davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
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)

ON XX/XX/2020 I reported to Experian that a XXXX  Credit Card did not belong to me. I also made Experian aware that XXXX have removed that account from my credit file. 

In respond to that incident Experian removed that account and dropped my score down XXXX points! Again, I am reporting Experian for their scoring method that is draconian and destructive and by no mean is put in place to help people to improve their credit score. 

No one at Experian can give me a sensible and truthful reasons as to why my score dropped. If the account did not obviously belong to me, then why once again I am being penalized for it?
Consumer complaint received 2022-06-23
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. (NJ)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX 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 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/ I found out that my Chase checking bank account has been frozen. I only found that out when I visited their branch in New York. They did not provide any information regarding the freeze and keep saying it is 'under review '. They make me feel like a fool talking to tens of their helpline numbers. They keep saying there is a claim on my account but do not give any information. Even when I visited the branch again, they have no clue why the account is frozen and when the hold will be removed and they keep giving me numbers to call without any resolution. Have not been able to get anything from Chase since past two weeks, they keep adding that 'oh, there is no time frame as to when this might be resolved '. I am completely appalled by this situation, and there seems to be no way out as their team keeps going in circles. I request my funds to be released asap.
Consumer complaint received 2023-01-05
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: Bread Financial Holdings, Inc. (PA)

I Was Told The Credit Card Was Purchased Almost 2years Ago & Im Just Now Finding Out. I Have No Idea Who Could Have Purchased This Account & Why Its On My Credit Report. But I Need This Disputed
Consumer complaint received 2020-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (MS)

On XX/XX/XXXX I received a notification that I had a new account added to my credit file. I looked at my file and noticed that it was a fraudulent account that had been placed by on my credit file. I first interacted with this company in XXXX of XXXX. They placed this account on my credit report and I contacted the company telling them this was not my account. I was told I had to pay it. I then went to the hospital that had this fraudulent account and showed them proof that I was not in the state of Ms to receive services from their company. The woman in the business office told me it would be taken care of and about 2 weeks later the account was taken off my credit file. Now here it is, a year later and this company has placed this fraudulent account on my credit file again while I was in the process of trying to buy a home.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

Comenity Bank, store credit cards for Forever 21 and the XXXX. Reporting incorrect balances and history of cards. My cards were in perfect credit in 2018 until I had made purchases online at both stores that didn't fit, so I returned them to the store for credit-they never applied the credits. I contacted them, they said it would be corrected, but it wasn't after three months, so I closed both accounts. They continued adding " late charges '' on even after I closed them. Now Commenity sold the accounts to " XXXX XXXX XXXX '' who sends mail and calls constantly with different addresses and telephone numbers trying to harrass me into paying them and threatening to go court. This is affecting my credit report with incorrect information. I will never do business with any of those businesses again.
Consumer complaint received 2023-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/, I was notified that payments had not been done after I had set up automatic withdrawals from my credit union. When I called the credit card reps I informed them that no payments had been taken out of my account to verify my routing numbers since the credit card did not have the correct info I proved the same routing info multiple times. The credit card that I had with XXXX XXXX XXXXXXXX became XXXX. I again related the information that all of my information was being entered incorrectly I was told that a letter would be sent in to adjust the late fees, On XXXX XXXX I again followed up and was only given a transferred to another representative. The phone was disconnected. 
On XXXXXXXX XXXX I followed up again on my request to have this credit be corrected since my car loan was declined due to this late fee report showing on my credit report. Again I was given this number to customer service at XXXX ( XXXX ) XXXX When I called this number there is no answer and it automatically disconnects you. 
Please assist me in getting this corrected as I am working so hard to repair this account.
Consumer complaint received 2022-07-01
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. (TN)

The problem with this account is that it was shared without my consent to the credit bureaus not that there is any inaccuracy. XXXX does not have my written consent to share this account and they are continuing to do so. According to the Fair Credit Reporting Act, XXXX is in violation of my rights, this corporation is reporting transactions ( payment history ) on my consumer report. According to 15 U.S.C 1681 2A paragraph 1 states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. 15 USC 1681 also states that I have the right to privacy, with this account being shared to the bureaus this violates my privacy rights.
Consumer complaint received 2021-07-08
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. (VA)

Please help me as I found some strange accounts in my credit report yesterday. I do not know them and they are not mine. Its identity theft and therefore I filed a report. I just ask you to start the investigation and figure out how that possible. And of course delete them from my profile. Thank you and take care
Consumer complaint received 2020-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

This afternoon XX/XX/2020 I called Capital One to make a dispute. Unlike all other major credit card companies, Capital One does not allow online dispute claims. Unfortunately, the male voiced person with whom I spoke, could not speak English coherently. Three times I asked him to spell his name, which was impossible to hear properly, Each time he responded with grunting sounds, such as XXXX  and XXXX. It is against the American public interest to be unable to communicate with a financial institution 's customer service personnel. I tried to explain that I was charged {$12.00} fee for the old auto battery, even though the merchant XXXX kept the old battery.. The Capital One rep obviously could not understand English, as he did not ask any questions, but merely said, as best as I could figure out from his sounds, that Capital One would send me a letter in 15 days refusing my dispute. There is NO CONSUMER PROTECTION when Capital One does not provide customer service who speak English properly..
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I deny the accounts below are my debts, I acknowledge this debt was established without my knowledge and I have no contractual agreement with XXXX XXXX. 
XXXX, XXXX, and Transunion are reporting XXXX accounts with XXXX XXXX that are not mine, evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me and XXXX has not been established disclosure creating credit or specific information such as the original contract with my signature for XXXX XXXX XXXX XXXX, supposedly agreeing to the account or payment terms. As a result, this reporting fraudulent accounts and information on my credit report provided by XXXX XXXX XXXX Automated Customer Verification Information only. The credit report they are reporting under my social security number is inaccurate and procedures were not done to ensure maximum possible accuracy per FCRA 607 ( b ) 15 U.S.C. 1681 et seq. 
I admit that I am victim of identity theft, thus filed an incident report with my local Police Department XX/XX/XXXX case number XXXX, Federal Trade Commission Identity Theft Report, and XXXX ( b ) identity theft report all which have been disclosed to XXXX, XXXX, and TU. 
I admit that this has caused me mental distress because of humiliation and embarrassment ( court date XX/XX/XXXX ) good standing credit accounts closed, and lowered credit score which caused future denial of credit, AND emotional, financial ( injury to credit report and attorney fees, and physical stress as she is a XXXX patient receiving XXXX for health treatment during these correspondents with XXXX XXXX and all XXXX  credit reporting agencies. 

I am a victim of identity theft ( SEE ENCLOSED IDENTITY THEFT REPORTS ). I have no knowledge of the account below or contractual agreement with XXXX XXXX.
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a XXXX Mastercard account reporting on TransUnion and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact XXXX and they were unable to locate this account.
Consumer complaint received 2022-12-08
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: CAINE & WEINER COMPANY, INC. (IL)

Its a lot inquiries on my credit report that shouldnt be on there also from a XXXX XXXX  that I didnt live in, these are not my bills
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX aka XXXX  was paid in full and still reporting as negative charge off. The creditor promised that if I paid within the 2 years balance in full. The charge would be remove in addition to the that the XXXX points would be reinstated reflecting a current balance.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

My checking account with TD Bank shows TWO withdrawals that I didn't make : {$380.00} XXXX XXXX  on XX/XX/2020 {$800.00} XXXX XXXX   on XX/XX/2020 I w

ent to the Bank and reported a claim for this, the bank sent me 2 letters stating that they have completed the review of the complaint and the investigation determined that fraud did not occur. This answer is because the bank is saying that the PIN number was used on both withdrawals. I insisted that I didn't make those withdrawals and they sent me to the police. I went to the Police station and made the report, unfortunately the bank couldn't give me the exact location of the ATM where the money was withdrawn  from for both transactions, they only gave me one location where the {$380.00} was taken from, without the exact location of the other withdrawal of {$800.00} the police can not investigate or get videos. The police said that the bank should be the one investigating all of this and try to locate the videos from those ATM machines since I am telling them that I didn't do the withdrawals or that I didn't authorize them. My card was lost that day and obviously someone had access to it. I need to know who took money from my account specially since the bank is saying that they used the PIN number.
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX  Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. I also have attached letter from XXXX removing me from debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-10-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2020 I made a XXXX transaction for an online purchase for XXXX I immediately tried to reverse the charge because I learned the seller was known for scams. I called Wells Fargo about 20 minutes after I made the transfer and the person from the bank said all he can do is put a fraud claim in, and they would get back to me. Nobody ever did. 
I called Wells Fargo on XX/XX/2020, and spoke with someone, and he told me the case was closed. He continues to explain that they have nothing to do with XXXX so Im basically out of the money. He continued to tell me I shouldnt use XXXX unless its family or friends, but I trusted it because its front and center on their web app.. and I had no idea there was no protection for anyone who uses their service. Highly disappointed with Wells Fargo being Ive been a customer for 25 years and use a service that they promote and they do nothing but say sorry. It was XXXX dollars that I lost and the bank will Do nothing to help Me
Consumer complaint received 2020-10-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

***PLease don't ignore the attachment for supporting documents***** How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment remarks on my credit for last year 2019. I'm not quite sure what's happening with XXXX XXXX  or XXXX   XXXX  not responding, but as you can see on the attachment, i have approved for extension when i called back the last XXXX and honestly i can not be marked late on my credit report. I've already called them and the representative stated that might be an error that i should contact the credit reporting agencies. I been trying to reach both XXXX XXXX  and all the 3 credit bureaus for more than 90 days and i still haven't received any responses. 


I am not sure how this happened, but this is reporting in error and violation of the written contract and even some CRA is reporting incorrect, incomplete, unverifiable and inconsistent information. One is reporting the wrong date of last active, wrong date of last payment, each bureau are showing different payment status, etc. This is impossible if this was ever verified. Please correct and delete from my credit report.
Consumer complaint received 2023-03-21
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. (AL)

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. 


XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDU/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-09
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: LEXISNEXIS (CA)

Previously I filed a complaint with CFPB ( Complaint # XXXX XXXX against LexisNexis for maintaining and selling the information they maintain under my social security and not complying with my request to freeze my file, as well as Opt-Out from selling my information. However, despite their claim to have " Security freeze '' on my file and Opt-out of selling my information in the response letter dated XX/XX/2020, they are still selling my information to XXXX. 
This fact is evident in their response letter dated XX/XX/2020 on complaint # XXXX showing the freeze was applied to a different individual file instead of my file " Security Freeze added to XXXX XXXX RiskView file. '' ( See attached letter from LexisNexis ). They have also on the same response letter referred to my name and title inaccurately, simply showing LexisNexis is extremely careless in regards to collecting information and maintaining information accuracy.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.