davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On XXXX, XX/XX/year>, a criminal gained access to my Experian credit report and online account without my consent. The criminal then changed my contact information on the account ( phone, email, etc. ), which means that I am no longer able to access the account. The criminal also removed the security freeze on my account, which allowed the criminal to begin applying for credit under my name. In my educated opinion, Experian enabled this to happen. 

It is my opinion that Experian illegally allowed this criminal to access my account ( and thus my credit report ). I have multi-factor authentication enabled on my Experian account. This means that the criminal would have needed both my password and phone to access my account. However, I never received an authentication code on my phone, which means the criminal must not have entered my password correctly. In my educated opinion, I only see XXXX possible ways that the criminal could have accessed my account : XXXX ) the criminal was working from within Experian ( ex : an Experian employee ) ; XXXX ) the criminal coerced an Experian employee to reset my online account over the phone ; or XXXX ) the criminal exploited a flaw in Experian 's security controls. All three of these possibilities would be Experian 's fault, and Experian should be held responsible for my troubles. 

It has now been more than XXXX days since this incident occurred, and I still have not gained access to my Experian online account. I have been constantly calling Experian seeking help, but I just get passed through automated systems. I have not been able to speak to an Experian employee, even though the Experian website says they have people available between XXXX and XXXX. Every time I call, the automated system tells me to reset my password online, but I can not do this since the criminal was able to change my contact information. 

This is unacceptable. It has been more than XXXX days since a criminal illegally gained access to my credit report. In my educated opinion, it is Experian 's fault. As soon as I can get this resolved, I will be exploring options for legal recourse against Experian.
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Consumer complaint received 2024-09-09
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. (GA)

This has been really bothering me it's so frustrating, a credit inquiry on my report popping out of nowhere, I do not recognize this, I did not authorize nor consented to the company and to you having this inquiry placed on my credit, this is really stressing me out and making me anxious.
Consumer complaint received 2024-09-11
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. (GA)

XXXX XXXX XXXX This account with several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of data breach, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result the data breach and identity theft resulting fraud.
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: EQUIFAX, INC. (NV)

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 and XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute and request a correction to the data on my account with XXXX, account number XXXX. It has come to my attention that there are inaccuracies in the reported information related to late or past due charges on my account. 

I want to emphasize that my account has always been in good standing, and I have diligently made all my payments on time. Despite my consistent efforts to ensure timely payments, it appears that the data being reported does not accurately reflect the positive payment history associated with my account.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to inform you about fraudulent personal information linked to my identity. Unauthorized accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress and concern. I have become a victim of identity theft and have reported this incident. 

It is crucial that this matter is addressed promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your full cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. 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 urgent matter is sincerely appreciated.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (UT)

The issue : On XX/XX/year> I called commenity bank/Bread Cashback Card which is the bank/credit card I have. I requested that they direct deposit my {$1100.00} into one of my bank accounts. I have verified with them on four separate occasions that the banking information was correct but still after more than 4.5 months I have not received the money into my account and nor does it show up in my rewards balance on the credit card. 

My attempts to resolve : I have called in 13 times and have spent many hours on the phone talking to a supervisor nearly every time. They have tried raising two disputes through their system and each time they have cancelled it for reasons even unknown to the person speaking with me on the customer support line. They dont seem to know the issue but I have been told by them that this process shouldnt take any more than 3 weeks at the longest to receive a direct deposited into my account from the time I request it. I have been lied to multiple times where three different supervisors have said that they will call me on a specific day and they have not done so each time. Every time I call in I have to speak to a new person because they say there is no way to to reach out to the previous person but then when calling the supervisor they say they will send a message to the previous person. I have also been told that they are unable to make outbound calls when like mentioned they have promised to call me. No matter that I do, or how hard I try, nothing happens and no one is being accountable to me because I have to contact a new customer rep every time.
Consumer complaint received 2023-07-27
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. (PA)

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 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 2024-07-25
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. (GA)

I am writing to formally notify you that my landlord is not adhering to Georgia state law regarding tenant rights, specifically under the Georgia Code 44-7-13 and 44-7-14. According to these provisions, landlords are required to keep rental properties in a habitable condition and are prohibited from collecting rent for properties that are deemed unlivable. Despite giving my landlord ample time to address and rectify the issues making the property uninhabitable, no solution has been provided. Given these circumstances, I assert that I do not owe any payment for the rent. I kindly request your assistance in addressing this matter and ensuring my rights as a tenant are protected. For the company to do what is fair and equitable to me as a consumer by deleting the items identified.
Consumer complaint received 2024-09-11
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. (NY)

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 XXXX, but also shows a past due balance of {$140.00}. According to the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP (NJ)

SUBJECT : Complaint Against XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. Alleged Attorney for Plaintiff XXXX XXXX  is a licensed New Jersey attorney, Bar No. XXXX, who is currently employed with SELIP & STYLIANOU LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; and SELIP & STYLIANOU LLP, ( Selip & Stylianou ) f/k/a Cohen Slamowitz, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX Ny, United States, XXXX XXXX for Violations of Debt Collection Practices. 

Dear Sir/Madam, I am writing to file a formal complaint against SYNCHRONY BANK, XXXX XXXX XXXX XXXX XXXX, and SELIP & STYLIANOU LLP , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, for violating the Fair Debt Collection Practices Act ( FDCPA ) and state laws regarding debt collection in New Jersey. The law firm is pursuing court action against me violating its terms and conditions, which mandate arbitration in the event of a dispute.

SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP have disregarded the FDCPA by : 1. Violating its dispute resolution terms : Their terms and conditions clearly state that arbitration is the required method for resolving disputes. By pursuing court action instead, they are engaging in unfair and deceptive practices.

2. Unfair legal action : The firms approach constitutes harassment and abuse, as defined by the FDCPA since it contradicts their method of dispute resolution.

Additionally, the law firm has breached New Jersey state laws by : 1. Lack of Required Licensure or Registration : SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP have not provided proof of their required debt-collecting licensure or registration with New Jersey state regulatory bodies.

2. Non-compliance with State Regulations : The firm has failed to adhere to state-specific debt collection regulations that protect consumers from abusive practices. 

The firms actions also raise serious concerns about their compliance with court rules and procedures : 1. Abuse of the Legal System : By bypassing the arbitration process and pursuing court action, SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP are misusing the legal system and causing undue stress and financial burden. 
2. Lack of Fair Operation : Their actions demonstrate a disregard for fair legal procedures and consumer protection laws.

I have attached copies of all relevant documentation, including correspondence with SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP, their terms and conditions, and court documents. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX, Consumer as defined by the FDCPA
Consumer complaint received 2024-09-11
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. (GA)

XXXX XXXX XXXX This account with several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of data breach, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result the data breach and identity theft resulting fraud.