davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

First for a couple of months Victoria Secret kept changing their terms and my husband had the same card, but wasnt experiencing the same issue. After long thought out decisions I decided to cancel the card and advised the creditor I would pay the balance in full in a month or so. Im currently unemployed and not receiving any benefits. Comenity Bank every single day, including Sunday is calling my house, my cell several times a day, they leave no message whatsoever. I think this is extremely abusive, no sooner than they call my house phone, then they are calling my cell phone. Doesnt the law require them to leave a message with a call back number. Also, I dont appreciate a representative going through how much I owe and then asking me how I would like to take care of this today, they are assuming that just because they spoke to me I have the money and Im going to be making a payment right then and there. I especially dont appreciate this creditor calling me on a Sunday and the majority that are calling are either from XXXX or the XXXX and many times dont understand or even care about the details they are giving you, the only thing they concentrate on is that they are going to get a payment from you. After working in the banking industry and knowing about the fraud that goes on in these countries Im not confident in giving them any of my information.
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (WV)

I had on multiple occasions sent emails, calls etc to Netspend that was allowing people not myself to open accounts These people rented on my name hotels cars etc and didnt return or had charges on them and was never me I had no k owledgw
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-08-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

CREDIT REPORTING AGENCIES IS NOT FOLLOWING FCRA AND FDCPA LAWS. 

THEY FAILED TO VERIFY AND VIOLATE THESE NEGATIVE ALLEGED ACCOUNTS. 

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX Transunion and XXXX
Consumer complaint received 2022-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (CA)

XXXX XXXX says they purchased a charged off debt of {$3700.00} from Continental Finance. Im not familiar with this bank. I also discharged bankruptcy in XX/XX/2013 but this creditor isnt listed. This also has never appeared on any of my credit reports.
Consumer complaint received 2023-06-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the XXXX XXXX XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I Want to ask you to remove delinquency in XXXX 's account. 
Creditor has agree to remove the delinquency and a copy of their letter is attach. 

Thank you.
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I opened the checking account with HSBC and was approved on XX/XX/2018 under the promotion that I would receive a bonus of {$350.00} for depositing {$10000.00} for 90 days. I deposited to money on XX/XX/18 and have kept the money in it. I have fulfilled the terms and the bank didn't pay put the bonus. It has been almost 3 months since I fulfilled the terms
Consumer complaint received 2019-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

THROUGH OUT THE YEARS COLLECTION AGENCIES CONTINUE TO PUT THIS IN MY REPORT AND THEY TAKE IT OUT HERE IT IS AGAIN PLEASE FINE THIS COMPANY FOR FALSE INFORMATION XXXX XXXXTO : FCRA ALL and CFPB CSS COLLECTION {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open New York State Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX This company has violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

XX/XX/XXXX Attention : CSS COLLECTION XXXX XXXX XXXX XXXX, MA XXXX I am requesting a validation of CCS XXXX XXXX due to this company has been inserted in my credit file once again. This entity has been removed serval times please request a validation for the 3rd time. I ask that you remove XXXX XXXX from my report. 
Remove your derogatory remark from my credit report. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2022-07-11
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. (FL)

I XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I fell behind with my mortgage payment during the years of XXXX and XXXX. I worked with the mortgage company, ( Bank of America ) and received a loan modification. However by the time the modification was approved, I owed Bank of America about {$14000.00}. Its roughly 5 months behind in our mortgage payment. This amount is not subject to interest or penalties. However, I was informed by the Treasury Department that bank of America received a bailout from the government for all of these modifications. I think Bank of America has received payment from the government for my {$14000.00} and they are still holding me liable for this amount. Please investigate the reason why I still see this amount on my mortgage statement every month since the modification has been approved and Bank of America collected funds from the government for mortgage modifications.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

On, XX/XX/XXXX I requested a copy of my credit report from all credit reporting agencies. I received my credit report from all agencies to check for any clerical errors that may have been created without my consent, only to discover the agencies reporting inaccurate information on my credit report. The reported names are inaccurate, addresses reported inaccurate. In XXXX of XXXX, I disputed all inaccurate information with XXXX, Equifax, and XXXX agency, without receiving remedy. Reporting inaccurate information is a violation of consumer rights, 15 U.S. Code 1679c - Disclosures : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
Consumer complaint received 2019-07-14
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. (FL)

My current XXXX shows on XX/XX/2019 is XXXX, which is 22 lower than last month ( XXXX ) score of XXXX ; I always get my FICO monthly provided to me by my bank. 

Please correct or advise me as needed, since even though I just check the current Annual Credit Report and none of the negative impacts or any recent hard inquiry was shown in that report. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-07-14
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: DISCOVER BANK (CA)

I have reported identity theft to XXXX. I sent them a police report identifying the Discover credit card account, and the other supporting documents that they require. XXXX has refused to follow FCRA 605B and delete the fraudulent information that is identified in the police report. I sent it more than XXXX days ago. 

The Discover account that must be deleted and blocked for identity theft is XXXX opened XXXX XX/XX/2012 and it has a fraudulent balance of {XXXX} on it. I have also provided the police report and my statement to Discover about this account and they refuse to follow the FCRA and remove it as fraud as they are required to do within XXXX days. 

It is becoming a common problem that XXXX refuses to follow the law, and they are acting to harm consumers knowingly and willingly. Discover is also particularly bad at following the law and removing fraudulent accounts.
Consumer complaint received 2023-06-26
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. (PA)

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States i have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have credit inquiries on my report. I previously filed a police report and FTC report for Identify Theft and these inquiries are a result of the identity theft. I do not know what these inquiries are for and I did not authorize them. Here is a list of unauthorized inquires. 
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 2019-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This issue concerns a XXXX XXXX credit card that gets fairly infrequent use. After paying off the account balance inXX/XX/XXXXXX/XX/XXXX, as I do each month when the card is used, an additional transaction posted, payment for which was evidently due in early XX/XX/XXXX. No statement was ever delivered to that effect. No late notice was delivered. No phone or postal mail correspondence followed up on this balance. 

On XX/XX/XXXX, XXXX reported a past due balance of around {$110.00} ( {$70.00} of which is late fees ) to the credit bureaus. When I immediately paid the balance and inquired as to why they had sent no email statement and had not followed up with an email reminder, postal mail statement, or phone call prior to reporting to a credit bureau, the customer service agent said ( 1 ) that they are not required to deliver statements and ( 2 ) that they are required to report past due accounts to credit bureaus and can not then undo the report. Neither of these is true. When I reminded them of their obligations under the Regulation Z dispute process, they declined to take action and instead suggested I call ( the law requires written notice of the dispute, which I have provided ). 

I acknowledge the underlying {$40.00} transaction as legitimate. However, with more than 10 years of on time payment history, the only reason this was not paid is because no statement was ever delivered. Their total failure to follow up is debt parking, and while that practice may not be illegal, the customer service response that lies about the law is completely outrageous. They are required under 12 CFR 1026 to deliver statements, and no creditor is required to report late payments ( or prohibited from correcting errors ).

The idea that an 11-year account holder should take a hit on a credit report that will last for years because of a {$40.00} purchase that was never properly billed, and for which  absolutely no effort was made to collect prior to reporting as delinquent, is a black mark on XXXX for allowing their card servicer to behave in such a customer-hostile manner.
Consumer complaint received 2020-09-14
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. (FL)

I was informed of an account open without my knowledge. I filed an FTC report and a police report and submitted a dispute to Equifax on XX/XX/XXXX under conformation number XXXX regarding an XXXX being on my credit report, an account that I was not aware of, and XXXX XXXX XXXX, which is an account they have listed shows a XXXX XXXX which is not my name. I provided my Passport along with SS Card to Equifax. 

On XXXX XXXX. I received an email from Equifax that they had completed the investigation and both was reported as verified and remains on my account. 

On XX/XX/XXXX, I contacted Equifax to asked what information was provided by the creditor that this was my account. I was told it was not the creditors responsibility to provide proof and that my FTC report did not have the account number for XXXX. How do I'm suppose to know an account number for an account that I have no knowledge of. 

There was no proper investigation that took place within 5 day and there is no record of the other party responding within 5 day. 

I was told that I have to submit another dispute regarding the account again that would take another 30 days and update my FTC report. 

I've contact FTC and providing an updated FTC report. and police report. Police report has blacked out my name and address due to Identity Theft according to XXXX XXXX Police Dept.
Consumer complaint received 2023-06-26
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. (SC)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (FL)

I noticed a fraudulent charge on my credits reports in the amount of {$510.00}. Please be advised that I am not aware of this charge nor did I give any consent to anyone to charge or use my account. I am currently trying to refinance my place and this is affecting my scores. I would greatly appreciate it if this charge can be moved out of my report right away. 

Thank you for your attention towards this urgent matter
Consumer complaint received 2022-08-28
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: Global Lending Services LLC (VA)

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,