davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
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. (OH)

Experian allowed inquiries to be placed on my report without my consent. After several disputes challenging the inquiries, the company stated that the inquiries were valid, but DID NOT provide an original document/application with my signature. The company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of Experian investigations, they stated in writing that the items were verified and are being reported correctly. The company did not state who verified the accounts. Experian DID NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it which is required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

There are numerous inquiries on my credit report that I do NOT authorize. I am a victim of identity theft through the XXXX XXXX XXXX Furthermore, unscrupulous characters recently stole my information to tried claim unemployment benefits under my name. I learned how to freeze my reports and since have frozen them. 
The following are the unauthorized inquiries that have hit my credit report that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MA)

I was mailed an advertisement from XXXX bank that was in my name saying : " Activate your new XXXX XXXX XXXX XXXX XXXX credit card and earn {$100.00} cash back when you spend {$2000.00} with your card before XX/XX/2023 '' After receiving this, I activated the XXXX card I received earlier in the mail. I spent the {$2000.00} with this card before XX/XX/2023. 

I called Comenity in XXXX, asking where the {$100.00} cash back was and I was told I needed to wait 90 days but that I already met the promotional terms. 

After waiting 90 days, I called XX/XX/XXXX and talked with XXXX. ( Customer rep # XXXX ) I was told that I met the promotional terms and that I would see the money in a few days. 

After waiting a couple of days, I called XX/XX/XXXX and spoke with Mikala ( Customer XXXX # XXXX ). At this point, I was told that I would not receive the {$100.00} because the advertisement was mailed to me in error. I asked why I was not told this in any of my previous phone calls and XXXX could not explain why. 

The rep then offered that a letter was sent XX/XX/XXXX informing customers that the offer was issued erroneously. I asked why I haven't received it or why the letter was sent out so much later than the original letter and XXXX could not explain why. I asked how they could send such a letter after XX/XX/XXXX ( the spending deadline ) and was not given an explanation. I asked for a copy of the letter and XXXX explained that should could not give me a copy. 

I have met the terms of the promotion ( of this there is no dispute ) The company simply does not want to pay me because they claim the offer that was mailed to me personally in error. I did not receive this letter and even if the claim is true that they did send the letter, the rep said the letter was mailed XX/XX/XXXX, at least XXXX months after the promo was sent out and past the date when the promotion ended! 

I have never made a complaint with the CFPB before and I've never had an incident where a bank refused to comply to its own terms written to me personally. I am simply asking for the {$100.00} promised in the promotion. If I did not receive this promotion, I would never have spent {$2000.00} on this card I have attached the promotion below that was mailed to me personally with my name and address.
Consumer complaint received 2024-03-14
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 am writing to follow up on my recent correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and subsequent removal of disputed negative items from my credit report. Unfortunately, despite my previous efforts, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved and deeply concerning.
Consumer complaint received 2023-09-29
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. (NC)

I am a victim of identity theft. I filed a police report and a FTC report and sent it to the credit reporting agencies. They are not processing my disputes correctly according to the FCRA and not attaching my paperwork to the disputes. And I am not getting copies of the verification process
Consumer complaint received 2023-08-24
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)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
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. (MI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to and confidentiality under 15 USC 1681 Account name : XXXX XXXX account # XXXX Account name : XXXX XXXX account name : XXXX Account name : XXXX  XXXX account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX. 
Has violated my rights 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-09
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 have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-03-14
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. (CA)

In accordance with fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told Experian, XXXX, and XXXX to investigate these accounts : XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX However , they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if they person knows or has reasonable cause to believe that the information in inaccurate
Consumer complaint received 2023-10-21
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 believe Im a VICTIM IDENTITY the person who stole my identity ACCUMULATE NUMEROUS FRAUDULENT CHARGES ON MULTIPLE DEBIT AND CREDIT ACCOUNTS OVER TIMESPAN WHILE BEING A LIVE IN GUEST AT THE FAMILYS HOME FROM MID XXXX XXXX Ive notified the police in reach out to the company in no action has Been taken
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OR)

I have a Gap credit card through Barclay, and I have been charged two interest fees every month for as far back as Barclay took over the account -- XXXX of 2022. I have only ever used the card for purchases and never cash advances. I contacted customer service but have not been able to resolve the issue.
Consumer complaint received 2024-03-14
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (IL)

On XX/XX/XXXX I received a collection letter in the mail for an unknown debt. I requested validation from them on XX/XX/XXXX. Another letter was sent from them on XX/XX/XXXX with a contract copy and a bill nothing with a signature. I sent another letter certified on XX/XX/XXXX asking for proof of license to collect here in Illinois as well as a contract with my signature along with the purchase agreement. On XXXX XXXX I received a letter stating dispute investigation valid!
Consumer complaint received 2023-11-13
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 recently obtained a copy of my credit report and reviewed it. It stated that the following inquiries ( mentioned below ) made a credit inquiry. These inquiries, however, were not authorized by me. As a result, I'm sending thisto contest the inquiries and have them deleted from my credit report. 

XXXXXXXX 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 2023-12-11
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. (GA)

I submitted a dispute regarding the Bankruptcy records that has been reported on my credit report. Equifax has came back stating that they have verified the information as accurate. As my previous dispute stated in a letter from the Bankruptcy Court stating that they do not provide information to credit reporting agencies. I need Equifax to either provide proof that they received such information from the Courts, which is noted the courts never provides such information.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Captial One is appearing under my credit score however I do not own this account. I did not open this account. I requested this account be closed or removed from my credit report. Issue remains unresolved. Capitol one customer support was contacted on XX/XX/2023 they found no records unable to find using my name date of birth nor social. This must be removed from my credit report.
Consumer complaint received 2023-10-21
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)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A sub section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/2023 I sold my handbag to XXXX XXXX XXXX XXXX. They sent the payment in the amount of {$3200.00} to my PayPal account. My PayPal email address is XXXX. Ive spoken to PayPal on XX/XX/2023 14 times. Ive sent copies of my identification cards and called my banks on three way. They advised me that my XXXX XXXX XXXX XXXX  is rejected their payment. I called XXXX XXXX  and they said no such thing. Then PayPal advised me that my XXXX XXXX XXXX  is rejecting the transfer. I called XXXX XXXX and they said they dont have a record of an attempt or a transfer from PayPal . PayPal keeps making excuses and error messages to hold my funds in the amount of {$3200.00}. Ive answered security questions correctly, identified information on my credit report, forwarded photo copies of my identification cards and did account verification via secure links.
Consumer complaint received 2023-10-21
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A sub section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-10-21
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)

My name is XXXX XXXX, and I have recently discovered that I have been a victim of identity theft. I am writing this personal statement on my own behalf. My information was utilized to apply and or obtain for financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my account : XXXX XXXX XXXX. I am a victim and did not make these changes nor authorize this account to be opened. According to the provisions of the Fair Credit Reporting Act I am entitled to a formal investigation and update of my report. I am requesting this account be removed and a free copy of my report with this change be provided to me.
Consumer complaint received 2023-12-11
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. (NC)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. Recently, I observed that there have been late payments reported on my credit card account. After reviewing my records and statement, I believe there might be an error or misunderstanding regarding this late payment. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 
XXXX XXXX XXXX XXXX -This account was NEVER late. The late payments are erroneous. This payment was made on time. I am requesting that the late payment marking be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. I value my relationship with XXXX XXXX XXXX and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.
Consumer complaint received 2023-10-21
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: Experian Information Solutions Inc. (PA)

I've sent letters to all 3 of the credit bureaus as well as the companies individually regarding inaccuracy reporting on my credit report of Inquiries I did not authorize and in accordance FCRA I'd like the inquires to be removed immediately. The list of inquires amongst the 3 bureaus as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/2020 funds were garnished out of my bank accounts totaling {$1500.00}. The bank also imposed a {$120.00} legal fee. The funds that were garnished were unemployment funds that I transferred from my checking into my savings account which I have attached. I have also attached supporting documents showing that I was receiving unemployment from XXXX. I also have supporting documents showing I filed an exemption with the clerk of courts. I also never received any prior correspondence from Citizens Bank, N.A., XXXX RBS Citizens, N.A XXXX prior to garnishment.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, I received an email from Chase Bank saying they received my application for a Chase Sapphire Credit card. I did NOT apply for this card. I did not click on any links, I simply deleted the email and contacted Chase to ensure the application was canceled.
Consumer complaint received 2023-07-14
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: Bread Financial Holdings, Inc. (MO)

On my consumer report, Comenity Capital/Smile Generation is listed as a charged off account. This is illegal and should not be on there at all. I did not receive a 1099-C form from them for this debt, as I should be able to claim this on my taxes as income. Income is not to be reported on a consumer report. So why are they reporting this inaccurate information? I disputed it with them AND the three major reporting agencies ( XXXX, XXXX, XXXX ) and they ALL failed to accurately verify, investigate AND report this alleged debt. Why are they still furnishing third party entities with my private and confidential information without my consent? They are purposely providing inaccurate information to third parties and as such should be exposed for their failure to uphold consumer rights as stipulated within the Fair Credit Reporting Act and Fair Debt Collection Practices Act. This alleged debt needs to be deleted from all of my consumer reports immediately.