davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (LA)

I was offered a job working for XXXX store in XXXX XXXX, Louisiana which I accepted the job offer. I submitted to a background check that was performed by a background company called " First Advantage '' They reported unfair and false information on my background check saying that I was convicted of an XXXX XXXX XXXX XXXX XXXX ; which was completely false! I have never in my life been convicted of a XXXX XXXX XXXX in my life. Because of this false unfair error that was reported I didnt get the job. I have contested the report ; however, the damage has been done.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I've been a victim of identity theft repeatedly since XXXX data breach I have been in multiple data breaches where all my information has been released all of my information and has been used for many inquiries and accounts therefore I have creditors and debtors and collection agencies after me that I've never been involved with in any way I have not used my credit my personal credit since 2010
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC (IL)

XXXX XXXX is attempting to collect a debt from a company I know nothing about. She threatened me and stated " she was going to contact my employer and there was a warrant out for my arrest from check enforcement. I asked for her to submit a document to show I owe this debt but was unsuccessful. She calling from XXXX. Not sure what to do becuase she harassing me at work.
Consumer complaint received 2022-03-03
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. (PA)

I submitted an identity theft report to Experian # XXXX. I have been incarcerated for 15 years, and have no knowledge of the fraudulent accounts on my credit file. I will attach proof of my incarceration. An extended fraud alert was placed on my credit file but the fraudulent accounts remain on my credit file. This is a direct violation of my rights as a consumer under FCRA.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

On X/X/2017 I went to pickup eyeglasses at store. I only took 1 pair but was billed for 2.  Clerk took 1 pair off bill. It is now XX/XX/XXXX and second pair of glasses still on bill. I have called multiple times and they assure me charge is being removed but it is still on this month bill.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Caller did not leave name of company but left phone # to call within 2 hours to avoid legal complications. XXXX XXXX XXXX. They called my employer and my son 's mobile #. Not me. They said they were trying to deliver legal papers that I had refused to sign. I have not refused to sign anything. I called the # back and a lady answered. I asked who she was and she gave me a name something like XXXX XXXX XXXX and asked me for a case #. Told her I didn't have one and that I'd call her back when I got it. Called back an hour later and got a man 's voice mail just saying " Loss Mitigation '' leave a message. Left a message with my phone #. Called a few more times. Same voice mail. No call back. I see no attempt to deliver papers to my home. This appears to be either a scam or an illegal attempt to collect a debt, but I don't know what debt it would be. REALLY not cool to call my employer and my son but not my own cell phone # that I've had for 15 years -- so clearly if they found my employer and son 's #, they could find mine. 

My son saved the voice message should you want to listen to it. In that message they don't even have my last name correct. They tacked on an old married surname from 30 years ago to my current surname.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

I have seen the Public Record in my report, it 's over 7 years BKPT CT AZ  XXXX  -  XXXX  Under the provisions defined by the FDCPA, I am exercising my right to remove the out-of-date Public Record from my report immediately
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

I have seen the Public Record in my report, it 's over 7 year s BKPT C T AZ  XXXX  -  XXXX  Under the provisions defined by the FDCPA, I am exercising my right to remove the out-of-date Public Record from my report immediately
Consumer complaint received 2022-03-03
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 (NY)

I reviewed a copy of my credit report and Capital One ran an unauthorized credit inquiry on me on XX/XX/2022. 

Recently my personal information was stolen out of my computer by some scammers. 

The credit check was not authorized neither was it performed with my intelligence. 



I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact CAPITAL ONE and investigate such occurrence.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 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 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 2024-10-02
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. (NY)

Ive recently recieved a copy of my credit report and noticed serveral inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

credit bureau is consistently reporting the wrong personal information. I have faxed over ss card, ID, bills, etc to get information corrected nonetheless they are continuing to report incorrect information. The incorrect reporting is hindering me from obtaining credit.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (OH)

I have ~ {$330000.00} worth of student loans serviced by FedLoan Servicing. I am in the Income Based Repayment Plan. I had my taxes prepared by an accountant, and finally received my Adjusted Gross Income amount, required by FedLoan Servicing in order to submit annual recertification of income for IBR, in mid XX/XX/XXXX. I then went online to submit the recertification of income, but the StudentLoans.gov website was not working properly and was not linking to the IRS. As of today, it still is n't working correctly by the way. Because of this, I had to mail my forms in. I post-marked them on XX/XX/XXXX, and they were received ( reportedly ) by FedLoan Servicing on XX/XX/XXXX. I have a letter stating that they needed to receive the paperwork within 10 days of XX/XX/XXXX. Well, mail ca n't arrive on Sundays, and XX/XX/XXXX is well within 10 business days of XX/XX/XXXX. I would n't even be in this situation if the website was working correctly. They capitalized my ~ {$57000.00} of interest on the loans and increased my monthly payment amount, even though they still have my forms and are " processing them. ''
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

This started on XXXX XXXX XXXX I withdrew a cashiers check and deposited this check to the safety deposit box for my landlord. they confirmed that they received the check but the check was never applied to my rent as intended. This check was still cashed and I have a copy of the check from my bank which I retrieved in XXXX XXXX XXXX. I provided this copy to the landlord and they threatened to evict me. since then I have express to my bank that I need something more than what was provided in the copy of the check as the details of the payee in the check are completely illegible. it looks like that information was scratched off. I have not gotten any help from my bank and they will not provide any more information about the check. When I spoke with First Republic bank representatives, they said that I would have to reach out to my bank. Both banks seem to just passing the buck back to the other and this is not getting me any closer to resolving this issue. 
Meanwhile, Ive slipped into severe housing and stability and financial instability with no reasonable means of the fact remaining. I paid my rent every month I I lived there.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX XXXX, as the duly appointed Subrogee and Executor of the XXXX XXXX XXXX XXXX ESTATE ( and any and all derivatives spelling ) have been seeking for immediate action and fiduciary trusteeship of EXPERIAN due to erroneous information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. EXPERIAN has failed to properly remedy and investigate this matter. SEE ATTACHMENTS for further detailed and all notices and documents that have been sent to EXPERIAN, including XXXX tracking number and screenshot of date of delivery. You EXPERIAN are reminded of your fiduciary obligations under trust law, which obligate you to act in good faith and protect the interests of the Beneficiary ( XXXX XXXX XXXX ). One of the principles of equity is " One who comes to equity must come with clean hands ''. EXPERIAN has a fiduciary RESPONSIBILITY to be in honor and act in good faith. Im expecting no more than 5 ( five ) business days for our credit file to be updated with the accurate information and status [ SEE ATTACHMENTS ], as it should have already been. Another principle of EQUITY is " Equity recognizes what should have been done as already done ''
Consumer complaint received 2024-10-02
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. (FL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-10-02
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (GA)

I dont have a debt with this company. They are in violation of my rights as per USC 1681 I have never given anyone permission to share any information on my behalf. I have never signed any type of agreement with this company and have never done business with this company. This company has harmed my credit.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am inquiring about Experian with the Deletion of XXXX XXXX XXXX, the account was deleted from my credit Report and experian Add it Back to report .I am Asking For a Fill investigation into fraudulent of Experian credit reporting Adding and Deletion of accounts ( Paperwork will be submitted ) XXXX XXXX  is reporting inaccuracies is in violation of my consumer FCRA Rights -5 U.S.C151692c XXXX XXXXXXXX XXXX Card
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

XXXX does not disclose in their credit reporting criteria and terms of service that they report as a Consumer Finance Account. This account type alone is a huge derogatory mark on anyones credit report even if the loan is paid as agreed and is in good standing. After a loan in good standing is closed, it can remain as a derogatory mark for as long as 10 years. I want these reports removed from my credit profile due to presenting as an installment loan and reporting as a consumer finance account instead. This has negatively affected my credit score and profile.
Consumer complaint received 2022-03-03
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. (SC)

In accordance with the Fair Credit Reporting act First Progress Card XXXXXXXXXXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says you FIRST PROGRESS CARD are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.
Consumer complaint received 2024-05-16
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: FC HoldCo LLC (CA)

I have a few hard inquiries on my report that are not from me Flagship Credit Acceptance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX for individuals in the high at risk population and not vaccinated order to not be in large areas for exposure especially at the XXXX courthouse where there have been many COVID-19 outbreaks from their exposures inside and I put side the courthouse. This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but XXXX XXXX  XXXX has made it a mission to harass me and go around the law to win their motions. I need this summary hearing postponed. XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX A XXXX, NC XXXX
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/XXXX, I applied for a credit card at the XXXX in order to get furniture. I was approved the same day and ordered =my furniture right away. My FURNITURE was delivered on XX/XX/XXXX which I believe is the payment date. I started to pay {$100.00} the XXXX or XXXX of every month while my minimum payment in the contract was {$47.00}. A few month later, I found out that my credit card was charged late fees by XX/XX/XXXX which is associated with the XXXX. I called them to know the reason. In response, the Representative of XXXX XX/XX/XXXX said that it because I was supposed to pay the XXXX of every month, allegation that I disagreed with. However, I request to schedule the payment date the XXXX of every moth because it's my paid day and give her my credit card information for autopay and She told me to call the XX/XX/XXXX to get a final approval of the request. In XX/XX/XXXX, I called and the Representative told me that my payment date will now be the XXXX. In XX/XX/XXXX as I was expected the payment to be updated, nothing happened then I called again. In response, the Representative said that the billing circle does not allow them to place me on XXXX, so they schedule the payment date the XXXX of every month. I was so embarrassed with this kind of customer service and told him that the XXXX won't work for me due to budget. Now, they've been charging me over because last month they did not receive my payment. I have been having hard time dong business with the XXXX. I am embarrassed. They are just taking advantage of me because they are not making any effort to well manage my account and keep my credit in good standing.
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I provide several letters, police report, and signed affidavit stating that this account in not mine. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. Under the FCRA XXXX provided no copies of the original documentation on file to verify that this information is mine and is correct. They stated an electronic application was conducted and they provide credit card statements which does not validate debts, especially when the account was established fraudulently. I requested a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), which they failed to do. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).