davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

This credit card account was reported lost/stolen. However, upon reviewing a copy of my credit report, this is account is still negatively affecting my account as " Negative and late payments. '' ( See attachment below ). 
I have already reported this to the XXXX credit agencies to correct this, however, it has still not been removed. See letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX # XXXX XXXX 
Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.XXXX XXXX, XXXX XXXX ; Inquiry : XXXX XXXX Inquiry DateXX/XX/2022.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

1 ) Between the months of XXXX XXXX, I made an over payment to my XXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$950.00}. 
2 ) On XX/XX/XXXX I relocated from : XXXX XXXX XXXX, XXXX, VA XXXX and relocated to : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
3 ) In XX/XX/XXXX, I contacted Comenity Capital Bank in reference to receiving my new XXXX XXXX XXXX issued by Comenity Capital Bank and during this telephone conversation the Comenity Capital Bank Customer Service Representative told me that I had a credit of {$950.00} and placed a dispute on my behalf, in order for me to receive my credit of {$950.00}. 
4 ) In XX/XX/XXXX XXXX XXXX XXXX issued me a refund check in the amount of {$950.00}. 
Note : To date, I've not received a refund check nor have I cashed a refund check from XXXX XXXXXXXX XXXX in the amount of {$950.00}. 
5 ) On XX/XX/XXXX, XXXX  XXXX XXXX stopped all XXXX XXXX XXXX transactions. 
6 ) In XX/XX/XXXX, Comenity Capital Bank took over issuance and servicing of the existing XXXX XXXX XXXX from XXXX  XXXX XXXX. 
7 ) In XX/XX/XXXX, a Comenity Capital Bank Customer Service Supervisor instructed me to contact XXXX XXXXXXXX XXXX in reference to {$950.00} refeund check issued to me from XXXX XXXX XXXX. 
8 ) A XXXX  XXXX XXXX supervisor told me that XXXX  XXXX XXXX had no records of my XXXX XXXX XXXX XXXX and that everything XXXX  XXXX XXXX had involving the XXXX XXXX XXXX XXXX  program was provided to Comenity Capital Bank to include all the historical records and the issued refund check. 
9 ) The XXXX  XXXX XXXX supervisor also told me that Comenity Capital Bank could verify that the refund check was not cashed, perform a stop payment on the refund check and re-issue me a refund check and that it shouldn't take Comenity Capital Bank months to refund me my money.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I would like to report that several credit card transactions were attempted to purchase services on XX/XX/2023, these transactions were swiped utilizing a XXXX  method of payment on a phone on my Barclays Jet Blue Credit Card. The transaction amounts are : {$4400.00}, {$700.00}, and {$1900.00} used for vendor at XXXX. These attempted transactions are fraud and have never been requested by me.
Consumer complaint received 2024-04-14
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. (NY)

To Whom it May Concern, I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$1900.00} 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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions Sincerely, XXXX XXXX
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my XXXX XXXX and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 3 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
Consumer complaint received 2023-05-02
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. (NV)

On XX/XX/2023, i contacted XXXX XXXX to dispute identification records as well as public records like bankruptcy information. I called in XX/XX/2023, and they informed me that all information including bankruptcy records were deleted and my consumer file has been updated. I tried disputing the information with all XXXX buraus but they do not want to delete the information. On their websites it states that they get their information from XXXX XXXX.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX keeps trying to collect on an alleged debt, and continues to report debt on credit reports. The alleged debt in question is from XXXX XXXX XXXX. This alleged debt has been deemed unverifiable several times, including being found unverifiable by XXXX  which is the banks screening company. Unacceptable errors in accounting and reporting have been found as well as the original date of delinquency us in question. Too many discrepancies have been noted.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

I have been contacting Chase Bank since XXXX asking for assistance with my payments. My credit card debt is due to unemployment and no medical insurance in XXXX for a life or death heath problem. XXXX weeks prior I got separated and lost everything and was in a domestic XXXX shelter. When I started working again in XXXX, I was making less than 50 % of what I was previously making and although I had insurance I was still paying a lot out of pocket so finances were still tight. I have been working with a credit counseling company since XXXX of XXXX and they were not able to offer debt consolidation but suggested I get a loan and liquidate my assets. I now have a loan that I can not pay either and liquidated XXXX retirement plans. Because of this I had to pay an additional {$8000.00} to the XXXX in XXXX that I wasn't anticipating and that is why I am falling so behind. I contacted all of my creditors back in XXXX and they all put me on the XXXX 0 % interest payoff plan and closed the account. Chase is the only bank that will do nothing to help me. I have spent hours on the phone with their customer service reps, and in the past month or so includes XXXX : XXXX minutes, they denied my request and told me to call back in XXXX days, XX/XX/XXXX : XXXX hour and XXXX minutes until their rep got frustrated and hung up on me, then XXXX  days later on XX/XX/XXXX : XXXX minutes and they told me I had to wait XXXX days, so recently XXXX I called back and the call was XXXX hours and XXXX minutes. On XXXX I went into a Chase branch, I explained that I am not getting anywhere with the call center and they recommended coming into a branch. The woman called the customer service number and once she told them who she was they asked to speak with me. She left the room for XXXX minutes while they told me on the phone they can not help me and I have to wait another XXXX days to call back. They are asking me about every single dollar I spend, like how much I spend per month on dining out, and I can not even afford groceries. None of my other creditor interrogated me like his and then told me I don't qualify for a hardship plan. I spoke with their consumer credit company and they also were not able to offer a solution either. I am also working with my City/County offices and they can not assist, I do not qualify for any type of assistance for rent or food, nor do I qualify for bankruptcy. In the past XXXX  months I have paid {$8800.00} towards a balance of {$9900.00} but I still owe them over {$5000.00} because of the interest. Because they will not offer me a payment plan my account is now past due.
Consumer complaint received 2023-12-26
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: Experian Information Solutions Inc. (FL)

This company lied to me. I had paid for deletion I paid this they did not update my credit report. Please remove this from my credit file. Paid on XX/XX/XXXX.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

I checked on wheres my refund with the irs and my 2020 refund was disbursed but I believe the bank account was closed. I never received any funds with my XXXX CA STATE REFUND
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2023 TransUnion, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX GA. XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Charged off account and Collection account being reported on my credit MUST be removed. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Consumer complaint received 2024-04-13
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. (FL)

Victim of fraud. My Information has been sold to the dark web. XXXX reported Ever since someone has been trying to fraudulently using my identity I Have been trying to contact XXXX regarding fraudulent inquiries but no answer due to high call volume. These are the unauthorized Inquires on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-29
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: EQUIFAX, INC. (SC)

I have sent certified letters and notices to Equifax countless of times requesting that they remove these accounts from my credit reports due to the fraudulent accounts. I have filed police reports and identity theft reports as well as contacted all the creditors. 

Equifax is not obeying the law at all and are breaking the laws just because they feel like it. But I will be getting my attorney involved at this point. 

They told me to include the account numbers. I did that. They told me to file a police report. I did that. They also told me to write and call the creditors. I also did that. So, what does it really take?
Consumer complaint received 2024-04-13
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. (VA)

I called Equifax on XX/XX/XXXX because I was unable to access my credit report. When I logged into my myequifax account and clicked on credit report, I received an error message stating the following : " We are temporarily unable to complete this request. 
Please try again later. '' The agent that I spoke with that day said that the problem would be escalated and I should hear from someone within a few days. I never received a call or email regarding the case. 

I called again on XX/XX/XXXX to follow up because I still had not been contacted. The agent that I spoke with that day attempted to help me with gaining access. The agent had me log into the myequifax site and walked me through a few steps to try to resolve the issue. Once I followed the steps I received an email stating the following : " We have completed the review of your online account at www.myequifax.com and we are pleased to advise you that the login issue you experienced has been resolved. 

Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please feel free to contact our consumer care department at XXXX between 8:00am 12 am, 7 days per week. 

We sincerely apologize for any inconvenience this issue may have caused. 

Thank you for contacting Equifax, XXXX Equifax XXXX XXXX XXXX '' I informed the agent that after trying the troubleshooting method, I was still unable to access my credit report and I was still receiving the same error as before. The agent told me that the case would be escalated. I informed the agent that the case had already been escalated the month prior but I still had no resolution. The agent was unable to provide clarification and told me to call back in a few days. 

It is now almost 2 months later and I am still receiving the same error when trying to access my credit report.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

As of XX/XX/XXXX, This account was settled and paid off. It is still showing up as balanced due. XXXX  XXXX employee stated that they will report it paid off and removed from all three credit bureaus. This account was closed back in XXXX and was removed off my credit back in XXXX. It keep showing up on my report.
Consumer complaint received 2023-10-04
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)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

This is concerning Cash-App, I opened an account on XX/XX/XXXX, and then just like that on XX/XX/XXXX they stopped me from receiving funds into my account. I have submitted everything they requested ( ID, pictures, etc ). I have money sitting in the account that I can't accept money. So my account is basically frozen, and they are not giving me a reason or cause as to why. The account is still open and pending??? I don't understand what they are doing. And why they are dragging their feet. Again, I have given them everything they have asked for. This appears to be fraud to me because they are holding my money with no explanation to me whatsoever. 

XXXX XXXX