davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2022-07-13
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ( XXXX ) ; XXXX XXXX XX/XX/2022 ( Transunion ) ; XXXX XXXX  XXXX XX/XX/2022 ) has lead me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX doc reflecting all items that were found to be authorized by any such. Please remove ASAP.
Consumer complaint received 2022-05-16
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that these 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged to the following items listed below that are showing on my credit report. I therefore request that you immediately remove/ block these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 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 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 2022-04-20
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. (FL)

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 ( 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 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are 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 is being investigated by the FTC.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Knight Adjustment Bureau (ID)

Knight Adjustment Bureau discontinued an action to collect debt and removed debt in XXXX for XXXX XXXX That's been disputed for being from XXXX. Like I stated was removed then opened again in XXXX. 
I've reviewed my account to see the account was opened again in XXXX. The original date goes back to XXXX. I've disputed twice, and have received no letter.
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: EQUIFAX, INC. (MD)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 
there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-05-16
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MN)

I have a store credit card with both XXXX XXXX XXXX XXXX which is handed by Comenity Bank. They supposedly did a system update on their web site about a month or so ago XXXX 2022, which I was not able to even access my account during that time. I called the customer service number provided and all it is was a recording saying to to call back at a later time and then it would hang up. I tried several more times for days after, and always got the same recording and hang up. In the meantime, I got a email saying my automatic payment information is no longer valid and my banking information needs to be updated, so automatic payments can not be processed, even though none of my banking information has changed. I went to the web site for both cards and updated it, even though nothing had changed, and it still did not accept my payment. After over an hour of messing around on their web page, I was able to get my XXXX payment to go through. I went to both pages, re-signed up for automatic payments, and waited to see if my Women Within account would be paid on XX/XX/XXXX, and it was not. I tried to manually pay, and it said it went through, but there is no refection of that on my account. Last month, XX/XX/2022, I had to manually pay, which also took four days to achieve, and they charged me a late fee, even though it was an issue with their web site and I tried everything in my power to make my payment. It was due XX/XX/XXXX and I was not able to get the payment to work until XX/XX/XXXX. I have tried to contact them via their web site and all it is as an automated response. I called the phone number, several times again, and it now says I am " not the authorized account holder '' and will not allow me to even find out my balance online. I am not sure how they can determine if I am the authorized account holder when all I did was enter my account number. I did send a message to the Comenity Bank XXXX page, but have not had a response yet. The XXXX page is the only place they have had anyone from that company respond to the numerous complaints about their service on their posts. I do not want their incompetence and lack of customer service effect my credit score.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

My Chime Debit card has been used multiple times over the past few months. 3 times exactly and each time Ive disputed them they have not done the right investigations even though I sent in my proof and documentation on them my claims were denied and its totaling XXXX $ that they have denied so far. The most recent was a {$310.00} charge and I received an email from the support team less than XXXX hours later saying thei did their investigating and denied my claim again.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX and XX/XX/XXXX, I did transactions with merchant XXXX XXXX XXXX for getting event planning, for the amount of {$4500.00} on XX/XX/XXXX and {$6200.00} on XX/XX/XXXX, on XX/XX/XXXX I got contacted by the merchant and they told me that they are not able to make event planning because they don't have enough resources and they are gon na file bankruptcy and maximum that they can do is issue refund receipts which I can provide to my bank account provider to open a dispute and get my money back because they don't have enough funds in their checking account, I visited the next day them and got issued refund receipts, after several times trying got contacted with Bank Of America and where able to open disputes i send them receipts and told me that i will receive a temporary credits between 5 to 10 business days until claims will be resolved, i wait over 10 days and try to contact them back, i got respond that temporary credits will be issued between 24-48 hours after several days i tried to contact with them one more time, and i got respond that they will not issue temprory credits and they where not able to get respond from merchant yet and process will take up to 90 days by their policy because merchant where not respond them back to their mail request, and when i asked representative to send me copy of their policy she refused and told me she can't, and when i asked her id number she hang off phone on me! THAT'S HOW I AM PROTECTED WITH BANK OF AMERICA?
Consumer complaint received 2022-08-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only TransUnion and XXXX. This has caused undue stress in trying to remove this inaccurate information. This information appears from XXXX and keeps reappearing as a collection with a past due amount. 

In accordance with the fair credit reporting XXXX XXXX XXXX account # XXXX and account # XXXX has violated my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and not validated. 

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

I demand that these accounts be removed from my credit reporting file.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2022 I made an online purchase from the merchant XXXX XXXX and the website suggested I use XXXX as the method of payment. I had my XXXX account tied to my Capital One XXXX credit card. Nowhere on the XXXX website or XXXX 's receipt did it say the transaction would be considered a cash advance by the credit card company Capital One and therefore charged an immediate fee of {$56.00} and a day later an interest fee on the cash advance of {$7.00}. I called Capital One and they said that XXXX had coded it that way and that I needed to contact XXXX so I did. XXXX said they did not code anything as a cash advance and that the credit card should be charged as a normal payment. So I called back Capital One and they said the Merchant coded it as a cash advance so I called the merchant and they said they had no control over this. So after many more calls spanned over a few days Capital One strait out refused to take ownership of the charge. They said they couldn't specify why it was that way but there was no recourse for me except to contest the entire purchase from the merchant but that wasn't the problem. About 5 days after I had called my bank they reversed the {$56.00} fee without telling me but still kept the interest on there which they knew about from several previous calls I made to them on the same issue. I decided my only recourse was to pay everything off including the interest and close all my accounts with Capital One. Well I just looked to double check that all my accounts had been closed and they charged me another {$16.00} in interest on XX/XX/2022, I had paid off the entire account on XX/XX/XXXX. I am not paying this as I already told them this is a scam of sorts but they refuse to listen. I paid off everything on my account and somehow I am still being charged interest? Please help they will not listen or do anything for me they won't even close the account. This should be against the law. Thank you.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (CA)

I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. I started send in Dispute letters to the Credit Bureaus on XX/XX/2022 until XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, the Credit Bureaus seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that the Credit Bureaus investigate and verify the accuracy of the items I am disputing by providing me with documents which bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding then investigation and the documents I have been requesting, but after a time of waiting, the Credit Bureaus sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothin to correct my Credit File. Now, I am submitting this complaint to urge the Credit Bureaus to remove the disputed items with or without proper investigation since the time allotted for the Credit Bureaus to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-13
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. (UT)

In accordance with the Fair Credit Reporting in XXXX : XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX TRANSUNION : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions