davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (DC)

Comenity is purposely misleading and lying to the consumer about Terms of closing a account, the obligations, and create gaps to ensure that the consumer will have to pay more even after account is closed. It small amounts that they charge. But over the total consumer population size. It drastically most likely brings more money in. 

In XXXX. I paid the full amount to close the account out. Comenity said there was nothing left to do. 

XXXX I got an email from Comenity XXXX XXXX that I owed a late fee. Already this contradicts what they said to me in XXXX XXXX 

I called the rep after seeing this email. The rep said she was waving the fee and nothing further needed to be done. ( But when I called in XXXX there was not record of this ) Now in XXXX i get another email This time the amount has gone up. They also charged me interest fee. on top of this XXXX dollar fee plus late fee on top of this late fee. I mean when an account is closed it is closed. And they have lied on multiple steps. Researching on the web this has been a thing the XXXX XXXX has done to many other consumers. 

Also if you pay the amount due by the date and time, which they say they honor. It is nor processed. They will apply the orginal amount and top the interest amount of that. 

It is really seriously evil credit card tactics. And definitively need to be investigated. 

It is really petty theft that in turn is completely taking advantage of consumer
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MA)

On XXXX XXXX XXXX I noticed transactions on my chime checking account that I didn't authorize I immediately called chime to report it and opened a dispute within 24 hours the claim got denied I reopened it under a rebuttal the total being {$1600.00} that got denied I reopened the rebutle and that once again got denied. I feel at this time chime had now allowed multiple transactions including {$2000.00} at the end of XXXX XXXX to happen for a total of {$3600.00} which is unacceptable and I want my money back
Consumer complaint received 2017-09-30
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. (MD)

I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX. substantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to report a serious error in my Experian consumer report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under the United States Code, Title 15, Section 1681i. The error pertains to multiple accounts from XXXX incorrectly showing unpaid balances on my credit report. I am seeking your assistance in rectifying this issue promptly. 

Details of the Discrepancy : 1 ) Credit Reporting Agency : Experian 2 ) Incorrect Information : There are eight XXXX accounts currently reported as unpaid on my consumer report. However, these accounts have been legally discharged, and the balance is {$0.00}. The inaccurate reporting is in direct violation of the FCRA. 
Relevant US Code : Fair Credit Reporting Act, United States Code, Title 15, Section 1681i - Procedures for Correcting Mistakes on Credit Reports. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene and investigate this matter thoroughly. The inaccurate reporting by Experian has severe implications on my creditworthiness, potentially affecting my ability to secure loans, housing, or employment. According to the FCRA, I am entitled to a free copy of my credit report, which I have already obtained and reviewed, confirming these discrepancies.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM REACHING OUT TO REMOVE ALL LATE PAYMENTS FROM ALL OF MY XX/XX/XXXXL ACCOUNTS 2 CREDIT CARDS AND ONE LOAN.

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX 2019 ( COVID19 ) pandemic during the covered period.In accordance with the Fair Credit Reporting ActXX/XX/XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-25
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. (CA)

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.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

I made a payment on XX/XX/2023 that was due on XX/XX/XXXX. Right now my account shows passed due payment and requests doh or payment. I have called many times but their system is down and agents keep hanging up on me without any information. This is unacceptable.
Consumer complaint received 2023-10-25
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. (FL)

Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of accounts in my consumer report. It has come to my attention that these accounts were reported without my written consent, which I believe is a direct violation of my rights under 15 USC 1681b. This section of the law specifically protects consumer information and mandates obtaining proper consent before reporting it. 

I have already taken action by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number : XXXX. Despite my efforts, I have encountered difficulties in resolving this matter. I have made multiple requests to the creditor for removal of these items, only to receive unsolicited documents that I did not request. My complaint is directed towards your credit reporting agencies, as it is your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in a consumer 's file identified as stemming from alleged identity theft. Therefore, I kindly request that you adhere to this legal obligation and promptly remove the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX I expect these accounts to be removed within the time frame specified by law, which is no later than four business days after the date of your receipt of this letter. Your prompt attention to this matter is crucial in ensuring my consumer rights are upheld.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I have reached out to reporting agencies and discover to send me proof that they sent out billing statement 21 days before alleged payment was due and still have not receive the proof about this late payment. This is my second attempt to resolve this issue.
Consumer complaint received 2023-07-05
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. (TX)

On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXX XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

There has been fraudulent activity with my social security number. XXXX should be the first to recognize this. There are inquiries that have been disputed and they remain. They are clearly fraudulent and need to be removed. Please help me with this matter.
Consumer complaint received 2023-07-05
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. (CA)

XXXX XXXX XXXX has falsely reported debt, false dates and false statements/signatures since XXXX  on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXXXXXX XXXX twice to remove them and they did, only to have XXXX XXXX XXXX falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!
Consumer complaint received 2023-10-25
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. (FL)

In accordance with the Fair Credit 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
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I am writing to bring to your attention multiple inaccuracies and fraudulent activities on my credit report, which have severely impacted my financial well-being and livelihood. I have already contacted the credit bureaus involved but have not received satisfactory resolution. Therefore, I am seeking the intervention of the CFPB to ensure that these errors are corrected as per the Fair Credit Reporting Act ( FCRA ).

Fraudulent and Inaccurate Accounts : There are accounts listed on my credit report that I did not open or authorize. These accounts are fraudulent and need to be removed immediately. 

Late Payments : My credit report shows late payments that are incorrect. These inaccuracies are affecting my credit score and my ability to secure loans or other lines of credit. 

Incorrect Addresses : The report lists addresses where I have never resided. This incorrect information needs to be updated to reflect my actual residential history. 

Collections Account : There is an account listed as being in collections that I dispute. This account is illegally showing on my credit report and must be removed. 

These errors have had a tangible impact on my life. Specifically, I was unable to secure a performance bond for a project due to the inaccurate information on my credit report. This has resulted in a loss of {$30000.00} and has jeopardized my professional reputation.
Consumer complaint received 2023-10-25
Product: Credit reporting 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: EQUIFAX, INC. (NY)

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each XXXX XXXX XXXX now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Consumer complaint received 2017-05-10
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. (NV)

HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX   XXXX   XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     THANK YOU.
Consumer complaint received 2023-10-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

To Whom It May Concern, I am writing to dispute a fraudulent account reported on my credit report. This account is not recognized by me, and I believe my identity has been used without my consent or authorization.

Pursuant to 15 U.S. Code 1681c-2, you are required not to report any information on a consumers credit report that the consumer has notified you is a result of identity theft. As such, I demand the removal of this fraudulent account from my credit report within four ( 4 ) days of your receipt of this letter.

Furthermore, under 15 U.S. Code 1681s-2 subsection ( a ) ( 3 ), furnishers of information are obligated to notify consumer reporting agencies of disputes regarding the accuracy of information. I have previously contacted the furnisher, and they have confirmed that my personal information does not match their records, suggesting identity theft. They also indicated that they do not engage in providing dispute notices to credit reporting agencies. Therefore, your report violates subsection ( b ) of 15 U.S. Code 1681s-2, as a reasonable investigation of this matter has not been conducted.

I insist on receiving a comprehensive investigation report directly from the furnisher, complete with their letterhead, detailing their method of verification. This is to confirm that my claim of identity theft has been thoroughly examined and substantiated. 

I demand the immediate removal of this account from my credit file and that a new credit report be issued to me within 30 days of the removal to confirm the correction. Below is the item in dispute and my explanation : Disputed Item : FAIR COLLECTIONS AND OUT Explanation : This account was fraudulently opened in my name without my knowledge or consent. 

Failure to comply with these demands could result in legal action. Please take this matter with the seriousness it deserves. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not authorize to have my credit ran! 
I am not buying a car anytime soon! 

XXXX XXXXXXXX XXXX XXXXk XX/XX/2023 XXXX XXXX XXXX XXXX. XX/XX/2023 XXXX XXXX XX/XX/2023 Id appreciate it if these were removed
Consumer complaint received 2023-06-20
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-06-20
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. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-20
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.