davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
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)

In accordance with the Fair Credit Reporting Act, Account XXXX XXXXXXXX XXXX Acct # XXXX Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX Acct # XXXX Violated my rights under 15 U.S.C.1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX  Acct # XXXX Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX Acct # XXXX - Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, under 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt.

In accordance with the Fait Credit Reporting Act, all these accounts are in direct violation of my constitutional federal rights under 15 U.S.C. 1681
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I am trying to refinance my house and they said I owe XXXX to Midland funding, I don't know who Midland funding is and I don't owe them anything. I have checked my credit report and my credit is good and nothing from Midland funding on it. I have in the past been a victim of identity theft and fraud. I have numerous of credit cards and also can get anything I want with my good credit. I want this matter resolved because it is messing with me trying to refinance my home. This has never happened to me before. I don't owe this debt, thanks in advance.
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bessine Walterbach, LLP (MO)

I have two companies actively pursuing the same medical debt from me. I have asked for validation letters and they provided with the exact same bills. 

I do not know who to pay or to set up plans with as they both say they own the debt. 

Bessine is charging interest and threatening to take me to court Consumer collections is not charging interest but is showing on my credit as a collection. 

I have attached the letters and records of both.
Consumer complaint received 2023-11-20
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. (CA)

I have been disputing an account that is unlawfully on my consumer report with XXXX, XXXX and Experian. 

They have refuse to even acknowledge the issue with my request and continue to send me cookie cutter dispute responses that doesn't address the issue. 

The request was for a Child Support account to be removed as the name does not match my legal name ( My legal name is XXXX XXXX XXXX and they are reporting it on my account as XXXX XXXX XXXX ) and the account should be removed due to it not meeting FCRA requirements. 

I also disputed this with the child support agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have now closed this account due to their error yet the it still appears on my report. 

I am demanding this account be removed as it is inaccurate and effecting my creditworthiness and not allowing me to obtain much needed business credit to improve my families situation. 

Attached is a letter from them proving that this account is now closed and it clearly still shows my legal name being in error which is an FCRA violation and should be removed from report for good. 

I am ready to take legal action if the request remedy does not take place as this is a direction violation of my rights. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OK)

On XX/XX/2023, I received an email from my cable provider ( XXXX ), that my automatic payment to XXXX XXXX XXXX XXXX XXXX XXXX  ( issued by Comenity Bank, bread financial ) had failed. On XX/XX/2023, I called the XXXX XXXX XXXX XXXX XXXX  customer service number. I learned that my card was canceled due to suspicious activity, and that I would be receiving a new card with an explanation in the mail. On XX/XX/2023, I received the new card, but there was no explanation. 
Again, I called the XXXX customer service number, to ask why my card was cancelled, and also to inquire about receiving a payment for my points. I was then told that my points had been redeemed on XX/XX/2023, and that the suspicious activity involved a change of email address on my account, and that theyd make a note of the missing points ( {$23.00} ) and a supervisor would call me in 10-15 business days. 
Then, on XX/XX/2023, I received a letter from my cable provider that I was being charged a {$25.00} returned payment fee. I again called XXXX XXXX XXXX XXXX customer service and asked if they would cover my late payment fee. I got a very rude customer service representative, who told me they would not cover the fee, because the fee was on their card. Obviously, when I received the automatic payment failure notice from the cable company, I immediately paid my bill with another credit card, because it was due and I did not want to incur late charges. Unbeknownst to me, my XXXX XXXX XXXX XXXX was cancelled approximately a week earlier, and I was without their card until I received the new one approximately XXXX weeks, later. 
On XX/XX/2023, I again called XXXX XXXX XXXX XXXX customer service to inquire whether they would cover my XXXX cable {$25.00} late fee, and they said No Do banks not have cyber security insurance? I use a credit card for protection. 
In addition, I still have not heard back from a manager on the missing rewards points on this card. 

I posted on my XXXX page, and XXXX of my friends said she also had this XXXX XXXX, and she also found out it was canceled when it got declined while trying to purchase gasoline. 
It sounds as if Comenity had a widespread hacking ( theft of rewards points ) issue, and cancelled and replaced a large number of XXXX XXXX XXXX XXXX XXXX, without notifying the card holders. 
However, they are not covering cost incurred by the card holders for transactions failures due to the sudden cancellation of the cards.
Consumer complaint received 2023-02-16
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX  Balance {$0.00}.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I was recently denied a business line of credit due to too many inquiries. After carefully reviewing my credit report for all bureaus I noticed MANY concerning inquiries on my report that I NEVER authorized and has to be someone using my information without my consent. Please help me get this matter handled at your earliest convenience. Thank you very much in advance.
Consumer complaint received 2023-04-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (LA)

I have disputed this account and reported it as fraudulent account open in my name I advised them that I am a victim of identity theft and have been dealing with fraudulent accounts open in my name, on XX/XX/2023 I received a called from a collection company claiming to be a lawyer for Netcredit and they are attempting to collect on their client behalf. He told me that he see the notes on the account and that if I dont pay they going to sue me and from the looks of it Im not going to do anything. I ask them for the company number that their representing he wouldnt give me the number
Consumer complaint received 2022-06-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ON XXXX I REFINANCED MY CAR FROM XXXX TO XXXX. MAILED PAYOFF CHECK ( {$10000.00} ) TO XXXX  VIA US PRIORITY MAIL EXP TRACKING, WHICH WAS DELIVERED, LEFT W/INDIVIDUAL XXXX @ XXXX. I FILED XXXX XXXX ON XXXX TO PAY OFF ALL DELINQUENT GOV DEBTS. ON OR AROUND THAT TIME XXXX SUBMITTED A PROOF OF CLAIM ON THE CAR. XXXX CASHED THE PAYOFF CHECK AND MAILED THE CAR TITLE TO XXXX ON XXXX BUT NEVER FILED TO AMEND THEIR PROOF OF CLAIM FOR PAYMENT WITH THE COURTS. AS OF XXXX I WAS STILL TRYING TO HAVE XXXX AMEND THEIR POC. I HAVE SINCE BEEN NOTIFIED BY MY XXXX ATTORNEY THAT AN AMENDMENT HAS BEEN FILED ON XXXX 'S BEHALF BUT NOT BEFORE I FILED AN OFFICIAL BBB COMPLAINT. MEANWHILE I HAVE BEEN DISPUTING MY TRANSUNION CREDIT REPORT SINCE XXXX. I HAVE SUBMITTED EVERY DOCUMENT POSSIBLE TO HAVE THE INFO THEY ARE REPORTING CORRECTED. THIS ACCOUNT IS NOT NOR HAS BEEN APART OF MY XXXX. MY LAST DISPUTE WAS IN XXXX AT WHICH TIME I UPLOADED A DOC FROM XXXX STATING THAT THE ACCOUNT WAS PIF ( IT EVEN HAD A REF # ). YET THE DISPUTED INFO NEVER CHANGED, ITS AS IF TRANSUNION NEVER EVER INVESTIGATED ANYTHING. PLEASE, THIS ACCOUNT SHOULD NEVER HAD BEEN MARKED AS BEING IN XXXX OR APART OF A DEBT REPAYMENT PLAN AS IT WAS PIF AND TITLE MAILED TO APPROPRIATE PARTY IN XXXX. THE PROOF OF CLAIM ON THIS ACCOUNT SHOULD HAVE BEEN AMENDED IMMEDIATELY AFTER RECEIVING AND CASHING THE PAYOFF CHECK FROM XXXX XXXX AGAIN IN XXXX. I JUST NEED TRANSUNION TO AT THE VERY LEAST INVESTIGATE MY DISPUTE AND NOT JUST DISCARD IT BECAUSE FOR THE LAST 4 OR 5 MONTHS IVE BEEN FILING A DISPUTE FOR THE SAME EXACT THING. XXXX ADVISED THEY ARE NOT RESPONSIBLE FOR THE WORDING THAT TRANSUNION REPORTS, REALLY. TRANSUNION ADVISED THEY NOT RESPOSIBLE FOR THE WORDING REGARDING MY COAF REMARKS, REALLY. 
BELOW IS THE LAST DOC THAT I UPLOADED TO TRANSUNION IN XXXX WITH MY DISPUTE, WHEN I CALLED THEM XXXX, THE DISPUTE RESULTS WERE THE SAME AND I WAS ADVISED THAT THE DOC WAS NOT VALID. OBVIOUSLY THERE WAS NO INVESTIGATION DONE. XXXX, PLEASE HELP.
Consumer complaint received 2021-10-19
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. (MS)

Ive written Equifax several times of proof when XXXX XXXX was paid a {$1.00} this payment was never paid yet they said it was verified. 

Ive also requested the 1099-c XXXX XXXX XXXX filing this debt as a charge with the Irs in reference to section 61 ( a ) ( 12 ) XXXX  i also requested the 1099-c for a charge off As well i have reported the inaccuracies across all bureaus nothing is being repaired XXXX  is still showing a balance XXXX is deferred in good standing, but showing negative on XXXX and Equifax
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

When ever I use my card for payments the balance on my account would immediately updated - real time. As of Monday XX/XX/2022 the balance on my account ( checking ) was $ XXXX. After this balance there was two incoming transactions - from XXXX XXXX XXXX of $ XXXX on Tuseday XX/XX/2022 and another from XXXX on XXXX XX/XX/2022 $ XXXX early around XXXX XXXX. However, these deposites were not shown up on the account until Thursday XX/XX/2022. 

And there were two outgoing transactions- one for {$910.00} for home rent, and another for $ XXXX for XXXX energy payment. 
After these transactions my ending balance should be $ XXXXBut I was told my ending balance has a negative balance of $ XXXX The reason the brach manager gave me was, a payment for car rental which is paid on Friday XX/XX/2022 for $ XXXX has been pending and that was the cause for negative ending balance. 
The reason why I didn't buy his reason is : 1 ) Whenever I making payment the Bank App on my phone updated immediately on real time. And I have seen that as I mentioned above the ending balance was {$650.00}.

2 ) Even after {$580.00} clear on XX/XX/2022, stlll my ending balance should have positive balance of {$240.00} or above.
Consumer complaint received 2022-07-29
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 (PA)

On XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX XXXX XXXX offer that was found on the XXXX website. The offer for the card was as follows : " You will qualify for a {$100.00} statement credit if you use your new credit card account to make any combination of purchase transactions totaling at least {$2000.00} ( exclusive of any fees, including the annual fee, returns and adjustments ) that post to your account within 90 days of the account open date. '' After reaching the spending threshold of {$2000.00} spent, I have NOT received the {$100.00} statement credit. 

On XX/XX/2022, I messaged Bank of America about the {$100.00} statement credit. The chat agent XXXX said that I qualify for the credit and that it should post automatically. She stated that if it doesn't post automatically to contact Bank of America. 

On XX/XX/2022, I messaged Bank XXXX American again in regard to the {$100.00} statement credit. The agent XXXX opened a case number for me in regard to the statement credit. The case number was XXXX. 

On XX/XX/2022, I called Bank of America. The agent told me that my case was rejected to so asked to be transferred to a supervisor. The supervisor told me that he would reopen the case and resubmit it.
Consumer complaint received 2022-06-08
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX  XXXX Date XXXX Balance : {$220000.00} ; XXXX XXXX Balance {$0.00} Date Opened : XX/XX/2016 Balance : {$0.00} ; XXXX XXXX Balance {$0.00} Date Opened : XX/XX/2016 Balance : {$0.00}. 

A copy of my Bank statement/Utility Bill, drivers license, W2, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by 3 credit Bureaus not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2024-09-14
Product: Credit reporting 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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-04-05
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: OneMain Finance Corporation (CO)

The company isn't reporting the correct balance owed after receiving payments from my wage garnishment.I made multiple payments since XX/XX/2023 that are coming out of my check every month. My wages are being garnished the payments received are not being reported to the credit bureaus. Not showing the new balance owed on this account.I am trying to move and having a hard time showing this company is being paid because they haven't updated how much is owed to the credit bureaus. It's showing I still owe an old balance of {$3100.00} when I paid {$700.00} that brings the balance down to {$2400.00}. I reached out to the company by email he hasn't responded to my email requesting them to update my credit report. I have to prove this debt is being paid and the amount that is left on this account so I can get a place to move into.
Consumer complaint received 2022-06-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of the inquiry issues with Transunion, I contacted XX/XX/XXXX and XX/XX/XXXX, the customer service representative was of no help either time. I have sent them copies of my FTC reports and am now filling a CFPB report due to this inaccurate information being reported. Below is a listed of the unauthorized inquires on my credit report. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-06-08
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. (CA)

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

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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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 instruction.
Consumer complaint received 2022-06-08
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. (NJ)

In accordance with the fair credit Reporting act XXXX, XXXX XXXX Acct # XXXX balance {$160.00}, XXXX  XXXX XXXX  Acct # XXXX balance {$21000.00}, XXXX  XXXX XXXX XXXX Acct # XXXX balance {$51000.00}, US BKPT CT Pa XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance 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 an account without my written instructions.
Consumer complaint received 2022-06-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act, these companies have violated my rights. 

- XXXX XXXX XXXX / Account # - XXXX - XXXX XXXX XXXX XXXX Account # - 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 2022-04-25
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. (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.

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 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 XXXX years. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 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