davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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. (VA)

In accordance with the Fair Credit Reporting act XXXX. Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : 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
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently, I did an an investigation on my report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-07-28
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. (FL)

I accordance with the Fair Credit Reporting act XXXX  the following Account numbers have violated my rights : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX U.S. Department of Education - Account # XXXX DEPT OF ED XXXX XXXX - Account # XXXX XXXX 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 2022-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Loan was for a company which was shut down during covid and has been forclosed. Caine & Weiner Is a debt collection agency which has reported debt to my personal credit even though it was not personal debt and did not have a personal guarantee signed on the debt. If anything they need to be reporting it to company credit and not bully me personally to pay debt that is not mine.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OH)

Fortiva credit card has issued excessive fees on my credit card. My due date is the XXXX of the month, XXXX, XXXX, I paid the bill the XXXX .TWO DAYS late because I was ill with covid. I called the company and the representative stated they would waive the late fee. HE DID NOT!! Not only was it not removed, from XXXX to XXXX, I am being assessed $ XXXX, As of XXXX, the minimum payment due is {$240.00}, which I can not afford to pay., I had previously paid over the minimum amount due which ranged from $ XXXX. I always paid $ XXXX which WAS over the minimum payment I NEVER missed a monthliy payment. .However, this company does not appreciate the consistent paying consumer. Does not hold true to their word ( waive the late fee ) and fleecing the consumer with continual, excessive late fees. As of today, XX/XX/XXXX, I closed the account, however, was told these late fees will continue. {$46.00}, month which will soon equal the total amount due XXXX,, I have until XX/XX/XXXX to pay the {$240.00}, for XXXX, which will continue to accrue. Presently, theyre, asking 45 % of the total balance {$550.00}. Please help me. This is totally ujust. On XX/XX/XXXX, I faxed XXXX. documents with the statements along with my complaint, I have received no answer.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (TN)

I am a victim of identity theft, here are the hard inquiries listed below : XXXX XXXX XXXX, MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX I received an alert from XXXX  regarding past due credit card XXXX  bank XXXX visa CredyCard. Last time I used card was XXXX. I paid off balance in XX/XX/XXXX some how a {$2.00} dollar interest rate fee was incurred and continue to add up. No call no email and from XXXX to XXXX incurred {$30.00} of which I paid. This practice by hidden interest rates was not disclosed to me and currently shows negative points on my credit report.
Consumer complaint received 2019-10-28
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. (NY)

Equifax is currently reporting illegal activities on my credit profile. ( Please see attachments ). 

Portfolio recovery and associates- is a reaged account that appears on my Equifax credit profile XX/XX/2019. This is a violation. Please remove this account immediately. 

XXXX XXXX XXXX XXXX- is reporting a past due amount on a collection account. This is a violation. Please delete this account immediately. 

XXXX XXXX XXXX XXXX is currently delinquency on a collection account. Please delete immediately.
Consumer complaint received 2023-02-23
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: AMERICAN EXPRESS COMPANY (NY)

I have fraudulent accounts that were opened in my name as aresult of the data breach and I have reach settlement with the credit bureau regarding this. This has been reported to the XXXX on XXXX to XXXX XXXX XXXX badge # XXXX and filed under case # XXXX after I was made aware of these accounts by looking at my credit reports. This has been reported to all involved parties but the accounts are still reflecting on my credit file.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and made by the following companies investigate the following information. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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. 
Please be advised I dont want to receive any stall tactic computerized response in reply to my dispute letters by bureaus.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-13
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. (GA)

In accordance with the Fair Credit Reporting act 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 instructions
Consumer complaint received 2022-04-13
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)

On XX/XX/2022, I sent certified letters to dispute charge-offs on XXXX, XXXX, and Transunion credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.
Consumer complaint received 2022-01-17
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have Disputed this Account the XXXX XXXX  Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX  is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX  XXXX reporting information about this Account.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX  credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Consumer complaint received 2021-11-24
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: Paramount GR Holdings, LLC (IL)

-2019 Loan Pal, now known as Good Leap allegedly remitted payment in the amount of {$18000.00} to a company called XXXX XXXX for the installation of solar equipment on my home. XXXX XXXX never completed the job, disbanded the company and the owner filed for and was discharged in a XXXX XXXX XXXX 
XXXX Good Leap AKA Loan Pal has refused to show proof that they ever funded the contractor with the funds, and maintains that I still owe them the money for the project even though it was never completed .... Good Leap AKA Loan Pal has since damaged my credit beyond belief which has also been the cause of issues with my current employer and the denial of several other positions of which I applied. Good Leap AKA Loan Pal has also continuously harassed me via telephone and has had an Attorney reach out to me threatening legal action...
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Reporting act XXXX Account # XXXX XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX**** XXXX XXXX  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 In accordance with the Fair Reporting act XXXX XXXX  # XXXX XXXX  XXXX 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 In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX 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 In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-01-14
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (IL)

I received a notice from XXXX XXXX  that I had a hard inquiry from my credit report from 2 companies on XX/XX/XXXX. The companies were XXXX. I have not applied for any credit on this date so I called the company to inquire. I called the company on XX/XX/XXXX. XXXX which is Chase at XXXX they would not disclose anything if I was not already a Chase consumer. I would like to report these for potential identify theft concerns. My last name is XXXX and has been since XXXX the name on the denial letter is XXXX my former married name. The company indicates they were not able to reach me to speak about the issue that is not true. I received a call from Chase the telephone number was XXXX at XXXX on XX/XX/XXXX letting me know they were contacted by CFPB and that they would be investigating this claim and sending me a letter with the results of the investigation. Yesterday XX/XX/XXXX I received a denial for credit letter in the mail from Chase so someone did apply for credit using my information. I am concerned because a former last name was used and this was not caught by the person running my credit report. I did not apply for this credit card nor authorize my credit to be run. I am now attaching the denial letter from Chase ATTACHMENTS XXXX XXXX ( XXXX KB )
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-02-21
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: Bread Financial Holdings, Inc. (HI)

I purchased {$30.00} worth of Childrens clothes with my Childrens Place/Comenity credit card. I made the payment with Comenity, paying off the card. I was unaware that they payment was not completed due to having old banking information store to pay the bill. I was not sent any type of notification even though, I had enrolled in paper statements. A {$30.00} late fee was attached and I noticed that the payment had not gone through my bank and was unaware of why the original payment did not go through, so I tried again to pay the bill ( not knowing that the bank account used to make the payment was a closed bank account stored within Comenity ( account closed due to a recent divorce ). This time, I checked to see if paper statements were turned on and they were still off, so again, I made the change to paper statements. Once again the payment did not go through and I was not notified by paper so another late payment of {$30.00} was applied. Making my total balance {$90.00}. This time, I called customer service and asked them what was going on with my payments, they relayed the information that the bank account info was not correct, therefore not going through, so I was able to get assistance in changing the banking info so that the payment could be pulled from the correct account. I also received assistance changing the statement to paper statements since they still showed electronic. If paper statements had been sent to my house, like I had originally requested, then I would of received the notices/statements and this whole mishap would have been avoided and payments would be reached on time and pulled from the correct bank account. I explained the reason that I need paper statements is because I am XXXX XXXX military, working in the field and when statements are sent, my roommate or mom can notify me of my mail and bills that need to be paid. Since being in the field many times, I don't have access to a computer to check accounts so the papers statements allow my mom, to make the payment for me when I am in the field. Because of this, my credit score dropped 70 points and it went from Excellent credit to Good. I disputed the incident with XXXX  and they corrected the late error and my score increased. When I disputed the incident with XXXX, my lowered score stayed the same. When I called Comenity about the issue, they said that there was nothing they could do to assist, that they don't have any way of changing late payment information that is reported to the credit bureau.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have paid TransUnion a couple times to monitor my credit and send me a report but after trying to get my report sent to me and not being able to confirm one of the questions about a credit card the agency refused to speak to me further. 
I also called to get an answer about why there was credit cards offers being sent to me. When I had a lock on my credit so I thought since XXXX and the agency didn't have any information on it but had a report made in XXXX when I made one myself in XXXX of XXXX and again after my mom died in XX/XX/XXXX because I knew family or so called associates would take everything I owned and so far I've not been proven wrong. My mother had a life insurance policy that was meant for me. And because she passed without a will I got financially abused. People used me for their own gain I suppose.
Consumer complaint received 2019-10-27
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. (MO)

I am unable to assist anymore. I threw out all credit reports, email and passwords. 
It is just so overwhelming. No one cares that two bullies stole my identity and committed Identity Theft and Fraud. 
I am sitting in the floor. I literally own a small bag of clothing, my blanket, my two prepaid phones. This is what I own now. I am XXXX years old. I can not write anymore letters. I don't have anymore money for postage. Too much money spent on trying to help myself and the credit reporting companies just keep adding more. I submitted my identity theft and fraud report. No one wants to accept it. Because if they accept it they can not report it. My health has been put in a not so good way. I don't eat, unable to sleep, my family thinks I did all this stuff. But I did not. I have no friends, unable to attend church. I barely have a home. I have a floor to sit on. Why the government or police or someone did not help sooner is unconscionable. XXXX once again and again no more. My phone number had changed celebration. XXXX and a second number for back up XXXX. Nobody believes fraud. They just say you should pay your bills. I did and still do but my housing is coming under attack because my credit score is so low, won't have a home and with the cold coming on and no coat I won't last anyway. I do nothing but sit and cry and pray everyday. You should go help other people. I am just waiting your time. XXXX XXXX