davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-14
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Management Solutions, LLC (PA)

I called to verify the address to send my request for removal of a paid debt that is on my credit report. I spoke with XXXX XXXX at Financial Management Solutions, she stated that the address on the XXXX credit file for company was not correct. I requested the correct address to send my request for removal. As I proceeded to tell her that I was sending correspondence to have this debt removed, she became very nasty, would not answer my questions, and kept asking for my number, I requested again an exact explanation of the process she refused and begin to say I was arguing with her about my " unpaid debt '' I stated I was not arguing and if she gave me a chance to speak or complete my sentence without her bullying. I was very upset and she continued to tell me and insult me. I asked for a supervisor and she stated that was her and that she said all she has to say. I I told her I have a right to verify the information, she continued to state that I keep talking and not giving her my phone number. I asked again for clarification of the process and she hung up on me. I called back a gentleman answered the phone, I was transferred to her again and she started to yell, I said that she is required to validate the information, and speak to me in a respectful manner. I said if she does not stop being abusive I will report her. She oh you are threatening me .... and hung up on me. I am very upset and I still do n't have the information on how to get this paid debt removed from my account. Please help me.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (GA)

Equifax, in writing, requested that I provide additional information to verify my identity. Per their latter to me, dated XX/XX/2022, my identity does NOT match the information that they have on file. 

This is preventing me from establishing an online account with them, so their response makes no sense. 

When attempting to create an online account, this is the message that is displayed : " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' I have attempted to resolve this multiple times over the phone and each time I call in they say they are having technical difficulties. 

I need a full credit report from them and what they are reporting as my credit score. I had a negative outcome when a service provider issued a soft credit check with them and the result was negative. I need to determine why this is happening. I can not do so if I can not access my account online and I have not been able to resolve this by calling. 

I have sent the requested information via the USPS - Tracking number XXXX.
Consumer complaint received 2021-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc. (UT)

FIRST COLLECTION SVCS violated the the governed laws under FCRA 611 ( a ) ( 5 ) ( B ) by reinserting a previously deleted debt that was due to fraud and identity theft they failed to send any proper notice within 5 business days of reinserting the debt back to the credit bureaus. I am now filing a complaint with the CFPB for this violation as this is a willful and direct act of breaking the law.
Consumer complaint received 2022-07-05
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report & found late payment on the date below : XXXX 2019/30 days late???. I spent countless of hours on the phone with several representatives in regards to this error. I am not sure how this happened, I believe that I had made my payments automatically or when it was due. My only thought is that my monthly statement did not get to me. And also I been charged " cash advance fees '' for the type of transaction I was not aware of doing and your representatives mentioned that my interest rate spike to 27 % because of that. That's ridiculous and I wasn't aware. 

But what threw me off yesterday is that when the call was transferred to the Supervisor XXXX, she kept repeating an account number that doesn't belong to me. I had to tell her several times that she has a wrong account to a point that she confess and apologize that the previous Rep that was reviewing the wrong account with her. How can you guys mix my information with other individuals and especially after the breach you guys just had. This is really troubling me how my files are being held by your company. 

But again, I thought this whole time I had automatic payment and thinking that the statement would be mailed to me ... .It seems like the automatic payments are getting deleted somehow, which is ridiculous.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Total Card, Inc. (FL)

The company Total Bank Card XXXX XXXX XXXX is reporting the account was included in a Chapter XXXX Bankruptcy. That information is false! 

The credit Card was issued in XX/XX/2017 well after the Bankruptcy was discharged. 

My Bankruptcy was XX/XX/2017 and discharged 90 days later which would be XX/XX/2017. This card was issued XX/XX/2017. This was the first card I received AFTER my bankruptcy. So it could have never been included in the Bankruptcy.
Consumer complaint received 2022-02-12
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: CURO Intermediate Holdings (CA)

Im going through my credit report and I saw two debt collections from AD ASTRA RECOVERY SERVIC for {$300.00} each one. When I click on details it says its from a loan company called 12 SPEEDY CASH 7 and that the two accounts were opened on XX/XX/2019 and XX/XX/2019. Both of these accounts show that theyre closed, but stayed in collections currently. Ive never opened two accounts with this company before so Id like to report this as fraud because Ive never gotten a loan before and Ive never intended to get a loan before. Id like to get both of these collections removed from my credit report please. I have already contacted this debt collection company and reported these two accounts as fraud and they told me to file this report to get it removed from my credit report. I will attach two pictures of the company that put me in collections twice for two accounts both of the amount of {$300.00} with different opening dates but created in the same year.
Consumer complaint received 2022-03-21
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. (DE)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXate of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Top Flight Assistance (Top Flight Credit Assistance) (LA)

I paid {$1500.00} to Top Flight Assistance to help me with Credit repair services back i XX/XX/2021. Its been over 1 year now and this company has not delevered XXXX advertised. no one is responeding to my calls or emails. As a matter of fact it seems their customer service department perhaps the whole company is out of business. 

I fasely advertise and sell tradelines and Authorized user accounts. 

I want some sort of a refund for services not rendered and time wastered
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

I applied for a bank account with HSBC using a promotional link on XX/XX/XXXX. The bank is claiming that I did not sign up via this promotional link and they are unwilling to pay my bank bonus, even though I have met all the requirements. This is common for this bank in particular. The link I applied via is listed below, and I have screenshots and a print out of the offer. 

XXXX XXXX XXXX
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 states a consumer reporting agent can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi my name is XXXX XXXX since XX/XX/XXXX Trans union is not reporting anything on my account and they removed all my history I have ther now a XXXX score it use to be around 760. I called them multiple times they told to tell my lenders credit cards car loan mortgages to report I called them all they told me that they sending it to all 3 bureau the other 2 still reporting it only Trans union not. I called back Trans union they keep saying that tell the bank to report by us. But they all telling me they doing it to my account for last 23 years y should we stop ots Trans union problem. But they ignoring me and it hearts me yo take out a loan ..I uploaded to show you that on XXXX they removed everything..let me know what I can do..thanks so much
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (MS)

My mother has an account with Regions Bank in XXXX, XXXX  XXXX I was added to her account a couple of years ago to help her as she has failing health. I was called by the Regions Bank branch on XX/XX/2022, I was asked if I had made an electronic withdrawal for almost {$4000.00} on XX/XX/2022. I said that I hadn't and went to the branch to find out what happened. They showed me a copy of a check with my mother 's account number on it, but a fake name, address, and email address on it. I was speaking with XXXX XXXX and as she pulled up the account, she realized that there were other checks starting back around the middle of XXXX. My mother 's account was completely drained of {$56000.00}. She doesn't receive statements in the mail or email statements. She doesn't even have a computer. So, we didn't know the fraud was going on. The bank never caught these transactions, so they continued to happen until all of her money was gone. 
I filed a fraud report with XXXX XXXX and a police report with the XXXX Police Department. I also filed a complaint with Regions Customer Protection Center in XXXX, AL. 
I waited the 10 business days to hear back from the bank, then I received two letters from the bank. One listed all but four of the checks saying that I didn't dispute the checks within the time provided in the Deposit Agreement. They have yet to tell me what the time limit is. The second letter said that four of the checks the paper needed a signature to continue the investigation. I have no idea what the " Deposit Agreement '' is, as this is my mother 's account, and I was just added on. 
Bottom line, the bank is claiming no responsibility. That money is for my mother to live on for the rest of her life. Without it, she will be desolate.
Consumer complaint received 2021-04-14
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. (PA)

I have tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that XXXX, Equifax and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, Equifax, XXXX  and XXXX XXXX my last request was mailed 45+ days ago
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX CXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (GA)

I have tried contacting kickoff several time last month but no response, I pay them for there service and I get no response so they are just taking people XXXX XXXX XXXX XXXX  and never responding
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NY)

I received an alert that Comenity pulled a hard inquiry without my consent, and others are complaining of the same on XXXX and XXXX. I, along with thousands, have not been able to pay my bill or access my account in over 3 weeks, no online payments, or customer service etc. is available. So not only did Comenity report as delinquent which dropped my score, now they pulled a hard inquiry for some reason and dropped my score even more and as of today they are still unreachable and the website is down.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I filed chapter XXXX bankruptcy on XX/XX/2019, it was discharged on XX/XX/2019. In my credit reports it shows wrong dates which is effectively effecting my credit. Ive sent the credit bureaus my discharged, Nothing has been updated.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the late payment reported by on my credit report. Contrary to the information provided, I have consistently maintained an exceptional payment history with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX and all payments were placed on autopay. The late payment reported is a result of a systematic error on the creditor 's end in processing my payment. 

Since this is information you should already have in your possession I feel 15 days after receipt of this notice should suffice for the information being requested to be provided. 

PLEASE BE ADVISED THAT THIS REQUEST I SALSO BEING SENT VIA CERTIFIED MAIL! 

* XXXX ( Account Number : XXXX ) * XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) * XXXX XXXX XXXX  XXXX ( Account Number : XXXX XXXX This erroneous late payment is not a reflection of my payment behavior but rather a billing error made by the company, which violates USC Code 1681eb. The impact of this error on my reputation, character, mode of living, and my family has been severe.

I demand the removal of the late payment reported on my consumer report. The creditor is not in compliance with the law, specifically 15 USC 1666b, which sets standards and guidance for treating payments as late. According to 15 USC 1666b : " ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section XXXX ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. '' XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to send the periodic statement along with the disclosures from section XXXX ( b ). Despite my good faith request for proof that this information was mailed or delivered 21 days before the payment due date, it was never provided. 

This situation is unfair, illegal, fraudulent, and inequitable to me as a consumer. I urge you to take immediate action to rectify this error and remove the inaccurate late payment from my credit report. 

Please acknowledge receipt of this dispute letter and provide confirmation of the steps being taken to address my concerns. 

Thank you for your prompt attention to this matter.