davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank Childrens place is reporting a couple lates on my credit that need to be removed. I was unable to make a payment due to their system being down and not processing it. I called in once I noticed and the rep advised they would remove late fees and the lates from credit as this was not my fault.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Information is illegally reporting on my consumer report 15 USC 6801. Protection of non public information and the obligation to respect my privacy and confidentiality. And usc 1681b Permissable Purpose. Permission was not given to use this information. 1681a2 Exclusion, consumer reports exclude transaction history. Acts. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX . Inquiries where no credit was extended XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. No credit extended and no permission given. And no proof from the reporting agency that permission was given after several requests for proof.
Consumer complaint received 2024-01-22
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. (NJ)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
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. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XX/XX/2022
Consumer complaint received 2023-07-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (PA)

I have no agreement nor account with One main. I've previously requested validation of the debt they claim i owe, to which they have failed to perform. They continue to communicate with non-affiliated third parties that I owe a debt to them. I've never given them written or verbal permission to report and or communicate any information to anyone. I've previously sent a Cease & Desist communication on all mediums including to non-affiliated third parties that they continue to communicate with. They are adversely affecting my ability to care for my family due to these violations of my consumer rights.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

This credit card was through a company called Milestone. First off this company is the worse. I could only use this credit card online at XXXX. I could not use this credit card to pay monthly bills or get gas at a gas station. I was denied every time. Second off the customer service is terrible and I did not know this company was in the XXXX. This card was extremely high but I needed it at the time because I wanted to build my credit. I had a XXXX credit limit with XXXX deducted from that amount due to activation.I had to pay XXXX back for even getting this card which made the limit lower upon use. Third of all I ended up using the card because it was XXXX time so I just used it a XXXX considering everywhere else wouldnt accept it. My first XXXX payment was due XX/XX/2024 I paid that on XX/XX/2024 early. I received confirmation that it was paid. My balance didnt reflect that it was paid when I made another XXXX payment on XX/XX/2024 early again. This is where the problem came in. I noticed my first payment the balance didnt decrease but increased and a late fee was applied. Today is XX/XX/2024 and I reached out to see what the problem was. The representative couldnt explain to me why my balance was increasing instead of decreasing so he transferred me to a manager. The manager then proceeds to tell me the first XXXX payment didnt go through which I have proof it did and that the second one didnt go through either. The second payment true enough didnt come out my account but the first one did and was never returned but did I get credit on my current balance. I then say what do you mean it didnt go through!! He then said well the bank you are using we dont accept. I said what do you mean you dont accept this a is checking account that had my name on it and the funds are available to be paid. He then says well we dont accept this bank. I then said sir I have tried to make 2 payments early on my credit card and now you wan na say that the company Dont accept this bank. This is the only checking account I have which is through XXXX. I received my direct deposit in this account pay many bills from this account so what is this issue with this company. Not only is it impossible to pay them back but this card doesnt work for anything. Just scamming people like me with bad credit and making my credit worst because its impossible to pay off my balance. They have charged me with lates fees and Im so livid because I wasnt late I was early with my payment. Please stay away from this company This is a horrible company and it should be shut down or arrangements should be made for customers to be able to pay off the balance.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to provide a follow-up on my previous attempts to remove fraudulent items from my credit report. Despite my several efforts, these inaccuracies persist, and I am compelled to seek further assistance in rectifying this matter. 

I have submitted disputes, provided documentation, and engaged with the relevant creditors and credit reporting agencies to address this issue. However, to my dismay, the fraudulent items continue to negatively impact my creditworthiness and financial standing. 

This ongoing issue has caused significant distress and uncertainty. It is crucial that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : 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 2024-01-21
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. (CA)

Delete hard inquiries XXXX XXXX XXXX XXXX XXXX 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 2024-05-03
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: EQUIFAX, INC. (TX)

I am writing to provide an update on my ongoing efforts to correct the late open account listed on my credit report. Despite multiple attempts, this inaccuracy persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remain on my credit report, negatively impacting my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. 

With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$370.00}.
Consumer complaint received 2024-01-21
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. (TX)

To Whom it XXXX concern, I sent a letter on XX/XX/XXXX to the Attorney General of Texas represented by " XXXX XXXX XXXX '' on my credit report, opting out of them reporting to the credit bureaus. Per 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Per the Fair Credit Reporting Act as a federally protected consumer I am now opting out of any and all authorization, I the consumer my have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to 15 USC 6805. My rights have been violated, per 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), XXXX  consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I gave no such written instructions. This also violates my right under the Privacy Act of XXXX.
Consumer complaint received 2024-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (MD)

I've been paying my mortgage with Wells Fargo as the statements have been sent to me. I received a statement in XXXX XXXX XXXX for XXXX 's payment and I paid it early XXXX. I received a statement XX/XX/XXXX asking for XX/XX/XXXX payment which I sent before the end of XXXX and they received. I then got a statement on XX/XX/XXXX asking for XXXX 's payment but showing no payment made for XXXX and a late payment fee being accessed. 

My payment has been the same amount of what the statement asked for and ahead of the due date. I feel they credited the early payment to principal in order to create a late payment situation. I feel this needs to be investigated as I can't be the only one they have done this too.
Consumer complaint received 2024-01-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called last Thursday on the XXXX to cancel a payment when I realized funds would not arrive in my bank account for a payment on the XXXX. It's the XXXX and the payment was taken out including XXXX XXXX that was transferred into there for dog food and groceries to last until the rest of the week. That payment is pending and they wouldn't cancel it. I specifically called to cancel it days before and they verified that I wanted it cancelled and then told me it was cancelled. Now it's days later and they made it go through pending without the funds in there despite the cancellation. Plus it took the funds for food and dog food I had {$50.00} transfered into my account for the week. I called back and they won't do anything but apologize.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my reports. Here is the list of items which 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  EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (PA)

I have the care credit card through synchrony bank. They increased my spending limit. Then I receive an email stating that they decreased my limit. I talked to a representative on XX/XX/XXXX. He stated that XXXX sent my credit report to them and that is why decreased my spending limit. I said what is wrong with my credit. I've been paying all my creditors on time and I pay extra each month. The representative said it was for lack of real-estate. They told me they have no control over this that its XXXX decision to send them my credit information, and I need to contact them and ask what lack of real-estate means. The representative said they can do whatever they want. He said its in the disclosure. I said you dropped my credit score significantly by decreasing my limit. He said then cancel your card. That was his answer.
Consumer complaint received 2024-05-03
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: EQUIFAX, INC. (NY)

I am writing to dispute certain late payment accounts that are appearing on my credit report. Upon reviewing my credit report, I noticed discrepancies regarding the payment history associated with the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX According to my records, these accounts have been consistently paid on time, and there should be no history of late payments associated with them. I believe there has been an error in reporting, and I request that you investigate and rectify these inaccuracies promptly.

Enclosed with this letter are copies of relevant documents, including bank statements and payment receipts, that corroborate my claim of timely payments. I urge you to review this evidence carefully and update my credit report accordingly.

I understand the importance of maintaining accurate credit information, and these inaccuracies have the potential to adversely affect my creditworthiness. Therefore, I kindly request that you expedite the investigation process and inform me of the results in a timely manner.
Consumer complaint received 2024-01-20
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. (NC)

My purse was stolen in XXXX in a nightclub, it included my driver 's license and a copy of my social security card. Most recently I began to monitor my credit report. I contacted the credit reporting agencies and notified them that someone has been attempting to access my credit profile and applying for accounts in my name. I noticed accounts in XX/XX/XXXX from creditors XXXX, XXXX, and XXXX. I have no knowledge of the accounts or affiliation. I requested verification from XXXX, XXXX, and Transunion in XXXX .Furnishing these accounts to my profile due to identity theft is in violation of 15 USC 1681c-2. I have requested twice for these accounts to be removed. 

I also noticed credit inquiries that I have no knowledge of nor have I applied for any credit with these creditors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing this information to my account without my written consent is in violation of 15 USC 1681B To ensure my information is not compromised I previously requested that addresses that are not mine and where I never resided be removed from my credit report. I see addresses are still reporting that I have no knowledge of.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I consistently ensure that I pay on time, and I am sure of this. However, what I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to address the fraudulent personal information linked to my identity. I have discovered accounts and transactions that were falsely attributed to me without my knowledge or consent, causing significant distress and concern. I want to emphasize that I am a victim of identity theft and have taken immediate steps to report the incident. It is of utmost importance to rectify this situation promptly, as it has had a severe negative impact on both my financial well-being and personal reputation. I kindly request your full cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into the matter. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is highly appreciated.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been asking for the contracts between me and the companies and Credit agencies proven that this debt is mine and that I gave the credit agencies permission to report this information. They just say verified and send a statement at this point I don't think that they are even reading what I been asking for and its now been several months and they still haven't displayed the documents. I even sent letters to the companies that alleged this debt and they have not responded with any information with some saying they don't even have this account. They are ruining my rep and are violating my rights. I have been turnt away from severl loans because of them which damaged my business and is putting a major strain with my lady and I. I filed id theft with the FTC and I will put it in document file also.
Consumer complaint received 2024-05-03
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: EQUIFAX, INC. (TX)

XXXX hard inquiry appeared on my Equifax credit report that I have no knowledge of. One from XXXX XXXX on XX/XX/2022 and the other from XXXX on XX/XX/2022.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (UT)

I left with family from XXXX to XXXX on an Emergency XX/XX/2018 regarding my mother who soon passed XX/XX/2018 I had returned. in that time I thought I left my wallet and phone in my vehicle but it was not there, I called keybank XX/XX/2018 to put my card on hold for suspicious transactions and told me to call again XX/XX/2018 which I did twice now keybank says I have to fill out a police report but no burglary was committed to my vehicle and bring a form of i.d . which got stolen. I don't know what else to do.
Consumer complaint received 2023-09-03
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. (DE)

I have a few fraudulent accounts appearing on my credit report. 
XXXX. I C System XXXX {$470.00} XXXX. XXXX XXXX XXXX {$28000.00} XXXX. XXXX Na {$7800.00} XXXX. XXXX Na {$10000.00} XXXX. SST/Medallion {$17000.00}