/22 my score dropped another XXXX points for terminating the " Boost '' program. They only gave me XXXX points when I originally joined the " Boost '' program. 

In one week, they reduced my credit score to XXXX points!
Consumer complaint received 2020-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CO)

company is attempting to collect a debt that is not owed and if the amount is owed I did not make the charge. The company did not send anything to my home address and put charges directly on my credit report. This is wrong, no proof of debt.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.