davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, XXXX, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, COMENTIY BANK/JARED, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission.

However, I have not provided COMENTIY BANK/JARED or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by COMENTIY BANK/JARED.

Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect.

Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, XXXX and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.
Consumer complaint received 2021-07-13
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: Santander Consumer USA Holdings Inc. (CT)

I have these items that are not mine and i want them to be remove from my credit. 



XXXX 1. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft TBOM/VERV FA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft SANTANDER CONSUMER USA Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX 1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have these items that are not mine and i want them to be remove from my credit. 



XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX 1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX while cruising on the XXXX XXXX I opened a XXXX XXXX   credit account in their Gift Shop and purchased a pair of Green Amethyst earrings for {$590.00}. 

On XX/XX/XXXX, while still on the ship, I decided not to charge the earrings and requested the amount of {$590.00} be credited off the XXXX XXXX  account and charged to my Norwegian Gem Onboard Account. The transfer was completed and I paid my onboard account with one of my personal credit cards prior to leaving the ship. 

In XX/XX/XXXX, I received a statement from XXXX XXXX for a purchased on XX/XX/XXXX. The statement also noted that XXXX XXXX program was ending on XX/XX/XXXX and payments should be made to COMENITY - XXXX. 

I called customer service and explained that I did not owe the money. I sent them copies of the original receipt, the credit and the recharge to my onboard account. These documents were submitted to the Dispute Department at Comenity Bank. 

I received a letter from Comenity Bank, dated XX/XX/XXXX, stating after careful investigation, they determined that I was not responsible for paying the disputed amount and they were making an adjustment to my account. 

The total amount of {$650.00}, which consisted of {$590.00} for the earrings plus interest should have been deducted from my account leaving a zero balance. 

To my surprise, when I received the next statement, Comenity Bank had credited the interest accrued from previous statements but instead of crediting the price of the earrings they added them again in error and added interest for the current month making the amount I owe, {$1200.00}. 

I called Customer Service to point out the error and was told they would have to open a dispute. I told them I had already gone through the dispute process and they should have all the necessary documents to correct their error. 

Comenity Bank will absolutely not look into how the error occurred and continue to harass me with phone calls. I am still getting statements with interest accruing and monthly late fees.
Consumer complaint received 2020-07-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AR)

I live in Arkansas and saw an ad online for a title loan from TitleMax. I applied and was approved online, then had to go to Tennessee to get the loan. I actually signed an agreement from my home in Arkansas and sent it online. I have two title pledge agreements. The first one originated XX/XX/XXXX for {$1000.00}. As of XX/XX/XXXX, {$1300.00} has been paid. The second one originated XX/XX/XXXX for {$700.00}. As of XX/XX/XXXX {$790.00} has been paid. Nothing has been paid since then. 

AR Short Term Loan Act prohibits lenders from accepting a title as collateral for a short term loan. 

Regular or online title loans are illegal in Arkansas. 

The TN Title Pledge Agreement was emailed to me in Arkansas, I Docusigned my signature and returned it. Therefore, part of the loan took place in Arkansas. 

My drivers license, license plate and title were all registered in Arkansas. They sent in to AR Dept. of Motor Vehicles to be able to be a lien holder on my vehicle. 

AR loans are capped at 17 % interest. These loans are 170.21 % APR. 

These loans are illegal and unenforceable under AR Short Term Loan Act.

TitleMax received the money I borrowed plus 35 % interest on the first one and the money I borrowed plus 14 % interest on the second one. 

I wrote to TitleMax on XX/XX/XXXX asking for my title to be released. 

I received two letters back dated XX/XX/XXXX, stating that, We will NOT release the lien or return title until your account is paid in full Transaction # XXXX dated XX/XX/XXXX {$770.00}. Then, Transaction # XXXX dated XX/XX/XXXX {$900.00}. 

A copy of my letter was returned in the envelope with their two letters and its written in red, Denied. 

Those dates are definitely not right. I have my original Title Pledge Agreements. Title Pledge Transaction # XXXX is dated XX/XX/XXXX and Title Pledge Transaction # XXXX is dated XX/XX/XXXX. Plus, the first payment on the first loan was made XX/XX/XXXX and the first payment on the second loan was made XX/XX/XXXX. 8 payments were made monthly on the first and 6 payments were made monthly on the second. On the top of each page of the Title Pledge Agreements, it has Docusign Envelope ID numbers that prove they were emailed to me when I signed them. 

I need some help to get my title please. Not only were the loans illegal in the state of Arkansas, but their records arent even dated correctly.
Consumer complaint received 2022-08-11
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. (TN)

The account below belong to a XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have provided support to the Credit Bureaus proving my identity. I have also submitted a police report, with regard to this account and the name, XXXX XXXX XXXX XXXX XXXX being used with my SSN. The credit bureaus have failed to investigate this account and have not provided me with any of the requested support. They have also continued to report this fraudulent name and account on my credit report. 

Chargeoff for this account is duplicated each month and continues to report on my credit report. The " date last active '' also continues to change each month. According to the FCRA, the account details can not be changed after 180 days of the account being late. The account is continuously updated, though it was charged off in 2018. 

Account information : Creditor : XXXX XXXX XXXX  Account : # XXXX Amount : {$3300.00} Please remove this fraudulent account and inaccurate information from my credit report immediately.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Mrtg company sent letter stating I had a lapse in coverage for XX/XX/20 to XX/XX/20.

I had previous sent them letters from my insurance company showing no  lapse in coverge then they billed me for force placed insurance, they told me they got the letter but charged me anyway.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2018 Capital One for the second month in a row did not credit my payment. I pay thru my bank online and pay on the same day as the bill is received. Capital One was the only creditor that did not seem to be able to post my payment on time. I closed the account via the telephone call. I was very leary that the amount they wanted was correct however I paid what they asked and told them I wanted a full accounting. I talked to them many times about a check for {$100.00} and a check for {$20.00} They never gave me a full accounting and when I tried to cash the {$100.00} check they stopped payment on it causing bank charges and still have not received a full accounting on my account.
Consumer complaint received 2018-06-12
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: EQUIFAX, INC. (MS)

As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my Experian Credit Report XXXX See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau XXXX CFPB XXXX, to XXXX XXXX XXXX XXXX See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my Credit File { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a six month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my XXXX  Credit Report ; but I am also sending this CFPB complaint to Equifax and XXXX XXXX XXXX XXXX for a HEADS UP!!!
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Lived in a XXXX apartment with two other residents. I moved out earlier than the two of them and let the office know. I let the two resident left in the apartment keep my portion of the deposit if needed for move out. Upon move out, there was a remaining balance of around {$110.00}. The remaining two residents failed to pay and it went to collections. Upon receiving notification I was on the collections account I let Genesis Collections know that I was not responsible and it will be the two other residents. One of the two residents paid the debt in full. However, Genesis Collections inadvertently created a separate debt account with my name only for the same debt of around {$110.00}. I did not know this until I received notification on my credit karma app the collections was added to my account. I called Genesis and they were adamant it was a separate debt, I told them they need to call the apartment because it is one single debt for three residents and have the account removed from my name. They said they would call management and get back to me. I never heard back and had to call on my own. First they said the debt was not reported to collection on my credit report. Then they confirmed they made a mistake and LUCE canceled the debt under my name individually as the {$110.00} was already paid by one of the residents under the lease agreement. I then asked them to remove it from my credit reporting and they said they cant or it will take 1-2 months. I asked for a letter confirming the cancellation, paid in full, and steps they are taking to remove the collections from my credit. I still have not received this confirmation.
Consumer complaint received 2020-07-13
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. (AR)

This is the first time ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.
Consumer complaint received 2018-06-12
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. (PA)

on XXXX XXXX I opened disputes of debt validation with all 3 credit reporting agencies. XXXX, Experian, and XXXXn. XXXX  and Experian have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX  and XXXX tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XXXX XXXX I opened disputes of debt validation with all XXXX credit reporting agencies. XXXX XXXX, and Transunion. XXXX XXXX XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, Transunion and XXXX tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX has violated my rights. 

Contact info : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-26
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. (IL)

I noticed a unauthorized inquiry on a XXXX XXXX credit card. I believe someone used my identity to try to get a credit card. I also filled an FTC report because someone filled me for taxes.
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optio Solutions, LLC (NC)

multiple calls with no message left on the answering machine - their number maps to XXXX  - apparently, a known abusive collection agency holding company. I owe no debts other than mortgage and a car loan - both are ahead of payment schedule and at last check, my FICO rating was XXXX! 

They are in violation by not identifying the company in caller ID and probably additional violations regarding their telephone practices.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (FL)

Caller acted as if they were not from collection agency in order to get me to continue talking and verify my identity. Did not indicate if call was being recorded or that it was an attempt to collect a debt. Indicated my payment was 4 months past due and I should get a lawyer or make payment today to avoid them suing me today.
Consumer complaint received 2020-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (AL)

Carmax Auto Finance charged excessive fees for a loan that already had high interest. My car has been paid off for two years. They refuse to release my title. The robo call me from an unidentified number. I paid triple the amount my car was worth. Their fees are predatory.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AR)

SynchronyBank/CareCredit XXXX They are linked together. My payments are due on the XXXX of each month. I make my payments on the XXXX of each month through XXXX which is a bill paying service. My first payment XXXX XXXX, 2022, missed XXXX payment, made 2 payments XXXX on XXXX XXXX, 2022 and next XXXX, 2022. I contacted Synchrony Bank to advise I would be late on XXXX payment. On XXXX, 2022 I made a payment through XXXX  for XXXX plus XXXX process fee total XXXX. I start getting texts and emails from Synchrony Bank that I was late on payment. I called them to advise I made payment through doxo on XXXX XXXX. They then advised a missing payment form would be applied. I made payment XXXX XXXX for XXXX through XXXX  then received an email from Synchrony Bank that my payment was late. All payments due on the XXXX. I checked my statement it showed a charge of XXXX as a purchase raising my balance from XXXX to XXXX. I never made a purchase this was the amount they say was lost. I contacted Synchrony Bank advised that my statement was wrong I never made a purchase which was supposed to be taken off. I advised them I made XXXX payment on XXXX and they would receive it on XXXX XXXX. The agent said it would be taken care of and that they had received my payment of XXXX and I owed only XXXX because my monthly payment went up to XXXX. I checked my statement today and found the XXXX purchase still showing on there and they had received the XXXX payment and the XXXX payment and showed I still owed just XXXX. I'm still receiving emails that my XXXX payment is late which my statement shows it isn't. I feel like there is a lot of discrepancy on there part. There is no email avaliable for consumer use only a phone number which it takes up to 10minutes to talk to an agent. Imake my payments each month on the XXXX because that when I get paid due to my XXXX. Could you help?
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (UT)

I have disputed an Old Debt that is being reported as a new debt by XXXX XXXX. This debt when into collection in XXXX. XXXX keeps changing the date on this debt and re-aging it to appear new. Last year they claim this collection was opened in XXXX. This year it shows as opened in XXXX. Every-time they re-report this debt as new, it knocks my credit score XXXX points. XXXX is a third-party debt collector, they are not the original owners of this debt. They are not the collection agency. I have disputed this with the credit bureau and they refuse to investigate or change the information.