davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (NY)

I got an alert that a new inquiry was made, from my credit reporting service, credit sesame. I also got an email from the company in question saying my application was denied. Both the inquiry and email are dated XX/XX/2022. I did NOT apply for this card and I've tried calling them and you are placed on hold, l finally got someone on the phone who refused to transfer me to their fraud department and told me it would take 5-7 days before they even send me paperwork to open a fraud investigation. This is utterly unacceptable. I managed to use my email was was used during this fraud attempt - and found the address which is in New Jersey ( screenshot attached ) The inquiry was reported by XXXX. Upon reading comments on the XXXX XXXX XXXX  website - I have seen multiple complaints that match mine in nature. 

The company information is Inquiry date : XX/XX/2022 Account : XXXX XXXX  Type : Finance/Personal Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Phone number ( XXXX ) XXXX Once again, I DID NOT apply for this card at all.
Consumer complaint received 2022-05-05
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. (TN)

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc. (NC)

COMENITY BANKXXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (KY)

On XX/XX/2019, I received a call from Pheonix Financial. The caller stated he was calling to collect multiple debts from XXXX XXXX. I informed him that I did not have any debt with XXXX XXXX and if he could show I did, I needed them to send me it in the mail. He stated they have sent me bills. I told him, that pheonix finacial had not sent me anything verifying a debt with XXXX XXXX, and I did not owe anything to XXXX XXXX. He then told me to " check my credit report, and when I was ready to pay it, to give him a call ''. I explained again, that I did not owe anything to XXXX XXXX and again, to send me the verification in the mail. At this point he starts to yell at me and tell me he is marking the account as refusal to pay and hung up on me. They refused to verify a debt that I do not owe. I have no outstanding bills with XXXX XXXX.
Consumer complaint received 2022-05-05
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. (SC)

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. 

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 has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other 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 2022-05-05
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)

Experian is reporting late payments from XXXX for XX/XX/2019 and XXXXXXXX XXXX XXXX  I have not had a late payment on this account at all. Other bureaus are reporting the correct information of no late payments but Experian refuses to correct the information.
Consumer complaint received 2023-07-02
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: Spring Oaks Capital, LLC (MD)

On XX/XX/XXXX I attempted to retrieve information from a reporting company i have no knowledge of that reporting a charge off on my credit profile. The company updated my credit report which manipulates the statute of limitations as well as never produced the proof of this alleged debt. Thus violating 15 USC 1692 ( e ) false and misleading representation and 15 USC 1692 ( f ) Unfair practices. Springoakcap is the company that is violating my rights to privacy under the Privacy Act of 1974 due to not providing the evidence of myself and the company doing any business together and possibly acquiring my personal information illegally. Also, violating federal law 15 USC 1681 not reporting information that is 100 % accurate. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, i can only presume that no proof of the alleged debt or any debt means no debt exists. 
Please remove this charge off from my credit report immediately because it is damaging myself and my families well being. 
Sprinoakcap charge off.
Consumer complaint received 2022-05-05
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 XXXXXXXX, 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 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : Experian : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

I XXXX XXXX Went to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, after my insurance coverage I was owe {$480.00}, did not make payment on time my bills went to medicredit debt collector I reached out to them couple times end up get some discount so the representative said I could pay off and get some discount I end up paid {$330.00} after some discount was paid on XX/XX/XXXX And now I got another bill with the amount of {$3400.00} That was not mine nor have I been to the hospital again since then. 
Tried reach out to them I did not get anywhere with it. Please help!!
Consumer complaint received 2022-05-05
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: OneMain Finance Corporation (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pupose.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (MN)

In accordance with the Fair Credit Reporting Act, the following companies have violated my 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 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 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Unauthorized Credit Inquires on my report XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX Credit Plus Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX Data Inquiry Date XXXX XXXX Factual Data Inquiry Date XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/XXXX there was a fraudulent charge on my Chime debit card. I filed a police report and reported the fraudulent charge to Chime. Chime alleged that the charge was not fraudulent and refused to return my money. Basically saying that I made the purchase and filed a false report. This is a clear violation of my rights as a consumer.
Consumer complaint received 2022-05-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I applied for forbearance in XX/XX/2020 because I lost my employment. Two weeks later I found another job and called my loan company requesting to cancel my forbearance request. I was informed that I needed to wait for someone to get back to me. I waited and in XX/XX/2020, I called again and was told that " we can't just cancel. You will need to wait three months before the company -Mr. Cooper XXXX could close the request to have payments resumed ''. It has been a struggle ever since. I was only able/allowed to make three online payments and was never allowed to make payments again. In the meantime. I am owing more and more on my house. 
The company continues to ask me to fillout the forbearance form again and again and provided paystubs to their site as well as tax returns... This became that vicious cycle of " we did not get it... we've never received it. '' In the end, I took the forms and documents to the post office - sent certified mail. They requested more documents to be submitted via email - all to reject the application again and again. I recently re-submitted documents for last time online, using their site- Now, I receive phone calls almost daily about needing more paystubs - to which I referred them to the site for uploaded documents. Now it's the apology game and no results. In the meantime, I am afraid that all this will leave me owing more on the house and possible lose it!
Consumer complaint received 2016-03-25
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I 've continued to explain that this debt has been written off from XXXX XXXX XXXX back in 2008, and not to call me at everyday as this is harassment and to communicate everything through letters to me. I contact my attorney who said to contact the FTC and file a complain as he can only stop them if it 's through my cell phone. Spoke to XXXX XXXX on around XXXX and informed her to stop calling and to send all communications through the mail. Spoke to XXXX XXXX to continue all communications through and to stop calling me on the phone and to send through the mail from Portfolio Recovery Associates at XXXX.
Consumer complaint received 2022-05-05
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. (SC)

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. 

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 has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other 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 2022-05-05
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: Certified Credit Reporting, Inc. (LA)

I do not recognize nor did I authorize the below credit inquiries from XX/XX/XXXX & XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXXa XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Certified Credit Rep XX/XX/XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-09-19
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. (NC)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2018-07-14
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)

Hello Sir/Mam I have a problem with my credit file. I disputed an address on my file and a name. The address was already on my credit file and a duplicate incomplete was there also. The representative did not want to remove the incorrect address so I asked for a supervisor. The supervisor came on and stated he would take care of it. The incorrect address was XXXX XXXX XXXX XXXX XXXX   XXXX and the name was XXXX XXXX. I received an update this morning which stated the name and my SOCIAL SECURITY NUMBER were DELETED!!!! THE INCORRECT ADDRESS IS STILL THERE!!! I am very upset!!! This is in retaliation of me asking for a supervisor and these actions will not be tolerated!! I want this corrected IMMMEDIATELY!! I want the calls pulled and reviewed. I am filing complaints with the CFPB, XXXX and any other bureau I can find!!! It's bad enough people have worry about FRAUD BUT WHEN YOU HAVE TO WORRY ABOUT THOSE WHO HAVE ACCEES TO YOUR PERSONAL RECORDS THAT'S NOT GOOD!!! And there is NO WAY A MISTAKE COULD BE USED AS AN EXCUSE!! Address, name and social security number do not sound alike in any way!!! Please correct this asap. I may be reached at XXXX XXXX XXXX. I want to file an official complaint against both the representative and supervisor who handled my call yesterday evening. XXXX was the supervisor and XXXX was the representative I spoke to first. 
Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2017-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC (MD)

The first letter received was dated XXXX XXXX, XXXX. It was from a michael scott law offices on Texas. They are representing XXXX XXXX which supposedly bought my XXXX XXXX account.They claim my debt is XXXX but they will settle for XXXX at XXXX a month.
Consumer complaint received 2022-03-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I took out a personal loan of {$4000.00} to pay off some bills. I have been a customer of USAA Bank XXXX XXXX XXXX. XXXX XXXX, TX XXXX for over 10 years. They gave me a interest rate of 11.99 %. The following are transactions since acquiring the loan. I'm making extra payments on the principal to reduce the amount of interest charged. There is no penalty for paying off the loan early. I noticed that instead of reducing the amount of interest charged it's increasing the amount of interest with each payment. Paying more interest on a decreasing principle doesn't make any sense. 

Date Description Amount Principal Balance XX/XX/XXXX PRINCIPAL {$79.00} {$3400.00} XX/XX/XXXX INTEREST * {$60.00} {$3400.00} XX/XX/XXXX PRINCIPAL {$140.00} {$3500.00} XX/XX/XXXX PRINCIPAL {$96.00} {$3600.00} XX/XX/XXXX INTEREST * {$43.00} {$3600.00} XX/XX/XXXX PRINCIPAL {$100.00} {$3700.00} XX/XX/XXXX INTEREST * {$34.00} {$3700.00} XX/XX/XXXX PRINCIPAL {$100.00} {$3800.00} XX/XX/XXXX INTEREST * {$30.00} {$3800.00} XX/XX/XXXX PRINCIPAL {$4000.00} {$4000.00}