davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NC)

15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Lane Bryant on this alleged debt. 

Violation 15 U.S. Code 1692 ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I did not give Lane Bryant permission to discuss my debt with XXXX XXXX.
Consumer complaint received 2018-02-17
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. (TX)

I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
XXXX employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

XXXX started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in XXXX it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/XXXX to XX/XX/XXXX. 

Equifax has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...
Consumer complaint received 2018-02-17
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)

I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
XXXX employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

Experian started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in Experian it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/XXXX to XX/XX/XXXX. 

XXXX has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...
Consumer complaint received 2022-05-02
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: NCB Management Services Inc. (CA)

1. This is the company involved- XXXX and XXXX XXXX ( XXXX Credit Report ), for {$2000.00} open balance debt opened on XX/XX/XXXX, and I am not aware of this. They put the report under collections. Please delete. 

2. NCB MANAGEMENT SERVICE ( XXXX ) - this is also reported as a collection on XX/XX/XXXX, with zero open balance. Please delete the report. 

3. In accordance with the fair credit reporting act, these companies mentioned above have violated my rights. 

4. 15 USC 1681 Section 602 states I have the right to privacy 5. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions 6. 15 USC 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
Consumer complaint received 2021-09-08
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: Movement Mortgage LLC (CA)

On XX/XX/2021, I entered a forbearance plan with my mortgage company, Movement Mortgage. Shortly after, Movement Mortgage hit my credit with a 60 days late during the forbearance period of XX/XX/2021 to XX/XX/2021. I contacted them about the issue and they sent me a credit correction letter and assured me the information would be updated and it was temporarily. My credit was restored and the late reports were removed. I continued making payments as instructed by Movement Mortgage for the months XXXX, XXXX, and XX/XX/2021 and was officially removed from the forbearance plan. I then paid the remaining balance for the months missed in XXXX, XXXX, and XX/XX/2021 during the forbearance when I made the XX/XX/2021 payment. This particular payment in XXXX was for over {$12000.00}. Therefore, I was caught up completely and never paid anything late. Sometime after making the large payment in XXXX, Movement Mortgage reported another 60 day late to the credit bureaus, despite all my payments being made according to their direction. I have contacted the company ( Movement Mortgage ) for more than 30 days and have received no cooperation in fixing the matter. Movement Mortgage denies reporting late payments to the credit bureaus entirely. I have filed disputes with the credit bureaus and I am still waiting on the results from XXXX and XXXX. XXXX however, sustained the late notices on my account which has continued to negatively affect my credit and has prevented my wife and I from purchasing and financing a much needed vehicle. Furthermore, the documents submitted to XXXX by Movement Mortgage are inaccurate and do not show valid payment history as it was paid and received. Based on the above, the months for which I am being reported late should have been covered under the forbearance plan by law. I have copies of all of the documents required to prove this case with a doubt. It is my request to file a complaint with both Movement Mortgage and the XXXX reporting agency. I would also like these documents supporting my case to be afforded to XXXX and XXXX so that I may clear my name in this matter. Attached you will find redacted documents showing the payments being made from my bank account. You will also find a copies of the credit correction letter and forbearance letter sent to me from Movement Mortgage. I have included the delinquency pages from all three credit bureaus as well as the sustained results from XXXX. Thank you for time and consideration.
Consumer complaint received 2022-05-02
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. (TN)

There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Balance Due {$350.00}.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX This is a complaint against Synchrony Bank related to my Synchrony Premier Master Card account. 
On XX/XX/XXXX, I contacted Synchrony Customer Service by phone to request copies of ALL billing statements for the period of XX/XX/XXXX to XX/XX/XXXX. I spoke with a Synchrony Customer Service agent by the name of XXXX who said he was located in the XXXX. The customer service agent said that ALL the copies will be sent by US mail within 3 weeks. A recording of the conversation with the customer service agent was made.

I did not receive to date the requested billing statements copies although it has been more than five ( 5 ) weeks since I made the request.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (GA)

I checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX days and still no response these issues are causing me pain and suffering and humiliation
Consumer complaint received 2020-01-28
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 — Investigation took more than 30 days
Company: ONEMAIN FINANCE CORPORATION (NY)

On XX/XX/2019 I submitted an request to XXXX  to request physical verification of the accounts listed in my consumer credit report. Some of the items were removed because they could not be verified and on none of the others were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/2019 I submitted a 2nd request to XXXX  to request physical verification of the accounts listed in my consumer credit report. None of the item were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

I did receive a letter from One Main Financial stating that my request did not provide sufficient information. However on 2 occasions they reported unverifiable information. I have attached both notarized requests along with the certified return receipt of my requests. Also I a letter from One Main Financial stating there was insufficient information.
Consumer complaint received 2018-03-04
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. (CA)

fraudulent XXXX XXXX account still reporting on my Equifax after XXXX XXXX took account out my name. Equifax is refusing to remove this fraud XXXX XXXX account from my credit.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have been trying to get my Equifax credit scores for a month. Ive tried through the MyXXXX app, XXXX XXXX, as well as the My Equifax app as well. The XXXX app received an error message stating Information from inquiry has been identified as potentially fraudulent or misused therefore the credit report is unavailable. I am in the process of closing on a home and can not proceed with the process until this issue is fixed. My mortgage loan officer has also tried to pull the score and he is getting a message the the information is suppressed. On the My Equifax website it says that the score is unavailable. Ive contact Equifax by phone three times. Each representative advised me there are no fraud alerts or credit freezes so I shouldnt have any issue obtaining my reports. However, I am still unable to obtain this report and desperately need this issue fixed so that I can close on my home as soon as possible, this is the only thing holding up the process.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

JPMorgan Chase issued the credit card. 
My daughter who is an authorized user set up the card to use as payment for XXXX transactions. She did not receive any notices about fees when she set it up. 
Later I noticed that the bank was charging a {$10.00} fee for each XXXX payment, some of which were only {$2.00}. All of the transactions were small, averaging {$10.00}. 
Although I always pay my card off monthly, the bank also charged interest of more than 29 % on the XXXX transactions. 
These fees totaled up to several XXXX dollars over a few months. 
When I realized that I was being charged a lot of fees called " transaction fee '' on my statements, I called and asked the bank to explain the fees. They said that XXXX payments are considered cash advances and subject to a minimum {$10.00} fee and interest. I never take cash advances because I know in general that the fees are high. I do not recall ever receiving a notice from the bank that XXXX payments were subject to cash advance fees. Moreover, the way the fees were characterized in the credit card statements was opaque if not outright deceptive. 
I asked the bank to waive the fees. They agreed to waive 1 fee of {$10.00} but not the remaining fees. 
These fees are egregious. The bank did not provide sufficient warning to the client before or after imposing them.
Consumer complaint received 2022-10-15
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: Pressler & Pressler, LLP (NJ)

I have a letter thats an informational subpoena that if I dont answer in 14 days Ill be arrested. I refuse to give them personal information as I already had my id stolen
Consumer complaint received 2022-08-12
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Attorney General of Maryland I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : 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 A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : 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 A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (IL)

I have tried to get this alleged debt validated. It started when XXXX sold the debt to XXXX XXXX XXXX XXXX. I got a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent them a validation letter on XX/XX/XXXX. XXXX XXXX XXXX XXXX did not respond. So I sent another letter on XX/XX/XXXX, that was also not responded too. According to XXXX XXXX, XXXX they sent me an email requesting payment for the debt. I never gave anyone authorization to email me about a debt or payment of alleged debt. Well guessing the alleged debt was sent back to XXXX. XXXX yet again sold it to McCarthy , Burgess & Wolff , Inc . I sent in a request for validation on XX/XX/XXXX certified mail. I have sent validation letters to XXXX in XX/XX/XXXX and XX/XX/XXXX. I also sent 609 letters to XXXX and XXXX   about this alleged XXXX debt. Everytime it comes back as " verified ''. But no proof as to how they verify it.
Consumer complaint received 2018-03-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XX/XX/2018, I received at XXXX XXXX cst I received a phone call from XXXX XXXX at XXXX. I was at work so when answering the call it took me some time to get up from my desk before I spoke. The initial things stated among answering the phone was Hi, My name is XXXX XXXX with XXXX XXXX trying to contact XXXX XXXX. Initially when hearing that I went into alarm. I kept asking who is this with what company and he stated that he would need to verify some information first. I stated no I would need to know with whom am I speaking. XXXX then stated he was with XXXX XXXX XXXX for Ace Cash Express. I then stated hey XXXX you know you can not represent your self when contacting someone and discontinued call. I refuse to disclose information to any one falsely identifying themselves to me. Later that same hour I attempted to call back in hopes that I can at least obtain a company name. Nope! Not to my surprise it went directly to a busy signal the first time. Second attempt went to a voicemail where XXXX just stated XXXX XXXX. And then a third time he answered I disconnected.
Consumer complaint received 2023-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IN)

I have not lived in XXXX  since XXXX. I live in XXXX  and this is impossible because the date shows it was opened in XXXX. I would like to have this removed from my credit report as it is falsifying wrong information and inaccurate. There is a copy of my license from Indiana and I was at that address since the end of XXXX. Wasnt in XXXX  at the date thats being submitted and reported.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (CA)

I made reservation of airline tickets through XXXX on XX/XX/ for XXXX round-trip. They immediately charged my Discover card. They never booked with the airline and never sent me airline confirmation number. Only their own confirmation number and XXXX e-ticket number. One week later this company sent me a message that flights were canceled. Instead they offered much more expensive options which also take at least 10 hours more each way. It was unacceptable. When I tried to apply for refund, they asked me to agree to possibly receive refund in " XXXX money '' in 3 month (! ). They also would not pick up the phone or correspond via email. Of course, I could not agree to this : I need my money back to book through another service. I disputed with the Discover card, uploading the following documents : 1 ) Booking confirmation without airline confirmation number ; 2 ) Policy of XXXX saying that they refund ( if they cancel flights ) immediately in cash 3 ) Screenshot where XXXX states that it will take them 3 months and they may pay with XXXX money ; When I was making booking I have read terms and conditions very carefully. It did not say at the time of booking that XXXX can cancel and refund in their own money. I filed the dispute with Discover on XX/XX/ and they turned down the dispute on XX/XX/. 
Discover said that since " they provided services of booking, I can not dispute this charge ''. I told Discover that there was no actual booking with XXXX. These particular flights never existed. This is fraudulent documentation. Discover said that there is nothing they can do with this. This completely negates the point of credit card protection against fraud.
Consumer complaint received 2018-02-18
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. (GA)

s XXXX equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!
Consumer complaint received 2022-11-19
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. (FL)

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 : # XXXXXXXX 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 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 2021-06-25
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: EQUIFAX, INC. (IL)

I filed a dispute with the XXXX XXXX XXXX in regards to inaccurate inquiries reporting to my credit reports. I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.