davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (AR)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potentially erroneous collection account entry on my credit report, which I believe represents a case of double jeopardy. The account in question that has been recently added is : Account name : XXXX XXXX Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX Balance owed : {$460.00} The account is that was previously removed : Account name : XXXX XXXX  Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX  Balance owed : {$460.00} The details of this situation are as follows : - The original creditor and the balance listed for the current collection account are identical to those of a previously reported collection account. 
- This previous account had been removed from my credit report after being resolved or deemed incorrect. 
- Upon noticing the reappearance of this identical debt under a collection account. 
- I am concerned that this might be an error or a case of double jeopardy, where I am being penalized twice for the same debt. 
- The duplication of debt entries can have a significantly negative impact on my credit score and financial reputation, causing undue stress and potential financial harm. 
- I am unsure if this is an error on part of the credit reporting agency, the original creditor, or the collection agency. 
- In compliance with the Fair Credit Reporting Act, I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 
- Please consider this a formal complaint and I would appreciate your prompt attention to this matter. Guidance on how to proceed with rectifying this issue would also be greatly appreciated. 

Thank you for your assistance in resolving this potentially erroneous credit report entry. Your efforts to maintain the accuracy and fairness of consumer credit information are deeply valued. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (PA)

THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-04-04
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. (IL)

This account from XXXX XXXX XXXX in the amount of {$18000.00}, does not belong to me and currently is in LITIGATION. " I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact exists ''
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 2023-12-31
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)

XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 3 Account Number : Source of dispute information : XXXX XXXX XXXXXXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 4 Account Number : XXXX Source of dispute information : XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 5 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 6 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 7 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute 8 Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-04-04
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. (MA)

I sent a letter to the Credit Bureaus requesting to DELETE the disputed Account from my credit report as well as REMOVE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-04
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. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-22
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. (GA)

I applied for a loan from XXXX XXXX XXXX XXXX around the ending of XX/XX/XXXX, which I was denied. A XXXX XXXX XXXX XXXX loan officer stated I was denied due to fresh bankruptcies on my credit report. I stated I had not filed any bankruptcies in XXXX, I was advised they go by information from TransUnion through their credit dashboard. I checked my credit report on the dashboard system and there was three bankruptcy filings for XXXX on the same day, I noticed during the period of XXXX - XX/XX/XXXX each month the report had three new filings with a new date for each month. On XX/XX/XXXX, I

disputed online all the bankruptcy information on my report and the next day I saw dispute investigation completed and information was accurate and verified. Trans Union has engaged in deceptive acts and practices in violation of FCRA which has caused me economic and emotional harm. Trans Union has failed to meet the standard of accuracy on reporting that is required of CRA 's under the FCRA. Trans Union engaged in a pattern of reporting practices that failed to properly collect, collate, assess and report accurate bankruptcy information, causing inaccurate and/or misleading notations onto my credit report. To indicate that I filed three bankruptcy cases all on the same day and changed with each new month is beyond a huge failure. It goes against federal laws and statutes relating to court filing procedures which any competent person should know. Trans Union also failed to update its public record searches, resulting in its failure to include complete bankruptcy records. This impacted me by having my credit scores lowered, denials of loan and credit applications, and higher interest rates. I have disputed the bankruptcy information listed as inaccurate on my credit report for years but each time Trans Union came back stating information was verified. However, Trans Union has listed on my credit alert history that the
XXXX  Bankruptcy Court had notified them of filings, which is false information. Once I disputed the wrongful bankruptcy data in their reports, I was advised and le
d to believe that the information was reported by the Courts and I needed to contact them. Trans Unions failure to be fully transparent during the investigations and reinvestigations and correction phase of the dispute process has caused me great distress, anxiety, feelings of despair and hopelessness. Their inaccurate information has caused lending institutions, etc. to have a prejudicing perspective due to this adverse information, especially stating I have filed for three bankruptcy filings in one day and the dates changed with each new month. It's obvious Trans Union is not in Metro 2 compliance and disregards rules and regulations as it has XXXX XXXX as the furnishers. This false and inaccurate information from all bankruptcy information listed should have been removed.
Consumer complaint received 2024-04-04
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)

In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. 
a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS account number : XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ProCollect, Inc. (MD)

Procollect has continuously reported that I owe {$8400.00} to an apartment complex.on one credit report but on another report it states that I owe {$6100.00}. Section 623 ( a ) states reporting incorrect on ANY CRA MUST BE REMOVED.
Consumer complaint received 2023-11-03
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. (NC)

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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX acct # XXXX was opened up in XXXX and still appearing on my consumer report. It has been 9 years since first appeared. 

The first date of delinquency was also in XXXX. XXXX made 7 years since the first date of delinquency. All the consumer reports are hiding and not showing any activity in XXXX or XXXX because if they did, they would see that the first date of delinquency was XXXX instead of showing the first date of delinquency inaccurately reporting XX/XX/XXXX. 

I want this account removed from Consumer reports as I have requested for the past 2 years.
Consumer complaint received 2024-04-04
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. (PA)

To Whom It XXXX Concern, I would like to start by thanking you for taking your time out to read this. I am writing about deleting inaccurate information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charge. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ME)

I had a cr card for the XXXX XXXX XXXX catalog. I was assessed a late fee. Customer Service EXCUSED the {$37.00} late fee. No balance. Comenity Bank was acquired by Bread Financial. They started to bill the late fee plus interest, even after I closed the account. I sent 3 messages about this. They call me day and night3 times this week while on vacationasleep in our hotel. Texting. Its harassment. I do not owe the late fee plus interest : {$46.00} I suffer migraines at age XXXX. 
I need my sleep. 
Please make them stop. 
The fee was excused!!!
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Company has been notified numerous times this is not my debt. It is a capital one account from XXXX  that is not mine. The company was told in XXXX it was disputed and they had 30 days to provide a signed application showing ownership of the account. A statement does not provide required documentation under the fair credit reporting act, they legally had 30 days to send a signed application showing the account was mine and opened by the consumer. They have called me daily which I have continuously told them it is not mine and it was put in dispute. They reported it to my credit bureaus despite not being able to validate the debt and provide documents showing ownership. I called numerous times to request them to delete the information from my credit report until they can provide the signed application showing ownership which they refused to do. They were made aware that they may be violating the fair credit reporting act by reporting a debt that its not the consumers and they said they did not care. Legally this is to be removed immediately from the consumers credit file unless proof of ownership is provided which is a signed application. Again a statement does not prove ownership since the account is not mine, they are willingly breaking the law by not sending the requested documetnion or update to the bureau.
Consumer complaint received 2024-04-04
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. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I received two Vanilla GIFT Visa Debit cards as XXXX gifts- one for {$50.00}, another for {$20.00}. I have tried to use both cards in local stores ( XXXX on approximately XX/XX/year> ) and online ( XXXX on XX/XX/year> ). Neither card was accepted. By calling the number listed on the cards, I learned that both cards are active and have the original balance available. I have called the support number many times ; however, there is no option that directs me to report that the cards do not work. I can not get to a person. The automated phone system tells me to go to the above website balance.vanillagift.com and select " report a problem ''. No such option exists. I have gone through every page of the website and can find no way to report the problem. There is a page for tracking a problem, buy you must enter a case number. But if you can't report a problem, there is no case number issued. There is no contact information in which to report the problem other than the phone number I have already attempted. 
The card is serviced by InComm Financial Services. I called their number and was put into a voicemail, but have received no return calls. I am hoping CFPB can get me to a solution.

I have an issue with two cards. In step 4, you ask for card number. There is no option for listing more than one card number. Let me know how you would like me to include a second card number.