davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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)

This is my second 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 alleged fraud or extortion XXXX XXXX XXXX  XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX cancelled my flight ( from the US ) and offered me a credit instead of a refund. The DOT says they have to issue a refund. American Express aided unfairly with XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NC)

First off I should be suing XXXX because who lets a XXXX yr. old upgrade a phone without their parents consent? I had already paid the first one off & Im still walking around with a XXXX  myself. They didnt have my permission nor my signature for him to trade in phones, switch yo an upgrade, or however it works. I was y present not notified til the bill came in the mail. I was recently laid off from work & months prior to my layoff I was out with XXXX back to back so I know everything was done without my consent because I wouldnt have agreed to it or signed for knowing the situation im in & knowing I wouldnt be able to pay for it
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. (IL)

Ive sent multiple letters to the company 's XXXX, XXXX, Transunion Showing them plenty of Errors and Violations they have made on my reports and they have yet to remove them and I'm getting frustrated they are hurting me from gettin me and my family a home in this pandemic!!
Consumer complaint received 2021-01-09
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: Experian Information Solutions Inc. (PA)

I disputed my XXXX account in XX/XX/2021 because the account is too old to remain on my credit report. It has been 7 years since date of first delinquency. I received an email stating the investigation was completed, however when I followed the link to check the dispute results, nothing had changed. There was a box that said " Here are the results.. '' and nothing was listed as changed.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX  XXXX XXXX continues to tell XXXX, Equifax and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.
Consumer complaint received 2022-04-25
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: The CMI Group, Inc. (IL)

Credit Management Lp has a collection reported to the 3 Credit reporting companies that is part of a fraud investigation. The account number for Credit Management Lp is XXXX. I would like this to be removed from all Credit Reporting Bureaus as it is fraud.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX XXXX XXXX continues to tell Transunion, XXXX and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.
Consumer complaint received 2022-07-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX ( Hard Inquiries are listed below 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-08-18
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-13
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$200.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$1600.00}
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently reviewed a copy of my credit report on XX/XX/2020 noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy! 
Here is the item I am asking you to verify as accurate : Experian : 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 2024-10-17
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CT)

Around XX/XX/XXXX I called Comenity bank to dispute a charge I made on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX for {$1000.00}. Today, XX/XX/XXXX, upon logging in to make a payment and that the {$1000.00} plus interest has been put back onto my card. I had not received any forms of communication from Comenity saying this dispute had been 'resolved ', not did Comenity make any attempts to collect evidence from me about this dispute. I called customer service to inquire about this dispute and was told that XXXX XXXX XXXX XXXX informed Comenity that they have contacted me in regards of my dispute. THIS IS A LIE. XXXX XXXX XXXX XXXX has made ZERO attempt to contact me. When I informed Comenity that they had been lied to, and have based their decision off of false information they said their decision was final. I asked to speak to the resolution department, or the dispute department to make a complaint and I was told I couldn't. They informed me I could only send a printed letter to them. I made all efforts I could on the phone to informed them that XXXX XXXX XXXX XXXX NEVER contacted me. I have attached evidence showing the correspondence between XXXX XXXX XXXX XXXX and myself. On XX/XX/XXXX they requested information detailing what was wrong with the item and pictures. I sent what they requested and then I HAVE NEVER HEARD FROM THEM AGAIN. As you can see via the email document I have attached AND a screenshot from XXXX XXXX XXXX XXXX own resolution center where it shows that NO ONE has responded to me IN ANY WAY SHAPE OR FORM. Hence PROVING this company lied to Comenity, and Comenity has based their decision off of FALSE INFORMATION. This decision of the this dispute should be reversed immediately.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

First, I want to thank you for helping me with XXXX XXXX XXXX  I have my account opened and all is going well. Second, I do not have a credit card with XXXX and they have an inquiry on my credit report. Third Experian still has my name as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that is not my name and my old address listed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is my former address and I would like it removed as well my name which is XXXX XXXX and is listed correctly on my XXXX and XXXX credit report. I know it takes time and I am trying to make a fresh start for the XXXX XXXX and finally thank you for your assistance XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I am writing regarding inaccurate late payment entries on my credit report. I submitted a formal dispute of these items over 30 days ago and have not received any response or validation of these reported late payments. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to : 1. Investigate disputed items within 30 days 2. Provide validation of reported information 3. Correct or remove any inaccurate entries
Consumer complaint received 2022-07-22
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. (CA)

This is to inform to the CFPB of the bad practices TransUnion has caused to my consumer credit report today. Thursday XXXX XXXX XXXX as I was reviewing my personal information on TransUnion, I have noticed my name spelled incorrectly. on my personal info also as know is showing a mis spell name by the name of XXXX XXXX XXXX I decided to call TransUnion to inform the name off XXXX XXXX XXXX which this name is in accurate. I have spoken over the phone with a representative and she mentioned that in order to change the name that appears incorrectly on my TransUnion credit report she needs to generate information from her system and since the information wasnt generated. by her policy, they can not remove the inaccurate name showing on my credit report. Even though she had verified my information over the phone she was discussing my credit report. it does not make sense for me to mail my information if she already knows the right person she's talking to. I have verified my information over the phone to TransUnion she will not remove that inaccurate name showing on my credit report. I have provided in the past my Social Security. my change of address and my California ID. TransUnion that information is on her system and if my information wasn't in her system why do I receive mailing correspondent to the address. and yes, I do have a security alert on my TransUnion as a consumer I am requesting a removal from that inaccurate information you as a creditor is to make sure that the information you furnish is accurate not 95 % but 100 %. I have provided you with the information you requested. your job is to remove my information that is inaccurate as soon as possible. is causing me problems. remove it is spelled incorrectly. and update my original address and eliminate the old address which this addressXXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX does not received any correspondent mail anymore. 
thank you. 
Sincerely : XXXX XXXX XXXX.
Consumer complaint received 2022-07-22
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)

I have reached out to the credit bureaus, and they said that they verified the information from my credit report during their investigation. But how is that possible when the last date active was incorrect, the account type is also inaccurate. This is definitely grounds for removal, which they have violated my rights under 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 2021-10-15
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. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-09-20
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.