davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Two problems same banking credit company Bank in charge of two of my credit cards XXXX XXXX XXXX XXXX and XXXX. First XXXX I purchased a custom XXXX  and put it on monthly payments which were interest free. I paid off the ring in XXXX of 2021 in full. I had received statements every month till XXXX which listed my balance as XXXX. Then in XXXX I get a bill that stated I owed XXXX some dollars I immediately called customer service and asked why I owe this amount and why hadnt I gotten a statement before this if I did owe money which I didnt because I paid off the account. They stated I owed XXXX as a close out of the account that was paid in full of over XXXX $ then they charged finance fees for late payment. After a long discussion and speaking with supervisor it was of course erased. 
Now they reported I was late a payment which I was not and my credit score took a XXXX of XXXX points Does it end there! 
XXXX again Comenity Bank get a Bill for over XXXX dollars all finance charges for a bill that was paid in full but interest was not until next statement since I call in to pay Bills each month and knowing I had paid in full my statement from XXXX I had no idea that there was an interest amount to be paid. They in turn charged late fees totally XXXX XXXX Yes I again had a discussion with a supervisor and again it was taken care of with me owing nothing. 
Why the complaint Comenity bank is getting over and I believe charging fraudulent charges. This is the Fourth incident I have had with them over the last 10 years. The first two happening well over 10 years. To have 2 so close together and so similar in accounts. Either they know they are deceptive or something is wrong with their automated services, which I doubt because I NEVER have any problems with any other bank I deal with my credit cards with. I can only imagine the number of people who dont know about their deceptive practices and how their credit scores can be affected. I believe Comenity bank practices should seriously be investigated!

You didnt allow space for two credit cards so here is. XXXX # XXXX This surely shows a pattern and if you note my credit history I am always on time with all my payments 100 % of the time and most times pay off the entire balance monthly
Consumer complaint received 2023-08-09
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. (NY)

XXXX XXXX XXXX Account number XXXX this account is fraud i have spoken to the collection company in regard to this account they contact me at my work place. which violated my rights please remove account asap
Consumer complaint received 2021-10-05
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. (GA)

Transunion, XXXX, and XXXX are reporting accounts on my report that i have no knowledge of. I have disputed these accounts numerous times and yet they refuse to remove the unverifiable accounts from my report. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2021-10-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash but XXXX XXXX XXXX XXXX XXXX took cash. The finance charge its suppose to include insurance but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.
Consumer complaint received 2021-10-05
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. (GA)

XXXX, experian, and XXXX are reporting accounts on my report that i have no knowledge of. I have disputed these accounts numerous times and yet they refuse to remove the unverifiable accounts from my report. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2021-10-05
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. (SC)

Transunion, and XXXX after numerous letters has refuse to remove unathorized inquires i did not give any permissible purpose or written consent. I contacted each company on my credit report and they told my to contact the credit agencies, which i have done and they still refuse to remove. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. You have not provided me with any information on how you verified these items. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit , Insurance Employment, Court Order The following credit inquiries are related to none of the aforementioned permissible
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (LA)

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

15 U.S.C 1681 section 602 A. States I have the right ton 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 Creditor Name XXXX XXXX XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX, XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX Account No. 
XXXX
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I was a consumer of Bank of America for years and on XX/XX/XXXX I paid monthly payment and on XX/XX/XXXX I paid the full statement balance before the due date which was XX/XX/XXXX. I did not close the account I decided to keep the card. I noticed at the end of XXXX I received a bill of approximately {$68.00} interest charge. I called customer service, because I understand that if a payment is made in full before the due date there is no interest charge. I spoke with XXXX ( not sure of the correct spelling of her name ) informed me I was being charged interest and I paid every other month and this month is no different, to which I inquired because that made no sense, after going back and forth she determined there is nothing she can do, I then informed her I want to close the account. I no longer wanted to patronize a company that did this kind of thing to their consumers. Today I called again to speak to someone in a higher manager, and she informed me the interest is from XXXX billing cycle, again this makes no sense because I made XXXX payment in XXXX ( one was the full statement balance of {$3900.00} ) before the due date and is being charged interest which she stated accrued because I did not call and say I want to pay my statement balance. And because the interest was generated on the XXXX of XXXX and I did not pay in full in XXXX ( even though she is telling me this cycle is for XXXX XXXX XXXX  ). My question is if I am making a payment in XXXX that interest would be for XXXX and when the new cycle started on XXXX XX/XX/XXXX my balance was zero, why am I being charged this amount? Who do I need to speak to have it removed. I have other credit cards and this is the only one that I have this issue with and it is disheartening. I am currently not working and paying off my balance helped me while I am trying to find a job ( no monthly payments ) but to come up with another {$68.00} is painful and unfair to say the least. I emailed the CEO of the company today hoping to get a response.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, experian, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Consumer complaint received 2023-08-09
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. (NJ)

Account : XXXX XXXX Account # XXXX Is currently reporting late on my credit report starting from the month XX/XX/2023 to XX/XX/2023 which is INACCURATE. an I request that the late payments be IMMEDIATELY Removed an updated
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lazega & Johanson LLC (GA)

I called the # listed by employer for XXXX to address that 70 % of my pay was being garnished every 2 weeks as opposed to the 25 % noted in a statement I received from the law firm that never served me the court order. XXXX has a phone prompt that direct you to a # supposedly to the XXXX XXXX XXXX XXXX. Calling the # did not take me to the Magistrates office instead it went directly to the law firm that continues to target me every couple of years for non-payment of HOA fees that cant be paid due to same law firm blocking annual payments. I attempted to pay last years HOA fees in an attempt to prevent another occurrence and was not allowed to make a payment due to my need to settle the previous alleged debt. I have brought the concern ( my disposable pay is {$1200.00} bi-monthly, {$860.00} is being garnished for an undetermined time for a dept of an amount that supposedly includes a {$1300.00} principal and {$4100.00} atty and court fees ) to my employer who keeps referring me back to XXXX who doesnt respond in person. I am a XXXX y/o single female who can no longer pay my mortgage, my utility bills, etc, etc
Consumer complaint received 2021-09-10
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: Self Financial Inc. (VA)

Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXXSELF/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-09-10
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. (TX)

{ ACCOUNT NAME : XXXXXXXX XXXX XXXX 
ACCOUNT NUM:XXXX ACCOUNT TYPE : CREDIT CARD ACCOUNT BALANCE : {$160.00} ACCOUNT OPENDEDXXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. 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 INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a f ormal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me 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 ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2022-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good afternoon to you. I am submitting this compliant to CFPB due to multiple attempts to peacefully resolve this ongoing failure to report and conduct a proper investigation of an account on my Credit Report : XXXX XXXX XXXX. I have made at least 5 attempts total with XXXX and Transunion. 

I reviewed my credit report with XXXX XXXX and noticed a discrepancy on my account in terms of payment with XXXX XXXX XXXX from the period of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well a issue of double reporting with XXXX XXXX between the period of XX/XX/XXXX and XX/XX/XXXX. I enclosed documentation and contacted furnisher XXXX XXXX XXXX to make a request of requesting Credit Dispute Response from XXXX and Transunion showed multiple inaccuracies on my credit report stemming from XXXX not reporting XXXX, XXXX, Terms, payment history as well of personal identifies : Previous address, Phone number, and Scheduled Payment. On Transunion 's end there were multiple errors as well I pointed out from Inaccurate phone number, Previous Address of XXXX XXXX XXXX XXXX XXXX, PA XXXX does not exist, and the most blatant FCRA violation on the Credit Responses on multiple times from Transunion did not show no notice of Transfer Status which is an automatic violation to have this negative account to be removed from my credit report. I also enclosed these responses from Transunion and XXXX to Transunion to show clear factual evidence of XXXX XXXX XXXX employee, XXXX XXXX reporting inaccurate information multiple times. If the furnisher is supposed to report complete and accurate information to all vendors consistently and it appears this is not the case. I am formally requesting my only remedy is to have this negative account removed from my credit report. I will not accept no other remedy due this is impacting my credit worthiness.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (GA)

I had a credit card with Barclay 's Frontier Airlines that was unfortunately closed and charged off due to my being unemployed for several months. Barclays sold that account to XXXX XXXX. I paid XXXX XXXX  and settled the drbt in XX/XX/2021. XXXX XXXX 's policy is pay for deletion, which they have done, however Barclays is continuing to report that debt to being currently theirs to all 3 credit bureaus. I have disputed and submitted the paid in full letters to all three credit bureaus and Barclays, but Barclays refuses to update and correct the information. Because of this inaccurate reporting from Barclays, my credit scores have dropped over 100 points. I have worked hard to save money to pay off my debts and save money to purchase a home. Because of this Inaccurate reporting I can not do so at this time. I need this information that it causing severe damage to my credit worthiness corrected an removed
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CT)

I have reached out to XXXX a few times to update my credit report and they are still showing open accounts that are paid in full : XXXX XXXX, MIDLAND Credit Management. I do not owe this money and have paid off my accounts in XX/XX/2021. They are still showing open. Under the advise of my attorney, XXXX XXXX, I have sent certified letters and still nothing from XXXX even acknowledging my complaint. NOW, the final step once again is to contact you for another investigation.
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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 2021-09-02
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)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-08-23
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  XXXXBalance Owed : {$1000.00} ; XXXX  XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-09-02
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: OneMain Finance Corporation (GA)

Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from OneMain Financial. I have no banking relationship with this company and theyve pulled my credit without my permission on the date of XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.