davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (WA)

I have been shopping at XXXX in XX/XX/year> and a cashier suggested to me at the cash register that a XXXX credit card would get me some discounts so she let me apply for one. Its in my credit usage habits to pay my bills no later than twenty days after purchases, so I opened a bill pay account and sent payment a week or so later. I was surprised to receive a call claiming that my bill was unpaid. I explained to the representative that I sent payment through my XXXX XXXX pay which showed then that payment had been sent. I tried to get the customer agent help me figure out what went wrong but all she was interested in was the payment. She said Our records show that you did not pay and you need to pay now to avoid fees. I complied and paid again. In XXXX, I made some purchases, the bill of which I paid through my XXXX XX/XX/year> but again I received a non-payment call again. This agent also was not in any mood to explain why my payment did not reach them. She just told me there was nothing that she could explain apart from the fact that it showed at her end no payment from me. 


I was so disappointed for, I pay all my bills through my XXXX XXXX XXXX XXXX  so what would be the cause of this? ThusI asked the agent to verify the payment address in my XXXX and it turned out that was not it, it was XXXX store address. I asked for the address and updated it. I paid every XXXX  I spent apart from the late fee charge which I feel I do not owe. Customer agents are there to help customers avoid things like this one. I told them I paid through my XXXX  and none of them tried to verify or at least know why this would happen. I was the one asked for verification and eventually found the cause. This charge, to me, is like an entrapment where the company tries to get you to make a mistake and charge you. 


In XXXX, they called me for the late fees that I thought had been waived because of the circumstances. As I told them that this credit card is being too much of a problem and that if that should continue this way, Ill close the account and, the agent said she can close it then it was closed. 


I do not know that they kept the bogus fees that they keep increasing until now. They also report this on my credit without contacting me prior to that. When I found out, I called and sent a dispute letter to them with all proof, but they did not fix it. I would like them to prove to me how I owe them. I have been on the phone with customer agents and they always say that the call is being recorded so they should prove it with a transcript of how I owe them since I thought we got over this.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have been fighting for a few months to get a child support account off my credit. It's already removed from XXXX but it is still showing on XXXX and experian. I have sent multiple letters to no avail. Child support should not be showing on my report. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. I have attached my previous dispute letters.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I hope this letter finds you well. I am writing to bring to your attention an error I have noticed on my credit report regarding my Wells Fargo credit card account. It shows a late payment reported for XX/XX/year>, which is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute information that I believe to be inaccurate. Therefore, I am requesting that you investigate this matter thoroughly. If your investigation finds that the late payment report is indeed inaccurate, please update my account status with the credit reporting agencies to reflect the correct information. 

I would appreciate it if you could confirm once the correction has been made and let me know what steps were taken to resolve this issue. The incorrect late payment is having a negative impact on my credit, and I am eager to have it corrected as soon as possible.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Federal laws mandate the inaccurate information and late payment reporting is excluded from Consumer Files. TransUnion and XXXX are in violation of FCRA 1666b ( a ) by furnishing late payments on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. These late payments are illegal and also inaccurate information due to Payment history shown of credited payments twice the months of XX/XX/XXXX & XX/XX/XXXX. Account was suspended, closed and new card issued due to theft of my backpack containing credit cards, phone and tablet on XX/XX/XXXX. XXXX XXXX Police Department item # XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 


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 2024-05-08
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)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-30
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
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. (NY)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-01-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-02
Product: Credit 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: BARCLAYS BANK DELAWARE (IL)

We had XXXX open disputes with Barclay 's credit card company. In both dispute cases, we did not receive custom made outfits that were not delivered to us. We still do not have the merchandise nor do we have a refund of our money from the merchant or the credit card company. Both of these transactions were made in XX/XX/XXXX, SUPPOSED to be delivered XX/XX/XXXX, but we still have nothing as of XX/XX/XXXX. We followed up with the credit card company multiple times. The first time, we were told the disputes were resolved in our favor and the refund would be posted to our account within a few business days. When we called again, they said that they denied both of our claims and we needed to take it up with the merchant but were not provided a reason. They just kept saying it is out of their hands. We then closed our accounts with Barclays due to the XXXX  of the company. They were unhelpful and had horrendous customer service that I would never trust anyone to bank with them again. Fast forward a week later we received ANOTHER letter in the mail with one of the same case IDs but a DIFFERENT merchant name and a different amount. This is now clear that Barclays is in the wrong. They clearly are not speaking to the right merchant nor do they care about trying to resolve disputes. They refused to give us our money back when it is their fault. We called again to see why we received this letter with incorrect information on it, and they again refused to transfer us to a supervisor or even help with our case.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (IN)

I have been trying to get my credit report corrected by XXXX XXXX and XXXX. I have disputed the same information for the past few years. Noone wants to fix or address it.

I've emailed them and Westlake Financial for posting incorrect information since my XXXX XXXX Westlake now shows my vehicle as a charge off and I had 30/60 day late payments. They were never late and paid as agreed. This needs to be fixed.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am distressed and disappointed by the situation in my credit report. It is not only highly embarrassing but evident that either you or the company is at fault for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. ''
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-01-29
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. (FL)

I am very disappointed that despite my persistent efforts to dispute and rectify these issues, it appears that the inaccuracies persist, particularly the account named XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX ), being removed and re-added multiple times, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I don't know what else you need from me to prove that this account has been charged under my name without credible proof of validation. I didn't even sign any contract agreement with this collection department. I have had no physical contact with them and was not aware of their presence until their names appeared on my credit report. 

I want to bring your attention to the following derogatory items : 1. XXXX XXXX - Account XXXX This account has been paid off, yet discrepancies exist in the reported dates of the Last Active and Last Payment. Inconsistencies like these raise questions about the accuracy of your reports. Life circumstances, such as a family member 's critical condition, can impact payments, and I urge you to consider the human aspect in these situations. Despite previous removals, the account keeps resurfacing. 

2. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX I have no knowledge of this account and have never entered into any contractual agreements with the collection department. Its multiple removals suggest a lack of validation and verification, yet it persists on my credit report. 

3. XXXX - Account # : XXXX This account displays discrepancies in reported dates and amounts, similar to other accounts. 

4. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX The " last active date '' is inaccurately reported, further highlighting the inconsistency in the information provided. 

5. XXXX - Account # : XXXX This has shown faulty reporting due to some mistakes in a two-payment history. They have reported it Charged off in XXXX and fully paid in XXXX, and still they continuously furnish such accounts despite its obvious error in their reports. 

The following collection accounts has failed to provide the following documents I need : 1. An Official Contract Agreement : I have not seen even one signature on the billing statement that they have provided. No sworn agreements and contracts were included ; they only provided me with a plain billing statement. How can that be considered valid proof if there is no signature on it? 

2. Proof of Licensing : Where are their furnished documents that demonstrate their status as a licensed debt collector with the legal rights to collect debts, both within and outside my state area? THERE's NONE! 

3. Transaction History and Payment Records : How can they substantiate that this billing statement is mine if the address written on it is incorrect?