davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NJ)

XXXX / XXXX / 2017  : I went onto the  XXXX  website to purchase several dresses and  2  blouses. According to the website, I have a {$400.00} credit line that shows as an active available credit line. But when I tried to make the purchase, I got a message to call customer service. I was told despite my {$400.00} credit line, my card was blocked due to inactivity. I was told that the block could be removed with no problem. But when I was transferred to the credit dept. I was told that they could not reinstate my credit line because Comenity B ank, ( the Bank ) reran  my credit report & would not reinstate my credit line. I called Comenity Bank whose representative said the same thing. To date when accessing  my   XXXX  account it still shows up as an active credit line of {$400.00}. I was never notified my card and my account was in inactive status. As a  XXXX  woman, it is already difficult for me to purchase clothes in my size and this store is one of few stores where   XXXX   women can purchase clothing that fits. I am very angry & upset that this occurred & want my account reinstated with my full credit line.
Consumer complaint received 2022-04-11
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. (IL)

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 permission.

15 U.S.C 1692 C
Consumer complaint received 2017-06-26
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft. Someone stole my personal information and opened a fraudulent and unauthorized checking account wi th    XXXX   XXXX   XXXX    ,   XXXX   XXXX   XXXX  and  XXXX   XXXX . The checking accounts are listed on Chex Systems consumer report and are fraudulent, unauthorized, and do n't belong to me.
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MI)

Paid  XXXX . I have a deletion letter as well from the company stellar recovery on  XXXX  account  XXXX    XXXX   file number  XXXX . and equifax is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I did not get a notice that I was being sued for a debt. I found the debt on my credit report and did not get a notice or anything to dispute this. The company  is Hunter Warfield. The amount is  XXXX  . The letter was sent to a friends house. This is total violation of privacy. I never got the letter until al most a year later. The address listed is not my address.
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Kohls credit card is stating that I made a charge of {$14.00} on XX/XX/XXXX. I did not authorize this transaction. I moved to a new address and never received a bill for this transaction. They have now reported this as 30 day late on my credit bureau, reducing my credit score by XXXX points. When I contacted them to understand why my account was reported in error, they initially told me there was not a problem and no late payment. Now they are stating that I did not pay the {$14.00} charge which was due on XX/XX/XXXX. They initially didnt charge a late fee but since they didnt get a payment on XX/XX/XXXX, they charged a {$15.00} late fee and reported the account 30 days late. They have now placed the transaction in dispute and waived the fee but stated they are unable to reverse the credit reporting. In the midst of this, I moved to a new address in XXXX and thought this account was at XXXX balance. As a result, I have not received a bill for this transaction and didnt know it needed to be disputed until the inaccurate reporting. I would like my credit bureau cleared immediately.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (TN)

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX 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 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 2024-01-19
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. (MD)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX {$1000.00} XXXX -- XXXX XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$730.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$710.00} XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-11
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. (AR)

Experian and XXXX are reporting an inaccurate account. I sent letters out and XXXX was the only bureau to remove the negative account. Experian and XXXX have failed to respond with any proof of this account within 30 days. Please remove the following account from my credit report immediately XXXX XXXX XXXX
Consumer complaint received 2022-01-27
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. (TN)

I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2022-04-11
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. (TN)

To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2017-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (SC)

National Credit Systems did not present a contract ( VERIFICATION OF DEBT ) as requested. National Credit Systems -- claimed they will send me verification documents but I have yet to receive anything verifying the debt.Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor. Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency 's fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. ( 5 ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii ) reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor 's records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.
Consumer complaint received 2022-04-11
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. (TN)

To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Continental Finance Company, LLC (TN)

After speaking with continental finance about my issues I am having I have received several calls of harassment within minutes of each other. I called back the number showing in my caller id and confirmed who was calling... ..the cards is surge. And I have gotten usually 25 calls within 2 minutes two or three times a day everyday .the number calling me shows as a local number XXXX XXXX.
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (TN)

Spring Oaks Capital ( SO ) did not disclose the date of last activity, incorrect balance, status incorrect, my file has not been corrected. I am requesting due to this violation I have the right to request deletion, because the law demands deletion.
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

Lakeviews site has been down and when I contacted them I was told their site was under maintenance, not to mail payment. They could not provide more information and did not disclose that there had been a security breach, which I found out on XXXX. XXXX access is also down. The representative could not provide a direct answer on whether or not there would be late fees if the access wasnt restored before the due date and also made no mention of data at risk. The websites do not provide any information about the breach.
Consumer complaint received 2017-06-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

This is to inform you that inXX/XX/XXXXXXXX Ocwen loan servicing illegally foreclosed my property. On XX/XX/XXXX I received an illegal annual Escrow Account Disclosure Statement and a voice recorded created by Ocwen loan Servicing stated that in XX/XX/XXXX I made a payment in the amount of {$5.00}, XXXX also on XX/XX/XXXX my property was transferred to their Real Estate owned ( REO ) because due the lender placed Hazard insurance and taxes, also in XX/XX/XXXX I received an Delinquency notice from Ocwen stated that Im 1912 days delinquent on my mortgage loan. My account first became delinquent on XX/XX/XXXX. Please be advised that I never make any payments to Ocwen loan servicing until XX/XX/XXXX regarding the approval pending loan modification. This is totally fraud because I paid XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX until XX/XX/XXXX I made two payments to XXXX XXXX XXXX claimed that I missed XX/XX/XXXX payment. I also paid my home insurance since XXXX until XX/XX/XXXX and taxes since XXXX to XX/XX/XXXXexcept in XX/XX/XXXXOcwen paid my property tax, because Ocwen went ahead paid early thats why. Ocwen s use of inaccurate and incomplete information to collect mortgage, tax, and insurance payments, loss mitigation issues to proceed with foreclosures including balloon payments. Exactly what Ocwen done to me after I paid an attorney {$11.00}, XXXX because they promise to work with me then I dropped the law suit against Ocwen. Because Ocwen admitted that Ocwen incorrectly foreclosed my property onXX/XX/XXXX they sincerely apologize for any inconvenience this may have caused. Further, please note that they are in process rescinding the sale on the property. Instead I received a loan modification mortgage in the amount of {$220.00} plus a balloon payment in the amount of {$150.00}. XXXX Ocwen does not respect the Law, Owens continue lying and serve investors loan to harm home owners
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

IDs XXXX XXXX Dear XXXX & equifax XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Pictures of proof included XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR XXXX
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

Someone from XXXX bank called our house looking for my husband and said they sent court summons to attempt to collect a debt and did not. We do not know about any XXXX debt or line of credit. They threatened to attach my wages being his current wife. No attempt to reach us has happened and they said it was a debt from 2001 They wanted me to settle over the phone for 9800.00. giving me a case number of XXXX. My husband has no knowledge of this debt unless his ex wife took it out. The phone number was a dispatch dept. XXXX
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.