davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (TX)

My identity was compromised after the Equifax XXXX XXXX and stolen. Accounts and credit checks have been submitted in my name that I never authorized. 

For months I have resubmitted my FTC report, only for Equifax to do nothing. I have been on the phone being transferred to various different departments for over 5 hours for weeks on end. Never had this issue resolved. 

I filed an FTC report, a police report. They refuse to remove the following fraudulent inquires offering different lies each time of why they won't do their job. XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX delete these as you promised. You are a part of the fraud and have violated my consumer rights. As a result of your incompetence, my credit score keeps going down.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I am not sure how this Happened but I was a ID theft victim and I have send paper work to the bureaus showing that and they still will not remove from my reports The debts do not belong to me Macys/DSNB XXXX {$910.00} XXXX XXXX {$630.00} Act # XXXX XXXX XXXX XXXX  XX/XX/2018
Consumer complaint received 2021-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX and I am submitting this complaint myself. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Transunion XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (WA)

I bought {$60.00} of stamps from USPS. USPS stamp store says delivery was made on XX/XX/XXXX. They were not delivered. The Manager of Customer Service ( XXXX XXXX XXXX ) for USPS XXXX confirms this and said according to the USPS tracking number the stamps were delivered to another address. Amex first credited me with {$60.00} and then reversed this. Two times I wrote XXXX XXXX, chief legal officer, explained this and gave her XXXX ' contact information to confirm what said. She has refused to respond. I emailed XXXX XXXX XXXXXXXX  and explained in detail again and asked to not be called but emailed. A XXXX XXXX from " executive office '' called and left a message. I left word to not call, but email, and to read the XXXX letters first. She again called back, asked me to take my time to explain everything, had not read the letters, and refused to contact XXXX to believe what I said. I told her to deal with me only in writing. The following day she against harrased me and called and left a message. I am XXXX XXXX XXXX and this is elder abuse. I have a more specific step-by-step outline I can email you. Amex believes USPS which gave them wrong information rather than a customer of 56 years with proof of USPS failure. I want Amex to stop harassing me and credit me {$60.00}.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (SC)

The card, which is paid in full monthly and has XXXX balance, was declined without explanation by an online vendor. When attempting to log on to the website, I received a generic message that a " technical glitch '' had occurred. Repeated attempts later in the day generated the same message or a message that a " scheduled update '' was taking " longer than expected '' and that all my information was " secure ''. When calling the customer service phone line I received a recorded message with the same narrative. This has gone on for over 8 hours ; I see from online posts that it may have been going on for days. At this point, this company with my sensitive financial information is completely opaque. I have no way of using the card or of checking any activity on the card or of talking to any actual representative of the company or of simply canceling the card. I've received no information via email from the company.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hi I recently checked my credit report and to my surprise there are fradulant accounts and inquires on my. report. I want to have them removed since these are not my accounts & inquires. I'm a victim of identity theft and would like to take care of this matter as it has given me a big heachache and is stressing me out. Im hoping you can assit me with deleting these false accounts & inquires from my credit report. I will attached my identity theft report
Consumer complaint received 2021-03-04
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. (TN)

Initial letter sent to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) on XX/XX/2020 to dispute a reporting collection with XXXX XXXX ( account number XXXX ) via certified U.S. Mail. Results returned as " Updated. '' A letter requesting the Method of Verification of the debt was sent to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) on XX/XX/2020 advising under FCRA 611 ( a ) requesting the description of the procedure used by the corresponding agencies to provide all information to the creditor associated ( XXXX XXXX ) with the original dispute submitted on XX/XX/2020. The bureaus returned a copy of my credit report stating that the item was " Updated. '' A follow up letter requiring the Method of Verification was submitted to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) via certified U.S. Mail on XX/XX/2020 advising under FCRA 611 ( a ) ( 2 ) ( b ) to provide all relevant information requested under the original request. The same results were returned as " XXXX '' on the credit report, but no method of verification ( i.e. copy of a signed contract to validate the debt was provided to me ). On XX/XX/2020 an additional letter was submitted via certified U.S. Mail under FCRA Section 609 ( a ) ( 1 ) ( A ) to provide verifiable proof of the debt. If unable to provide verifiable proof, they are required under FCRA to remove the account. To date, no verifiable proof has been provided to me and the account continues to remain on my credit report.
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

I on XX/XX/2021, sent a certified letter to the collection agency asking them for " proof '' which is by Law a written contract or agreement bearing my signature. To show the validity of this debt. It has been 30 days and no such document has been produced. so I am filing a complaint to clear my name and my credit
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

This is in regards to Comenity Bank 's XXXX XXXX card. Their entire system and call center is down. I cant log in, see a statement or pay my bill. Gives you errors. Its been days. I've tried calling but at first said it couldn't go through due to technical issues. Now it says their system is down and hangs up on you. 

All I can do is see what I owe in their Easy Pay link. But my balance is WAAAY too high at over XXXX (! ) Dollars. I cant freeze the card, I cant tell what eraneous charges were made, if I've been hacked or cancel the card because I'm completely locked out! 

Even if I wanted to pay this balance thats clearly wrong, I cant as the payment just pinwheels then errors out! 

Never have I ever gone through anything like this in my life with a cc company. This is beyond ridiculous!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

I am writing to formally express my concern regarding the disputed accounts that continue to appear inaccurately on my credit report. On multiple occasions, I have raised these issues and requested thorough investigations into these inaccuracies. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are having a severe negative impact on my credit file, which has caused significant hardships in my ability to maintain financial stability. The continued presence of these inaccuracies is unjustly hindering my financial well-being and disrupting my daily life. 

I am therefore requesting a full and immediate investigation into each of the disputed accounts listed in my credit report. It is critical that all necessary steps be taken to correct and update my credit report without further delay. I trust that with your assistance, I will be able to restore the accuracy and integrity of my credit file. 

Please treat this matter with the utmost urgency. I would greatly appreciate your prompt attention to this issue and your cooperation in resolving it as soon as possible. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-01
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I contacted XXXX and Equifax about a XXXX  XXXX bankruptcy on my credit file. They told me that the got this information from XXXX XXXX and that I need to contact them directly if I felt the information was incorrect. After reaching out to XXXXXXXX XXXX they did a investigation and the result of the investigation is they decide to remove this bankruptcy of my report. After receiving the letter from XXXXXXXX XXXX I forwarded it to XXXX and Equifax and to my surprise they refuse to update my credit file and remove this inaccurate information off my credit file. They put this bankruptcy on my credit file base on XXXX XXXX report but wont take it off base on there report.
Consumer complaint received 2022-07-02
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 (CA)

I make my payment every month on the due date. It is important to know that I am a veteran who suffers from a XXXX. Because of this I have memory problems. So every month I pay my bills on the Date stated on My Bill. It seems that Bass pro shops/Capital one has created a Cut Off time which gives people on the XXXX XXXX XXXX XXXX XXXX hours to pay their bill, While the people on the XXXX XXXX have to pay their bill at XXXX PM XXXX XXXX XXXX This constantly causes me to have a late payment because when I get home from work, I pay my bill but it is after the XXXX Eastern time Cut Off. 
This should Not be allowed. Why do they allow people on the XXXX XXXX until XXXX to pay, but here on the west we only have until XXXX. My Bill says XX/XX/2022, then I should have until XXXX on XX/XX/XXXX to pay my Bill! This is Not an Impossibility in 2022. Capitol one Can make that so and should. Thank you
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

I went to the bank to get a hold placed on my account because of unauthorized transactions. I was refused this because I had a deposit incoming that the bank wanted and instead the bank disputed their fees and the transactions for me. At this point I was informed and had confirmed by the branch manager of the bank that I would get two different provisional credits, one immediately and the other in 10 days. Yesterday was the 10 days and the second credit did not arrive. I called the bank and got excuses and we aren’t giving you what you were promised and when I demanded the bank manager call me back he did not reach out to me. All because the bank was caught in a lie. I want this situation to be resolved by the credit I was told I would receive being immediately placed into my account.
Consumer complaint received 2021-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have filed several disputes with Equifax in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any notice or investigation results. This account has recently ( XX/XX/XXXX ) been reported as accurate and owed without a response to my original certified mailed disputes. Again, I have filed several disputes with the reporting agency and asked the creditor to validate and verify the debt through mail. I also paid the amount owed in full ( XX/XX/XXXX ) in hopes of complete removal but all efforts to no avail. This action being taking by the collection agency violates my HIPAA rights because I never signed anything to give them access to my medical transcripts. The negligence of the reporting agency also violates my FCRA rights and has blemished my credit score.
Consumer complaint received 2020-07-08
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. (TX)

In XX/XX/2020, I disputed an erroneous account that I found on my credit file with all 3 credit bureaus - XXXX, XXXX  and TransUnion. After the investigation, all 3 of the bureaus deleted the item. On XX/XX/2020 - I discovered that the negative item had been reinserted into my file by TransUnion. 
Problem - I wasn't notified within the 5 day notification period that is required or anytime thereafter. I had to contact TranUnion and file another dispute and then they refused to delete the item again. I submitted information to all three credit bureaus stating that the account was erroneous and the company XXXX XXXX XXXX is an unscrupulous company that physically ( in-person ) intimidates people and tries to defraud them through the court system. I have never done business with XXXX XXXX XXXX and have never received any correspondence from them until a man tresspased into my Apartment building pretending to be a postal delivery representative from XXXX XXXX   He waived what he told me was unpaid bills and a court citation in my face asking if I knew anything about it. After the man realized that I was scared & visibly shaken by him showing up at my home ; he stated to me that he doesn't like that XXXX XXXX makes him do that to people. He told me that XXXX changes the names and dollar amounts on accounts that they purchase for pennies on the dollar and immediately files a complaint in court hoping the defendants won't respond so they can garnish their wages. XXXX violated Texas Fair Debt collection practices act 392.302 HARASSMENT ; ABUSE and 392.304 ( 3 ) ( 4 ) ( 5a ) FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX PAID 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 an account without my written instructions.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (IL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-07-02
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. (CA)

I contacted experian and XXXX about a XXXX XXXXXXXX bankruptcy on my credit file. They told me that the got this information from XXXXXXXX XXXX and that I need to contact them directly if I felt the information was incorrect. After reaching out to XXXXXXXX XXXX they did a investigation and the result of the investigation is they decide to remove this bankruptcy of my report. After receiving the letter from XXXXXXXX XXXX I forwarded it to experian and XXXX and to my surprise they refuse to update my credit file and remove this inaccurate information off my credit file. They put this bankruptcy on my credit file base on XXXX XXXX report but wont take it off base on there report.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX Victoria Secret account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a 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 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I lost my job due to my XXXX and I could not pay my auto loan since XXXX. According to my credit report the loan are still active. XX/XX/XXXX the account was opened and is purchase in MN from XXXX XXXX. According to MN the statue of limitation for auto loan debt is six years and Experian keeps reporting it as a current loan and it keep saying derogatory. 
I am still disable and trying to catch up and pay my old bill, I have not been driving a car since XXXX when the credit company keeps reporting negative feed back from my history. From XXXX my credit is score is XXXX and currently have XXXX and trying to rebuild my credit to get myself a car for my transportation to get better for my XXXX. 
I do not know what to do anymore.