davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (UT)

In early XXXX of 2023, I made an attempt to use my Torrid store card, only to find that it was not functioning. Surprisingly, my card had a XXXX balance and had remained unused since XX/XX/2023. Seeking answers, I reached out to Comenity bank via phone, where I was informed that my card had been locked due to inactivity. To reinstate it, they required a credit check. However, when asked if I wanted to proceed with the credit check, I politely declined. The call ended without any further action. 

Feeling perplexed, on XX/XX/2023, I decided to contact Comenity bank once again, this time through their website 's mail service. I wanted to understand why my card was still not functioning despite having available funds. To my surprise, I received a message stating that they had conducted another credit check without my consent. They assured me that a letter regarding my account would be sent to me via mail. 

Today, on XX/XX/2023, I reached out to Comenity bank once more, seeking clarification. To my dismay, I was informed that indeed, Comenity had pulled my credit report without my consent. This unauthorized action is clearly fraudulent, and I am now reporting these transactions accordingly.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (MN)

I recently applied for XXXX XXXX XXXX, credit card accounts and XXXX XXXX continues to deny my credit card applications for credit due to poor performance on another account with creditor. All the previous credit card accounts, I had with XXXX XXXX, had fraudulent charges and transactions on the accounts, which XXXX XXXX didnt hold me responsible for the fraudulent charges. XXXX XXXX is denying me credit to get a Destiny Mastercard, Milestone Mastercard and Indigo credit card account due to the previous accounts having fraudulent transactions and charges on the accounts, which wasnt my charges or transactions. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I received a collection notice from SYSTEMS XXXX in regards to doing business with XXXX XXXX in the amount of $ {$210.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Consumer complaint received 2024-09-25
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. (OR)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days. 


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Consumer complaint received 2024-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc. (MI)

I had an interlock device in my vehicle for a XXXX I was having issues with the state of Michigan and the vehicle itself had broke down I was told by XXXX to just hold onto the equipment until I got things straightened out and without any notice I was sent to collections with aargon collection agency for the amount of XXXX $ I have tried to contact XXXX multiple times leaving messages and never getting a call back. I am only now trying to resolve this because I recently learned about the cfpb and I can attempt this myself and I'm trying to fix my credit. I also recently learned lifesafer had a class action law suit against them in XXXX for not disclosing certain information in the contract about costs of the equipment etc.. I also was paying extra each month for loss or damage to equipment. attaching what aargon collection agency finally sent me XX/XX/year> as their so called verification an unsigned contract from XXXX
Consumer complaint received 2024-09-22
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: American Credit Acceptance, LLC (OK)

Re : Reporting fraudulent Credit Inquiry I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX American credit acceptance 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
Consumer complaint received 2024-09-25
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. (MD)

I hope this message finds you well. I am writing to formally request the removal of negative accounts and hard inquiries from my credit report due to identity theft. 

I recently discovered that unauthorized accounts were opened in my name without my consent. This has severely impacted my credit score and financial standing. I have attached relevant documentation, including a police report and any supporting evidence, to verify my claims.Please delete the following accounts and inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a victim of identity theft, I kindly ask that you investigate this matter and remove any negative entries and hard inquiries that are not linked to my actual credit history. I believe this action is necessary to rectify my credit report and alleviate the consequences of this unfortunate situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I found a hard inquiry on my credit report for Transunion that i am not aware of. The inquiry shows up on my credit as : XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I would like to have this removed from my credit report because i do not know how or why its on there.Please contact them asap thank you
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am asking for your help regarding the incorrect account showing up on my credit report. This issue has adversely affected my reputation, and I need your intervention. The way my credit report has been managed has brought me to my lowest point, as this misleading information has devastated my reputation. It is crucial that you remove this false data from my credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance : {$8900.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$2600.00}
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (NV)

To Whom It May Concern, I am sending this to you today because I have pulled my most recent credit report and am extremely confused. It is very troubling as these items are reported as incorrect information. I would appreciate your assistance in solving these problems. I have done research at my end and as you and myself both aware, some laws guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported promptly. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the Federal Trade Commission. I must demand that you run a thorough investigation for every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities XXXX XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities XXXX - XX/XX/XXXX I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy. 

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. 

Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I have been on mortgage forbearance with XXXX XXXX  regarding my VA home loan as a result of my XXXX as a 100 % total and permanently XXXX Veteran. We have never come off forbearance. We have been attempting to avoid foreclosure and are waiting for the lender to get ready to implement the Veterans Affairs new purchase option which would put the missed payments on the back end of our loan and remain current, with no negative credit reporting. We have been contacting XXXX almost weekly checking in on this for over a year. 

XXXX recently reported our credit 180 days late stating we came off forbearance in XXXX and were just put back on in XX/XX/year>. This is inaccurate as we have been in forbearance as we requested to extend in XXXX, which was granted while we wait for them to implement the new VA program ( VASP ). We have never come off nor were notified we had come off. 

I requested this to be reversed, as per VA 's guidance, Veterans are not to be negatively reporting while waiting for lenders to get this program up and running. They denied my request and have not provided documentation when asked via phone or in writing to support our claims that we were extended in XXXX. Furthermore, I can not get an explanation as to why, if we were taking off forbearance, we never received notification. 

This is an immense hardship that has damaged our credit beyond repair as we already navigate a very difficult situation and has had immense effects on my already unstable mental health as a direct result of my military service.
Consumer complaint received 2024-09-26
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX : XXXX
Consumer complaint received 2024-08-17
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. (PA)

Several months ago i noticed that XXXX XXXX falsely entered account # XXXX on all three credit report. 

I have never contracted with or borrowed any money from this company. I requested that the provide me with any copy of a purchase agreement contract and a contract bearing my signature since i have never done any business with them. 

After months of waiting they failed to provide me with any of the requested information, instead they threatened to sue me. 

I further asked them to remove the item from all of my credit reports and they have ignored all of my request and continue to cause harm and financial damage to me. 

I am hereby requesting the help of the CFPB in resolving this matter as my disputes to all CRAs seems to be ignored. 

I am also submitting a copy of this complaint to the Federal Trade commission and the XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (AZ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : LEAD BANK Account Number : XXXX Charge Amount : {$0.00} Date Opened : XX/XX/year>XXXX  Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX  XXXX  that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

I have had a free membership with Experian for a few years now due to a credit breach. Whenever I logged in since XXXX, I noticed it was offering a service upgrade for {$0.00}. It seemed unusual. On the right side of the screen it would show a few additional services it appeared that i was eligible for. It showed I would owe {$0.00} if i elected to opt-in. After the second or third seeing that the amount was {$0.00}, I decided to opt-in since there was no cost. When I selected it, I didn't receive any new screen explaining that I'd be charged {$24.00} a month. I also didn't receive any message from Experian at the email address on my account verifying the upgrade and the billing information. My first alert was when I reviewed by XXXX bank statement. I immediately cancelled the upgrade at Experian. At the screen when it asked me why I was cancelling, one of the options said something like " i was unaware that i would have to pay for the new service. '' I selected that one. This was a deceptive practice by Experian, to rope consumers into a paid membership but not explaining the associated costs. 

I didn't take screenshots of the offers on the Experian website, but I do have a screenshot from my email account, showing how often Experian would email me. It's very strange that as often as Experian sends me emails, they would neglect to send one related to a paid subscription membership upgrade.
Consumer complaint received 2024-08-17
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. (FL)

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