davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Original dispute XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX D.O.B XX/XX/XXXX Last Four SS XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
NAMES REPORTED : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX, XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX Original creditor name XXXX XXXX Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

In XXXX, Requested a replacement card so that I could set up my online account. The company associate closed my account instead. I never received a replacement card and stopped receiving billing statements. So I have absolutely no visibility into the account. I would call and was told that I couldnt pay the bill because the account was closed due to Fraud. Never reported fraud or that it was stolen. I also was told that I couldnt get a replacement card which was my initial request. So now I still cant pay my bill because of their error. They reported it to the credit bureau and saying that the only way I can pay is through collections. I was also told by their fraud manager that there was a system glitch on their in. So Im being negatively impacted because of a company error.
Consumer complaint received 2015-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (TX)

The collector debt company Name EOS/ CCA XXXX I think they are Fake collection agency because they send me the collection notice that I owe money frome XXXX XXXX cable company at the address that I do not live in or have anything to concern about the service XXXX.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Due to covid 19 the bank of amrica has announced that it is doing its part to help its customers with a help program ... Just join! I did it on the XXXX of XXXX and whenever I call again, they give me a new deadline but they don't comply with the treaty. I paid the bill without power and exposing my situation, they said they could help by returning the amount paid and extending the date to be paid ... Well, I accepted and I'm waiting until today ; whenever I call they ask for another week ... I counted on the combined help but it seems that I am making a fool of myself.
Consumer complaint received 2024-04-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

In XXXX, I opened a charge card with Ann Taylor. Suddenly, in XXXX Ann Taylor contacted me for a late payment for an order that I never purchased. I told Ann Taylor that this was a fraud and I asked them to close my account right away because I didn't receive any items of this order and I never made any purchase for the order. Then, Ann Taylor kept calling me and asking me to make the payment for the order. They called me so many times and they even called my family in Texas to ask my family to make this payment. They wanted me to make a payment of {$2400.00} including the original amount of {$11000.00} and the fees for the past due dates. They called me and my family so many times although I kept telling them that this was a fraud and I didn't make any purchase for this order. I didn't receive any items from this order. My family and I were so tired of this and on XX/XX/XXXX, Ann Taylor called my brother in Texas and asked him to make the payment for me. My brother added me to the phone conversations with Ann Taylor. I was so tired about this and I told them that I was willing to pay the original amount. Ann Taylor agreed that I only needed to pay the original amount and waived all past-due fees/interests. On that day ( XX/XX/XXXX ), my brother made the payment of {$110.00} to Ann Taylor. Then, I didn't receive any calls from Ann Taylor for 5 months. Right after 5 months, Ann Taylor called me to ask me to make the payment for the past due fees/interests. They asked me to make a payment of more than {$2000.00} for the fee/interest. I refused to do that because I already made the payment for the original amount for the order that I never purchased and received. They kept calling me to ask me to make this crazy payment. Finally, I requested them for me to speak with their CEO. They told me that they would discuss with their manager  and would get back to me on this. They never got back to me on this and later, I recognized that they sold my debt to XXXX XXXX XXXX, a collection agency, with {$1700.00} past due. I refused to pay the collection agency for this {$1700.00} past due because I paid the original amount of {$110.00} right after my brother and I discussed with Ann Taylor on the phone resolving the issue with this order. During our conversation with Ann Taylor, they agreed that I would make the payment for the original amount and they would waive all past due fee/interest for an order that I never purchased and I reported this fraud to them. As of today, in my credit report, I still see a collection with XXXX XXXX XXXX with a balance of {$1700.00}.
Consumer complaint received 2023-05-24
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. (TN)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 



In accordance with the fair Credit Reporting act ) XXXX XXXX  XXXX Missed late payments Balance updated {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Missed late payment {$670.00} Balance updated XX/XX/2023 XXXX, XXXX XXXX Missed late payment. {$580.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$7800.00} I owe them that's in collections they are not the original creditors. 



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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 any reasons. 



According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Consumer complaint received 2023-05-24
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-05-24
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. (VA)

US DEPT OF EDUCATION ACCT # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION # XXXX. 

In accordance with the Fair Reporting Credit Act, my rights been violated...

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Consumer complaint received 2023-05-24
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. (MD)

Referring to Account # XXXX from XX/XX/2017 with an amount of {$16000.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been well over 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Cakiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote + consumer. No consent was given.
Consumer complaint received 2024-01-22
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (MI)

Had about 10 credit cards attempted to be open in my name. Everyone denied these attempted fraudulent card applications besides American Express they issued a credit card in my name and sent it to me this card then was used to cash advance XXXX $ then a payment was applied according to American Express neither of which i did and i am not sure who would open a fraudulent card to then pay on the card makes no sense.
Consumer complaint received 2022-07-14
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. (IL)

Accordance with the fair credit reporting act XXXX  account Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXt Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference Number # XXXX XXXX XXXXXXXX XXXX  Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to 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 instructions. 

. 

.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NC)

Initially I contacted XXXX in regard to a collection appearing my credit report by CKS Investments asking that it be validated which was stated to be verified however, with no signed contract bearing my name. I then contacted CKS investments via certified mail # XXXX and asked for the debt to be validated, there was no response. I contacted XXXX again in regard to this matter, asking it be investigated & validated by providing an original document bearing my signature via certified mail on # XXXX which came by verified. Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I was not provided a copy of original documentation. Furthermore, XXXX has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I believe XXXX has been derelict in maintaining accurate information in regard to my credit file.
Consumer complaint received 2022-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NY)

So, I got loan forgiveness for my federal student loans through XXXX XXXX XXXX in XXXX of this year. I understand I am entitled to a refund of the payments I made during the Covid relief period. 

I had been making payments though my loan servicer, Ed Financial. XXXX XXXXXXXX XXXX has no record of those payments because they were not made to them, so they insist they can not refund the payments ( {$480.00} per month for two years ). They tell me Ed Financial must process the refund. But, Ed Financial says that since the loan was transferred to XXXX XXXXXXXX XXXX they will not process the refund. 

I have tried to call the Dept of Treasury, but they don't answer. Please, help me to find out who will process my refund.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The following account was to be removed from my credit report XX/XX/XXXX, yet Experian and XXXX are still reporting this account a year later. XXXX has since removed the account XXXX XXXX XXXX XXXX XXXX Experian and XXXX are also in violation of reporting incorrect information. The date last active was XX/XX/XXXX, yet you are reporting XXXX which is a violation of the FCRA. Furthermore, an account is to be deleted after 7 years. This account has been closed since XXXX XXXX, and it has since been 8 years. Please remove this account from my credit report or I will have no choice but to take your company to court due to FCRA violations. I will attach my credit report for your reference. I am expecting this account to be removed within 14 days due to the 7-year period.
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Suttell, Hammer & White, P.S (CA)

Suttell Hammer & White XXXX filed suit again me with a summons on XX/XX/XXXX. XXXX requested. Last hearing was case management on XX/XX/XXXX with this debt collector requesting continuance to XX/XX/XXXX reason to investigate an alleged request for hardship repayment knowing I never requested such a thing. Never spoke to anyone either regarding any request for repayment especially since I requested trial and was supposed to have trial XX/XX/XXXX. This debt collecting firm as of XX/XX/XXXX is required to have a license to do business in California however as of today, XX/XX/XXXX, they DO NOT. They have violated XXXX XXXX and new debt collection laws of California. They requested continuance to XX/XX/XXXX attempting to stall case to have chance to send what appears to me to be a forged letter from XXXX XXXXXXXX XXXX ( whom theyve claimed to have been representing since filing suit XX/XX/XXXX ) I received XXXX day after last hearing on XX/XX/XXXX, stating since they cant reach a repayment agreement they are NOW ASSIGNING the accounts to Suttell and Hammer and White. XX/XX/XXXX, I received updated letters this time they changed their DBA name from Suttell Hanmer and White to Suttell and Hammer. IMPORTANT POINT : PLEASE NOTE THEY LEFT OUT ON ALL LETTERS XXXX XXXX identifies which state they are licensed in. XXXX  XXXX or XXXX. are assigned to do business in certain states. Suttell & Hammer clearly violated my rights in many ways including no license number on any documents sent to me, not disclosing how to dispute any debt. Please note 2 days after my last complaint dated XX/XX/XXXX, on XX/XX/XXXX, XXXX XXXX XXXX Attorney based out here in California and who appeared at trial conference hearing in XXXX XXXX XXXX XXXX requesting time for hardship request, sent me a request to dismiss not stamped or filed by court but completed with her signature on it. Clearly attempting to make it go away without judge seeing facts in this case. Now why would she request a dismissal less than a month after her lie requesting a hardship request knowing there was never one and trial conference set XX/XX/XXXX? Also plaintiff XXXX XXXX XXXX advised me XX/XX/XXXX, and on another call I made to them XX/XX/XXXX, that they assigned these accounts to a new agency to collect called XXXX on XX/XX/XXXX. I would think BXXXX XXXX XXXX KNOWS they are being represented by Suttell and HammeXXXX but they decide to assign to XXXX before a trial??? I do not think so!! They are not licensed to do business here in California however are still doing so!!
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

XX/XX/year> Dear Experian : After checking my credit report today I had noticed 8 XXXX XXXX  accounts being reported as " OPEN ''. These accounts are closed, the creditor had reported them as " closed '' and it appears as if they where reported again as " Open. '' Further, the total balances on XXXX XXXX student loans are reported inaccurately. I am asking you to contact XXXX XXXX and correct my credit report. The 8 accounts are closed. 

thank You for your assistance.
Consumer complaint received 2024-01-22
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. (NJ)

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. 

Account name : XXXX XXXX XXXXXXXX Account Number : 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 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.