davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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. (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 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-07-22
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. (TX)

was trying to purchase a home and pulled my score. notice some hard inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (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 USC 1681. 


1XXXX XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX bank # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A 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 reporting agency
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: APPLE RECOVERY, LLC (UT)

I do not know the person they keep trying to contact. I had this phone number for at least 7 years and I have never know any XXXX XXXX whom they are trying to contact. I did talk to the person who keeps calling and advised them that I am not XXXX XXXX, I do not know who he is or how to contact him. I was advised that they will take my phone number off their list but I continue to receive their calls ( for about a year now )
Consumer complaint received 2021-10-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (NC)

I sent 2 letters requesting original documents in regards to me allowing them to have my information but instead I keep getting answers that they have validated my debt in which I have nothing received anything in writing. They have provided no paperwork or original instruments stating I owe the debt nor can they provide any signatures in reference to me agreeing that I owe them for any products or services.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX We called to see what it was and they said to sign in with my debit card and wanted my information i put mine card number down on the pin and my zip code and i put it down they couldn't find me at all.I don't know who they are and they wanted my social security number i hung up because i don't give out my personal information out there. I only have one card and that from my bank in Texas I never been to Florida in 5 years it shows it from Florida on XXXX.
Consumer complaint received 2022-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Delivery Financial Services, LLC (AZ)

Hi, I received a letter in the mail today, XX/XX/XXXX from Delivery Financial Services , LLC stating we owed {$64.00} from XXXX XXXX XXXX back from a service dated XX/XX/XXXX. In this entire time, my husband who received the service and myself, his wife never received one bill or one notification of this outstanding invoice. I have tried to get in contact with someone from XXXX XXXX XXXX billing department but haven't heard back.
Consumer complaint received 2020-07-28
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-07-22
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. (IL)

I don't know why the XXXX Im submitting a complaint for the fifth time. These companies are on some XXXX  XXXX until you file a complaint with the courts.I have called this credit reporting agency about reporting this account issue in XXXX, They told me they don't go by the FCRA and they have to do their own investigation. I think that is XXXX! I am a " CONSUMER '' and they are just a reporting agency. the laws were set in place to protect me and my information. They sent me a XXXX  XXXX letter saying " they verified the information as mine!!!. They are clearly violating the law. They gave a weak excuse to weasel their way out of following the law or replying to me with the real information. Im not going to keep playing games and I will have to file court papers and get paid for these violations and the stress it is causing me everyday. I shouldn't have to write these complaint letters about a collection agency reporting adverse information on my consumer report.. Yes it me XXXX XXXX Experian and XXXX AND XXXX. don't try to XXXX  XXXX your way out and send a letter saying we don't know if this is you. yes XXXX last four of my social is XXXX. Delete the XXXX negative item you are reporting. Or should I spell it out ... {$1000.00} dollars for each violation. according to the FCRA. or does you company follow those laws.You couldn't!! 
Read number ( 5 ) As a matter of fact read ALL of the following... 15 USC 1681c : Requirements relating to information contained in consumer reports1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I did not give you written permission to publish this information on my report. No one nor did I give you the legal authority, you just assumed it.

So.. address the issue and delete the adverse information and don't tell people when they call in you do it your way, no you should do it according to the laws that are set in place.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : KAY JEWELERS Account XXXX
Consumer complaint received 2022-07-22
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. (IN)

In accordance with the Fair Credit Reporting ac US DEPT ED # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # 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
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to request assistance with XXXX. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately. 

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2018-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

On XX/XX/XXXX : I received email correspondence from Navient stating that I had an upcoming payment due. With a due date of XX/XX/XXXX. I called them on the phone to discuss this, as my loans were paid off in XX/XX/XXXX. I spoke with XXXX  ( employee # XXXX ) who said I was accruing interest daily and need to pay my bills. When I explained to her there must be a mistake, my loans are already paid. She was unable and unwilling to tell me why there is a debt posted to my account after several years. I requested an account history and payment information, she refused to provide this to me. 
After the phone call, I logged into my Navient account where my account has been changed to reflect a debt of XXXX. The posted due date online was XX/XX/XXXX ( which is different then the email that said XX/XX/XXXX ). 
A few days later, I received an email from Navient saying there was new information in my account. I logged in to find that my account information had again been edited to now show I was 210 days past due on this debt and in default. There were also new letters added stating they had been attempting to notify me, this never happened prior to XX/XX/XXXX. As well as letters saying my account was over paid and refunds were made. The letters stating my accounts paid in full are also now missing from my account, but had been there previously. I also have copies of my paid in full letters. 
In summary, Navient is attempting to retroactively charge a debt to me that is not mine. They are wrongfully changing my account information. They are unable to provide an explanation for the debt and are threatening me by phone and email to garnish my wages for a debt that is not mine and can not be explained. Each person who calls gives me different information, there is no consistency, no attempt to hear my side, or investigate the entire situation.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/XXXX I sent a Goodwill letter via email to the CEO of Capital One. In the letter I described the reason why I had fell behind the year prior on my payments and asked that they be removed due to searching for a home. On XX/XX/XXXX, a representative from Capital One called me to state that she received my letter and asked follow up questions. The representative also stated that I would have an answer by XX/XX/XXXX end of day. On XX/XX/XXXX the same representative called and stated that she could no remove the late payments. When asking the representative why I was denied, she stated that she had no answer. I then ask could I appeal the decision, the representative stated yes but that it wouldn't change anything. I did not make a payment between XX/XX/XXXX and XX/XX/XXXX due to moving to a new state for employment. During this time my wife could not find a job and I was unable to make the payments on time. Before XX/XX/XXXX and after XX/XX/XXXX I have made on time payments. I am working towards repairing my credit and searching for a home and this is one of the items hindering me from progress. I was financially unable to make the payments, however when I regained financial stability I continued to make on time payments and I have not missed a payment since.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

XX/XX/2018 Deposited via ATM {$1800.00} at a PNC Bank Branch in XXXX, VA into my PNC checking account. After taking my funds, the ATM immediately displayed a temporarily out of service error and my debit card was ejected shortly after. However, my account was not credited to reflect this deposit. I went into the bank to resolve this issue, but none of the employees at this bank branch has access to ATM. My only recourse is to file a dispute. The dispute takes up to 10 days to be resolve and for this entire time, I don't have access to my funds. Because of PNC 's faulty ATM, I don't have access my funds for days.
Consumer complaint received 2017-09-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Big Picture Loans, LLC (FL)

I was browsing the internet and came across a company Big picture Loans and I was in a financial burden I took out a small loan for XXXX $ and the company misled me and the interest rates were very high which was not stated initially and the payments dates were twice a month which is a tremendous inconvenience and placed me in more of a financial strain. Right now my balance is {$1100.00} which is outrageous can you please help me resolve this problem. This loan was given to me XXXX/2017. My account number is XXXX. Thank you
Consumer complaint received 2023-04-06
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: Bread Financial Holdings, Inc. (IA)

In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : Comenity Capital / Children Place, My Smile XXXX XXXXXXXX XXXX Comenity, XXXX XXXX XXXX. They are using my information to make fraud with my social security and affecting my credit. COMENITY CAPITAL BANK MY P.
Consumer complaint received 2018-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TN)

i called wells Fargo on XX/XX/XXXX to report my debit card had been used fraudulently and I needed to file a claim. the lady I spoke with went over everything with me and said she had opened the claim and that I would receive a temporary credit while the charges were being disputed. I was told she would sent this to the next dep't and it would be one or two days for the credit. to this date I've not heard nothing or have I received a credit for the disputed transactions. it is my understanding that they have 10 days to issue a credit which is up on the XXXX but the representative should have informed me that it would be 10 days.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (GA)

I couldn't afford to pay my car insurance because I was laid off so I was charged a month in advance for an auto policy. I had switched to a more affordable company but XXXX had already sold the debt to Caine and Weiner who I never had a contract with. Now they are reporting on my credit false information that has dropped my score XXXX points. It is also showing up as an open account. I haven't received any notice except the ones that are on my credit report.
Consumer complaint received 2021-10-20
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: SunTx Capital Partners (FL)

My company purchased two trucks. The loans, titles, contracts, etc. are under the company name. I'm NOT a cosigner. 

They are reporting on my personal credit reports. 

The accounts were closed months ago, and still they are reporting on my credit reports, when they shouldn't even be reporting on my credit reports, because I'm not the account holder. 

The accounts are reporting late, when the loans have NOT been late. Never. 

I've been trying to get it fixed for years. They always tell me that they are gon na fix it. But they never fix it. 

They have sent me emails saying that they will fix it, and they made a mistake, but they never do it.
Consumer complaint received 2018-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/2018 I was contacted via my personal cell phone by a woman from XXXX who identified herself as being with XXXX XXXX. She left me a voice mail to call her on a different number XXXX ext XXXX about an urgent matter and that I needed to call her by XXXX. 

I have no open accounts with any creditor other than a mortgage. I decided to call this number back from a different phone on XX/XX/18. I was pressed by the agent on the other line to give my phone # that I was called on and when I refused they asked for my social security number. I gave neither items. The first lady I spoke with gave me a PO Box with a zip code of XXXX. When I pressed her for a physical address so that I can come to their location and speak to a manager they transferred me to a XXXX XXXX. He also pressed me for my social security number and refused to provide nothing other than a PO box address. XXXX XXXX XXXX XXXX OH XXXX. The first lady may have transposed a number but it seems odd that an employee would do that. 

This may be a completely legitimate company but their collection and contacting practices are aggressive and predatory. When googling the name of the company this appears to be a legitimate bank but their communication tactics are questionable. 

I attached the voice mail left on my cellphone.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018 I filed CFPB complaint # XXXX against Transunion and I requested that Transunion remove a Fraud/Security Alert from my Credit Report/File. On XX/XX/2018 Transunion closed out the complaint by responding that they will not remove the fraud alert from my credit file until I prove them with verification of my Social Security number. Transunion also responded that a current driver 's license and social security card are acceptable forms of identification. Because of this, on XX/XX/2018 I filed CFPB complaint # XXXX against Transunion. In this second complaint I provided Transunion a copy of my valid current California Driver 's License and Social Security Card issued by the Social Security Administration. On XX/XX/2018, Transunion closed the 2nd complaint by responding that they are unable to delete the Fraud Alert since the address on my driver 's license does not match their database. This is false. The address on my driver 's license is on my credit report/file. Transunion also responded that a social security card is not an identifying document. This contradicts Transunion 's response under CFPB Complaint #  XXXX. ( please see page 2 of Complaint # XXXX ) Transunion is not properly handling CFPB complaints and consumer disputes. In addition to this, Transunion regularly marks disputes as " duplicates '' in order to avoid responding to them and in order to avoid addressing the issues raised in the disputes. This will be addressed in a separate CFPB complaint specifically for that issue. Please remove the fraud alert from my credit report and stop violating consumer protections laws.