davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (TX)

I recently applied for the Avant credit card from a mail in offer. My card has been declined for absolutely NO reason at all. I also have trouble accessing my account online and through the app. I have called and called and called and no answer until this morning. The Avant representative told me that many customers are experiencing the same issues as I am and they do not know when the issue will be fixed! I have only had this card for 2 weeks and I am ready to burn it!! Todays date is XX/XX/2022. I finally reached a representative for this credit card this morning and told them I am very unsatisfied with the card because I can not use it anyway! Please help. 
Many customers are experiencing similar issues.
Consumer complaint received 2022-03-13
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: Bread Financial Holdings, Inc. (CA)

in XXXX I lost my Mother, I also contacted XXXX, I was verry sick and distraught for the next few months, this was a natural disaster, I could not even think straight or remember things because XXXX  effects your brain, community bank reported me late for a minimum of XXXX $ for XXXX XXXX XXXX as a result my credit was damaged, I did dispute with proof of XXXX and death of my mom, they rejected the dispute, can you please help me. The report # is XXXX XXXX the number is XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OK)

Last year in XXXX, my home insurance went up, which changed my payment. I called my insurance company and they did a discount. However, due to Covid, I was not able to get through to the bank. When I did ( in XX/XX/2020 ) I spoke to a lady named XXXX, who was the very very very rude. I paid my principle and interest every month until we could get the insurance problem resolved. I emailed and faxed letters and letters. FINALLY, we fixed the problem, however, my credit score still shows late payment. I kindly asked Fith-Third Bank to remove my escrow. They said after 5 months of on time payments they would. They never did and screwed up again on my escrow and now they are saying I am late again. This is ruining my credit. I am paying them my principle and interest. Now, they want to say I am late on PREPAID INSURANCE, that I requested to be taken off my account ... ... ... I have had a home for over 20 years and this is the first time I have ever been late or had a problem.
Consumer complaint received 2022-03-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TN)

My account was under a Covid-19 forbearance plan with XXXX ; in the end, XXXX XXXX transferred my account to ShellPoint. Shellpoint refused to help me will a loan modification. Three months later, after I got someone on the phone who would listen and follow up with me, I am now on a loan modification. This company reported to the credit bureau I am 120 late. This is not true, and they would not help me. It is so unfair what they did to my credit.
Consumer complaint received 2022-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

THE CAPITAL ONE ACCOUNT HAS BEEN OPENED FRAUDULENTLY UNDER MY NAME AND I HAVE RECHED OUT TO CAPITAL ONE NUMEROUS TIMES AND I HAVE SENT THEM ALL REQUIRED DOCUMENTS TO HAVE THE FRAUDULENT ACCOUNT AND CHARGES REMOVED FROM MY CREDIT PROFILE BUT TILL THIS DAY THERE IS NO RESOLUTION. I HAVE SPOKEN TO MANY SUPERVISORS AND REPRESENTATIVES AND THEY KEEP TELLING ME THAT THAT THEY HAVE ALL THE REQUIRED DOCUMENTS FROM ME WHICH PROVES THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY BUT AGAIN CAPITAL ONE IS STILL REPORTING THE FRAUDULENT ACCOUNT AND THE CHARGES ON MY CREDIT REPORT.
Consumer complaint received 2024-02-07
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.

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 2022-03-13
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. (TX)

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, The Bureaus, XXXX XXXX, XXXX XXXX XXXX, XXXX AUTO, XXXX, XXXX, Rise has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-03-13
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: EQUIFAX, INC. (IL)

the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of XXXX8 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g
Consumer complaint received 2022-02-17
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. (CA)

I WAS A VICTIM OF IDENTITY THEFT BUT I'M NOT GETTING ANY HELP FROM THE CREDIT BUREAUS. I HAVE TRIED TO SUBMIT MY INFORMATION SEVERAL TIMES BUT THEY KEEP SAYING THE ACCOUNT IS VERIFIED AS BEING MINE.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (OH)

In XX/XX/2009 I opened an XXXX XXXX card. This card was closed by their bank for non-useage several years ago. They sold my information to a new bank and this bank ( Barklays ) opened a new card in my name without my authorization. This has negatively impacted mine and my husband 's credit reports.
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CURO Intermediate Holdings (CA)

These individuals continue to contact me via email and threatening to contact my employer and I have no idea who they are. Please see below : This Proceeding issued on you Docket No : - XXXX with one of SPEEDY CASH LOAN. The Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you.

Now its high time if you failed to respond in next 12 HOURS we will register this case in  court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX XXXX. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. 

The above invoice for {$780.00} has recently become overdue for payment. As such, we would appreciate you making this payment as soon as possible. 
Settlement Options/Outside Of Court Settlement ( O.O.C.S ) : ( 1 ) Offer in compromise : {$680.00} ( Submit today to close the debt without interests ) ( 2 ) Payment of {$780.00} due has to be paid in full by installments or offer in compromise {$780.00} Today to close the debt. 
NOTE : IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF COURT THEN REPLY OUR SETTLEMENT DEPARTMENT ON : mailto :  XXXX XXXX
Consumer complaint received 2022-03-13
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. (IL)

the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of 18 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates (AL)

This is not my account I am writing you because I tried to handle this matter with the collection agency but they did not validate this debt that they say I owe. They only sent me a copy of a bill. They never sent me a validation under the fair debt collection practices act 15 UFCs 1692g. The amount is XXXX and the date was service was XX/XX/2019. I have never lived at the address on file or use the hospital for medical treatment.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-03-13
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. (IL)

the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of 18 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I received a letter from American Express inviting me to take advantage of a lower interest rate, and when I called to arrange it, they wouldnt give it to me. I find this to be false advertising, and they should not be allowed to market offers to people when they know they will not honor them.
Consumer complaint received 2022-03-13
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. (LA)

I am a victim of some sort of ID attempted theft. I researched how to file a proper dispute. I followed the FCRA and the CFPB guidelines on what information is needed to file the dispute. I filed a dispute with Transunion on XX/XX/XXXX. I received a letter dated XX/XX/XXXX plus days from the receipt of my letter. The letter read that they didn't believe I was me!! Now according to the FCRA and Philbin V. Transunion , LLC, 101 F.3d957, 961 ( 3rd Cir.1996 ) A Plaintiff must prove ( 1 ) an inaccuracy ( 2 ) failure to follow reasonable procedures ; an injury and ( 4 ) the injury was caused by the inaccuracy, " A CRA responding to a dispute must make a good faith effort to determine the accuracy of the disputed item or items. In other cases, the CRA must conduct a reasonable investigation that, at a minimum, would include checking with the original sources '' This is from a FTC staff report XX/XX/XXXX page 76. I enclosed in my dispute a copy of my drivers license which has my true address, a copy of my social security card as well as a copy of the FTC file that I was advised to fill out by the FCRA and the CFPB. If the Bureaus aren't going to investigate and can simply say we dont believe you are you then what is the point of consumer protection? If Transunion can never afford me the true investigative latitude thats afforded to me by the consumer protection act what then does a consumer do? By the way I copied this information off of the internet apparently Americans are having a real problem with Transunion. Please Director XXXX make an example of them.
Consumer complaint received 2022-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have several paid charged off that are over 5 years old. Experian trys to say well you have delinquent payment history so we cant remove it till 7 years. But new York law says New York State General Business Law Section 380-j ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ; I am requesting the following items be removed XXXX XXXX XXXXXXXX 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 All these items are paid collections and over 5 years old. I am also a resident of XXXX XXXX XXXX
Consumer complaint received 2017-06-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian has my son 's social on my credit file I have provided Experian now twice a copy of my social security card and the issue is still not fixed. Please help My social is  XXXX  and my son 's is  XXXX  I want his social off of my credit file and anything else belonging to him
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Consumer complaint received 2022-03-13
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. (IL)

I am submitting this complaint without any influence from any third party or agency. I have been doing my research on the FCRA. The law 15 USC 1681c-2 ( a ) says in case of identity theft, a consumer must provide : appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
On XX/XX/2021, I sent certified mail to Transunion containing a copy of my state I.D . and social security card for identification, FTC report, I identified the fraudulent inquiries of ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX ; my statement is on the FTC report that I did not consent or authorize the inquiries. 
From previous phone conversations with Transunion representatives regarding identity theft, I was told to provide a police report. The credit reporting agencies policy does not supersede federal law. The law never mentioned providing a police report when reporting identity theft. Nonetheless, I submitted a police report with the other documents. 
When completing the FTC report, it only allowed me to enter three inquiries. There is another fraudulent inquiry, XXXX XXXX. In addition, the law states that a consumer reporting agency shall block the information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. Transunion received my documents certified mail on XX/XX/2021. As of today, the fraudulent inquiries still appear on my consumer report.
Consumer complaint received 2018-10-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (GA)

My home was damaged by a massive tornado and hail in XXXX. I have been very sick and out of work since XX/XX/XXXX. I used my mortgage payments to pay for removal of massive trees that were uprooted and thrown on my home due to safety concerns along with repairs to deck railings. The insurance company sent funds to mortgage company and mortgage company will not pay my arrearages nor will they return my funds to me to pay them. They keep giving me different stories and holding my funds. There are still Thousands of dollars in repairs to be done, but contractors will not even come out for estimates now because they know they will not get paid and they cant afford to wait 6 months for their money either. This is fraud on part of the mortgage and insurance company. 

Caliber loss draft department XXXX XXXX XXXX XXXX, oh. XXXX XXXX The insurance company also sent another check that I refuse to endorse, because my ex husband is no longer on the deed. They already put a stop payment on it. {$1700.00}. They want we to send it back to them????? 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (NJ)

XXXX ( opened ) XX/XX/XXXX {$75.00} Filed disputes with XXXX credit agency.  Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX  credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX  credit agency.  Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. 
DEBT IS A VIOLATION OF HIPPA LAW Debt Recovery Solutions ( opened ) XX/XX/XXXX {$59.00} Filed disputes with XXXX credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW Incorrect social security number.
Consumer complaint received 2022-02-17
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)

XXXXXXXX XXXX XXXX  Open date : XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXX {$1700.00}