davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXXXXXX XXXX : Account number XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-09
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 I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

I used this card once and paid it off. That payment was made on XX/XX/2023 in the amount of {$90.00} dollars ; however it was paid two days after the due date and I received a past due charge for XXXX and XXXX. I paid the past due amount and account was paid in full on XX/XX/2023 in the amount of {$100.00} dollars. I have since received two bills on the account. When I called to discuss the situation I got some double talk which made no sense to me and I continued to ask why I am being billed on a closed account. Since what the service rep was saying to me made no sense to me I hung up.
Consumer complaint received 2024-09-09
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
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)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX EXPERIAN Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' Experian : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. XXXX reports the account as derogatory, while Experian shows it as paid. Additionally, the reasons for closure vary, with XXXX reporting it as canceled by the credit grantor and Experian indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing. 

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/2019 On XX/XX/2019 I spoke with a representative from Victoria 's Secret regarding my account. I asked what the full balance on my account was and how much I needed to pay in order to pay it off in full. I was told {$220.00}. I paid {$220.00}. Then in XX/XX/XXXX I was checking all of my credit cards and discovered that a fee had been charged to this same credit card by Victoria 's Secret. I called and spoke with a Supervisor XXXX ID : XXXX and advised that I had already paid my account in full and I explained that in XX/XX/XXXX there was a problem with their website which would not allow my original payment to process therefore I made a duplicate payment over the phone with a representative and paid the account in full. XXXX stated that the payment that would not process online due to their website issue was what I was being charged for and that if I didn't pay by XXXX XXXX he would see to it that it was put on my credit. I asked for a different supervisor and for paper statements to be sent out showing this false charge. XXXX said " Print them yourself! '' and hung up on me. I now find that there is a total of {$54.00} owing on this account and this is the SECOND time that I have been extorted by Victoria 's Secret/Commenity Bank who serves as the extorter. I would like these charges reversed and my account to show a XXXX   balance as it should. I also want any derogatory information placed on my credit removed.
Consumer complaint received 2024-09-09
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)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' Experian : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. XXXX reports the account as derogatory, while Experian shows it as paid. Additionally, the reasons for closure vary, with XXXX reporting it as canceled by the credit grantor and Experian indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing.

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

I have serveral accounts with Comenity back. Comenity Bank has ruin my credit. they keep lowering my credit limit and closing accounts. They say they are lowering my limits because of my credit Score is lowing. They Closed my Ann Taylor account. I have never paid it late and my credit limit went from {$1300.00} to {$100.00}. then they closed my account with out letting my know. And they made my score credit lower again. I got so upset I almost did not pay any of my bills instead I just changed all the payment dates so now I can calm down. I believe it should ne against the law to do some thing like that. They lower my Victoria Secret limited and it looks like I am over the credit limit because the lower my limit from {$1000.00} to {$900.00} my balance was XXXX. No they have done this to my XXXX credit card never paid late {$1500.00} to {$300.00}. this is making my debt to ratio over 90 % and lower my credit score.
Consumer complaint received 2024-09-09
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. (CO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I looked at a copy of my credit report and noticed several inaccuracies.This account is hurting my ability to obtain credit. It is my understanding that Transunion will investigate my complaint and provide proof that what is being reported is accurate. Account : XXXX XXXX XXXX ACT # XXXX
Consumer complaint received 2024-09-09
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 I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX and XXXX XXXX Bankruptcy-discharged Reference # : XXXX
Consumer complaint received 2024-09-09
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. (IL)

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$550.00}. XXXX XXXX balance {$410.00}, XXXX XXXX XXXX balance {$850.00}, XXXX XXXX XXXX balance {$7300.00}, XXXX  XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX  XXXX {$680.00}, XXXX XXXX XXXX balance {$520.00}, XXXX XXXX balance {$200.00}, XXXXXXXX XXXX XXXX Balance {$1400.00}, please these inquiries XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-09-09
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)

I have sent in several dispute letters via certified mail, the bureau has failed to investigate the accounts in a timely matter and block them from the consumers credit report while the investigation is being completed. I am asking for assistance to expedite this matter and investigate them immediately. Thank you
Consumer complaint received 2022-11-26
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. (TX)

I have submitted a dispute letter to all three credit bureaus informed them that information that has been reported as on XX/XX/2022 from XXXX loans reporting fraudulent activity on my credit report. I advised them to investigate and delete this incorrect information being reported it is still showing on my credit report.. It is a company XXXX XXXXXXXX XXXX XXXX is still reporting and has a old account that is still showing should be deleted it keeps reappearing on my credit report it has been passed a 7 year mark, and it should be deleted off my credit report. 

I have also mailed identity that report and had it notarized along with the dispute to the credit bureaus certified mail I have also attached the postcards that I received that they did receive the information. 

Remove the fraudulent information 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 past 7yrs it outdate in should not be reporting.
Consumer complaint received 2024-09-09
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 I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy-dismissed Reference : XXXX
Consumer complaint received 2024-09-09
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)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$2200.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (OH)

This company has contacted me on a few occasions. I have no knowledge of this debt at all nor have I been sent any mail about this debt to give me a chance to dispute the charges within 30 days by law. Because contact has lapsed the 30 days, I am requesting that this creditor close my account due to improper validation and communication of this debt. If any further communication persists, I will be filing a harassment suit with the federal court for punitive damages. This complaint also serves as your cease and desist warning.
Consumer complaint received 2024-09-09
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)

Im submitting today to inform the credit Bureaus I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$3200.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX