davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (IL)

In XXXX of XXXX I had a late payment on a XXXXXXXX XXXX XXXX XXXX because I was sick with XXXX I contacted the company because a late payment was put on to my credit report the company said that they would do a Goodwill adjustment and that they would adjust the late payment in their system as well as with the credit bureaus so that it would not hurt my credit since then they sent me a letter saying that they would do so but they did not to this date they have not I have contacted them several times and each time I got the news saying that they had already corrected it in their system and they had already sent the information to the credit bureaus after contacting the credit bureau several time and putting in disputes they kept coming back saying that the company was still reporting the payment as late after contacting the company yet several times again kept getting the same story that it was the credit bureaus that were lying and had not corrected the file as of this morning I find out that XXXX 's did not do what they said they would do in the letter and are not willing to after all this time I have been a customer of their since XXXX and have never missed a payment they had agreed to this and now they're going back on what they agreed to I have a letter stating such and after contacting them yet again this morning I got a very rude supervisor who pretty much yelled at me and raised his voice and told me they had no plans on doing anything and that he spoke for the whole company Comenity Bank
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am an elderly citizen, I been suffer fraud and I been scam of of unscrupulous people, taking advantage of my lack of knowledge and vonavility of internet technology. 
This situation cost me a lot a financial and emotional in poor shape. 
I been banking with my current bank for more than 27 years and they Knew all the rutine and movment of my funds, and they did not protect me. 
I follow report with the FBI and the Police, unfortunate m Bank the one institution supposed to help me they look other way. 
This situation is costing me my mental heath, so I have keep seen my therapist, I lost all my savings, Please I am asking you help, in this matter. 
Attached is the file Thank you so much
Consumer complaint received 2023-02-22
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-22
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-29
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. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity the
ft. ''
Consumer complaint received 2023-02-22
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. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-22
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. (PA)

Hello, I come to you yet again in the hopes that you will actually do your jobs and hammer these XXXX XXXX XXXX XXXX credit bureaus. Sorry for the aggressive language but I am XXXX tired of having my life XXXX  because people don't do their jobs!!!! 

The Following collection Amounts were ALL PAID IN FULL OR SETTLED FOR DELETE. XXXX  AND TRANSUNION ESPECIALLY HAVE NOT UPDATED A XXXX THING. I AM TRYING TO GET A XXXX  XXXX MORTGAGE AND NEED IT DONE ASAP!!!!!! 

XXXX  XXXX {$120.00} paid in full for Delete XXXX XXXX. {$170.00} Paid in full for Delete XXXX XXXX. Original {$450.00} Settled for Delete XXXX. Was {$150.00}. Settled for Delete There should literally be NO COLLECTIONS on my reports anywhere anymore. I PAID AND OR SETTLED EVERY SINGLE ONE OF THEM FOR DELETE.!!!!!! GET THEM THE XXXX OFF NOW! PLEASE!!!!!!!!!!!!!!
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION (TX)

XX/XX/2020- A background check was submitted with First Advantage and per the client suppose to be back with 24-48 hours in order for us to retain a position. However, First Advantage has been taken advantage of the COV19 situation and, has picked certain people to conduct background check once you up load the picture. They have cost me 3 different clients and each time I lose one another background has to submitted. The supervisor claims more than one person is working on the documents and the courthouses are closed. I told her, " The courthouses are online! '' So, First Advantage is just picking people base on other features and costing me more than {$2000.00}. Their name should be " CANT GET RIGHT '' ..
Consumer complaint received 2023-02-22
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. (NY)

15 U.S. CODE 1666B TIMING OF PAYMENTS 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS XXXX XXXX account # XXXX reporting incorrect payment history on my credit report. All my payments been on time & should not have 30 day late payments, I want all credit bureaus to verify & update my report deleting these late payments as soon as possible
Consumer complaint received 2023-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

My loan switched hands from XXXX to Aidvantage in XX/XX/XXXX. Prior to the switch, I was on an income driven repayment plan of XXXX  XXXX through XXXX, going into repayment on XX/XX/XXXX after the blanket forbearance due to covid and was contracted for XXXX XXXX through XX/XX/XXXX with XXXX This information was somehow lost between the companies during the transition. I have contacted Aidvantage multiple times since XX/XX/XXXX, when the transition between servicers finalized and I received a monthly bill including a late fee for what was supposed to be a {$0.00} payment. I have called MANY times, sometimes being hung up on, being told to just keep calling back, being argued with, told that the change back to the {$0.00} payment plan would be very easy to accomplish, being asked to recertify against the contracted XXXX  XXXX payment, and then being told that the supervisor was refusing to talk to me and that the customer service representative was told to simply de-escalate me because " nothing could be done ''. I am simply asking that they locate the information provided to them from XXXX and get me back on the XXXX XXXX payment I was contracted to with XXXX. 

Attached are the last bill from XXXX with a due date of XX/XX/XXXX showing {$0.00} due and the bill from Aidvantage with a statement date of XX/XX/XXXX, TWO DAYS LATER, showing a balance of {$930.00}, including a late fee for what is supposed to be a {$0.00} payment.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (AZ)

Online access not working to maintain account and pay bill. Every attempt to change password fails and responds with theres a glitch, this problem has occurred for 3 months, I am unable to log in and make payments which led to me being late 30 days and hurting my credit
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I received a copy of my credit report and, to my surprise, XXXX, Equifax and XXXX are reporting a lot of incorrect information. They have several incorrect personal identifiers listed in my credit file and I am requesting that they remove any information that is not completely accurate. I am seriously concerned that the information that they are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I've been getting alerts from XXXX XXXX  that my information is on the XXXX XXXX. Strange addresses popping up under my name.
Consumer complaint received 2020-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (CA)

I have taken out several loans before with Check N Go. It has never been a problem paying them back, even with their exorbitant interest fees. 

The COVID19 virus has hit me hard and I have been temporarily out of work. CnG calls me numerous times throughout the day harassing me for payment. I paid back every penny I borrowed, plus hundreds in interest. I owe only interest still per contract. They know I can't work and they refuse to work with me. 

There are daily calls from hyper aggressive employees who apply high pressure tactics. 

The amount I borrowed is {$3000.00} and the amount I have paid back is about {$5000.00}. They said I still owe about {$2500.00}. I am having a hard time dealing with my current financial situation due to the virus and I have asked CnG to work with me. They simply will not hear it and have became increasingly aggressive with their collection tactics.
Consumer complaint received 2023-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
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: Experian Information Solutions Inc. (CA)

This complaint is being sent to you to seek help about blocking the items from getting reported in my credit reports. The same issue, having many errors and fraudulent information, was addressed in the 3 Credit Bureaus. There were letters sent out to your office, but up to this date, I did not receive any response. And recently, the same items were reported in my most updated credit report. See the list of items that I am trying to dispute : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX : {$250.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-02-21
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX DateOpened : XX/XX/XXXX Balance : {$11000.00}.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-02-21
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)

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 accounts 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 accounts : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2016 XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/2016
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2023-02-21
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$61.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.