davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (AL)

HI i tried contatcing the credit union that had this issue on my report on them. I written in complants and I disputed it numerous amounts of times. I never was addressed the issue and they never did try to update or fix the problem that I was having .I got a paper sent to my address saying that it has been sent to an attoney and they sent papers the documents on this. It comes from XXXX XXXX and it is XXXX XXXX XXXX  XXXX is the number account that is all I can view based on the issue that is presented to me at the time prior to me having covid this issue needs to be resolved I can not walk and uses oxygen and can not be bothered in this way and their has not been anything done about this at all just got worse and sent lertters to me. They also never helped me address the situation and get it fixed and removing this off my credit causing it to fall lower and lower durning the breech i was afffectted and my data was hacked I never checked it around the time but these days when I do i can see that it has some shocking items under it that is now mine.
Consumer complaint received 2022-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

My name is XXXX XXXX XXXX, I recently moved back to XXXX XXXX but I use to live at XXXX XXXX XXXX, XXXX, XXXX XXXX. Just now I received a phone call from a gentleman who currently owns this address, where he observed via a remote video camera a person in the employment of Portfolio Recovery Associates ( a debt process server, confirmed by another neighbor who lived nearby ) trespassing on private land and attempting to break into his cabin. The man was watching him from his XXXX home at the time but the intruder was caught on tape. That tape as well as a report has been forwarded to the local XXXX police for trespassing on private property and for an attempted break in. He has told me that if this occurs again the intruder will be arrested and held for the local police. 
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Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (NJ)

At one point I had 2 credit cards with American Express, all in good standing for a long history. Due to the COVID-19 pandemic I fell behind on my debts, and was enrolled in various good faith programs offered by AMEX to offer amnesty. Once I fell further behind and was unable to maintain regular scheduled payments, both accounts fell delinquent. AMEX would call both my phone numbers on file multiple times a day, even outside the protected hours. Repeated attempts to contact anyone inside their organization goes unanswered to call centers around the world. My calls get dropped and I have all my conversations recorded on my end of what is actually being said. Supervisors are never available, and nobody takes ownership of their numerous Federal Trade Commission violations. Now they send threatening letters from attorneys demanding collection, and negative consequences associated. Currently I have a CEASE & DESIST on my file against American Express to stop them from repeatedly contacting me. Even with this, they still have attempted to contact me. They even called my father-in-law, a non-blood relative whom is NOT named anywhere on my file with them in regards to debts owed.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WY)

I opened a account with wayfair/Comenty bank, ( Comenity bank XXXX XXXX XXXX XXXX, Ohio XXXX ) they are the ones who turned this in to the credit agencies XX/XX/XXXX I had a PERFECT payment record until XX/XX/XXXX, towards the end of XX/XX/XXXX my Father was diagnosed with terminal XXXX XXXX I live in Wyoming I Immediately flew back to Indiana to be with my family he had a emergency Operation around the first of XX/XX/XXXX it didn't go good he died a couple weeks later on XX/XX/XXXX this was a Very traumatic event I can send death Certificate if necessary it was during this time for the first time EVER I was late when I got back to Wyoming the XXXX of XXXX and immediately made my payment now is when my problem begins Comenity bank turned this into the credit reporting agency 's didn't know this unit sometime later when trying to acquire loan I contacted Comenity bank trying to explain my situation that's when the problem started they have lost my account, Number XXXX comenity bank/ Wayfair were in the process of parting ways I was cought in the middle I contacted both comenity and wayfair they have no account information I have been going through a credit repair program but this bad report is still on my XXXX report I need it removed Please help me
Consumer complaint received 2022-01-27
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I have a total of XXXX inquires that I didn't authorize. I only had space for XXXX  one the first complaint so I'm filing a second complaint because there's on space for three at a time. 

1- XXXX XXXX XXXX XXXX2021 I contacted them but it only had options for. 
dealerships. I can't get through! 
2- XXXX XXXX  XXXX XXXX XXXX2021 I called them and they just place you on hold I was told to contact the credit agency 's and.

I did and they didn't help me.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is inaccurately reporting my credit score data. They are essentially throttling my score ( dropping over XXXX points ) in order to lower my credibility and ability to get a mortgage. My revolving debt has not increased past the 50 % mark, and I fully pay off my credit card every month. I am a veteran and a student and so I sometimes have to use my credit card. I have also paid off my car lease and other loans last year. They are claiming that I have to have an age length of 25 years to be credit worthy. Excuse me, but before I started using Experian my score was just fine. 

Also, my fellow comrades can vouch as they already have mortgages themselves using the VA Loan program. With my payment history I should be at least XXXX right now. I'm not sure who is behind this, but they are trying to slow me down big time. There's no way my score should be dropping that low within a span of 15 days, keep in mind this is 30 % utilization. It is a spike, but the drop should be miniscule, they are trying to ruin me. 


Living in XXXX is already hard, now imagine after all my hard work and learning that I can't get a mortgage once I start working because of a system put in place to slow down " certain '' users. I repeat again, I have many fellow veterans that have taken out a mortgage. Everyone 's financial situation is different, but my point is this is overkill. I'm not going to pay rent for the rest of my life sorry not sorry, especially after serving my country.
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge 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 2022-01-27
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. (VA)

Hello, I have new information in regards to Equifax to follow federal law. I have sent multiple notices to Equifax making them aware of the many violations they have committed and yet they have continuously put their company policy in place of the FCRA. I never gave them permission to furnish anything on my report yet they say they do not need permission from my. Pursuant to 15 USC 1681b it clearly states that without a written express permission from the consumer it is unlawful to furnish anything on my report. The negative information has caused me to lose my job, lose my car, and doesn't allow me to properly extend my credit for credit cards, apartments, etc.
Consumer complaint received 2022-01-27
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: JPMORGAN CHASE & CO. (NJ)

I have 5 different unauthorized credit pulls. 
XXXX XXXX XXXX XXXX XXXX XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time XXXX XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls XXXX Amps/Route XXXX XXXX XXXX Every time XXXX called I was placed on hold and. 
Nobody picks the phone up. 
XXXX JPMCB XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
XXXX XXXX mortgage XXXX. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-05-17
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)

On XX/XX/2021 I sent Transunion, XXXX and XXXX  a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and XXXX never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact Transunion, but still not providing the method used to verify the information. XXXX never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2023-07-28
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. (CA)

In accordance with the fair Credit Reporting act XXXX Account # XXXX 1.XXXX XXXX XXXX XXXX XXXX, TX XXXX {$6800.00} / {$5200.00} 2. XXXX XXXX XXXX acct # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$750.00} IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX, Trans union, XXXX HAS VIOLATED MY RIGHTS AS FOLLOWING 15 U.S.C.1681 SECTION 602A STATES I HAVE THE RIGHT TO MY PRIVACY 15 U.S.C. 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MO)

I have a 700+ credit score with 0 % debt ratio and made each payment on time but the bank is denying me for a card. They give people with lower scores then me credit who make less money and have more debt. I feel the bank is discriminating against me because Im XXXX.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have disputed a listed bankruptcy on my consumer credit report with Experian that is missing most of the information and listing incorrect information. Experian has not conducted any investigation per the FCRA to obtain first-hand knowledge of the record. They have advised me that their source of information is the bankruptcy court. However, I have a letter from the bankruptcy court that states that they do not provide this information to any credit reporting bureau. This just further shows that Experian is not conducting investigations per the FCRA. They are instead " parroting '' information from some third party such as XXXX which is 1. Not first-hand knowledge by Experian and 2. Not verifiable information due to the bankruptcy courts only providing the last 4  of any debtor 's social security number. It is impossible to pinpoint this case on any individual without the full social security number. 3. The record on my consumer credit report is missing the Plaintiff 's information, the dollar amount of the alleged discharge, and the proper reporting of the court, city XXXX county, and state that is required per the FCRA and USC Chapter 11 provisions.
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/2021 NEGATIVE ACCOUNTS : 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 an account without my written instructions.
Consumer complaint received 2022-01-27
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. (TN)

The following hard inquiry remarks have been placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-10
Product: Credit reporting 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. (TX)

XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

CONSUMER XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (MS)

I use an app called XXXX. It allows me to receive paycheck funds early by tracking my location to tell when I 'm at work or not and can get my estimated pay for the shift I worked that same day. When my direct deposit goes into my Simple bank checking account, they automatically debit my account for what I withdrew and allow me to take more out. They 've sent me several notifications saying that Simple bank is not updating and reporting transactions to businesses and services I have my account linked with as often as financial institutions are supposed to send them. This is causing delayed balance updates and proof that I received my direct deposit
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (NV)

The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an iPhone and applying for a new Discover card. I needed the cashback promised to be added to my account.
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (CA)

Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX I, XXXX Current Creditor Account Number : XXXX Total Balance Due : {$3000.00} THIS NOTICE HAS BEEN THE 2nd TIME AND THE DEBT WAS PAID TO XXXX  IN XXXX. THIS IS NOT ON MY CREDIT AS A DEBT OWED!!!
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Your receipt from TransUnion (Order #XXXX)Here is email I sent to: XXXXTo Whom It May Concern:I did not want this feature ($29.99) and must have accidentally clicked on something that wasn't clearly defined, which is the case with your website.Please reverse the charge or I will be forced to dispute it with my bank. Your website is seems deceptive and causes people to click on things that aren't clearly defined. Also, you make it very difficult to cancel anything including the subscription, the website keeps running you through circles. All of this information I can get free via my free credit report per year also I get it free with my XXXX XXXX Cards...Going to your website has cost me $XXXX already for literally stuff I get for free, it's ridiculous!I'm very dissatisfied with all of your services and believe your website is deceptive in the way it is designed. If I could give you a rating it wouldn't be worth even one star....Thanks literally for nothing but stress-ugh!