davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CO)

On XXXX XXXX there were XXXX hard inquiries on XXXX. 

I called XXXX. The XXXX hard inquiries were related to my victorias secret master card. Comenity bank vsmc XX/XX/2023 XX/XX/2023 XXXX XXXX shows no information on their end that would lead to hard inquiries or fraud behavior. No new accounts in my name. Nothing in other regions. No requests for increases. No changes in account that would lead to hard inquiries. The account is active. 

Called XXXX back to tell them this. They said there is no mistake for the process leading to hard inquiries. They asked who I spoke to. I said I spoke to both disputes and fraud from the number on the back of my card. They said the hard inquiries through comenity bank XXXX  was for this number : XXXX and to contact them I call back comenity bank to ask if that number is associated with them or anything related to my accounts. The said it was not associated with them in any way. 

After some back and forth between XXXX and XXXX, setting up fraud alert and security freeze I called the number ( number protected ) XXXX to see what this number is associated with. The call rings repeatedly then says, " call busy '', gives the busy tone and ends automatically. 

Because the number is not associated with comenity, is on the XXXX report, is able to pull hard inquiries but isn't an official business contact number this is fraud. I don't know if my identity is safe. My information is clearly accessible. And it's at a level that XXXX and my credit card company are also confused. Please look into this phone number and how this could happen. Also, if the hard inquiries are related to something we aren't seeing at this time. We obviously aren't seeing the whole picture but something is here.
Consumer complaint received 2024-03-15
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. (TX)

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

Requested resolution : I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-15
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I am writing to formally dispute the reporting of the charge-off status for the above-mentioned account on my credit report. I believe that the charge-off status as reported is inaccurate and not in compliance with applicable consumer protection laws. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is required that accurate and up-to-date information is reported on consumers ' credit reports. I understand the importance of maintaining accurate information, and I wish to ensure that my credit report reflects a true and accurate representation of my financial history. Furthermore, I would like to bring to your attention the Internal Revenue Service 's guidelines regarding charge-offs of debt. The IRS defines a charge-off as the creditor 's determination that the debt is uncollectible and is treating the debt as a loss or expense. This determination does not relieve me of my obligation to address the debt, but it does impact how the debt should be reported
Consumer complaint received 2023-11-24
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (GA)

I got scammed online by a company pretending to be XXXX XXXX XXXX XXXX, I didnt actually see that anything was purchased, but the funds came from my account... I've been trying to locate the fraudulent company, but I'm not finding anyways to contact them, everything is telling me to ask my bank for a refund.. my bank keeps telling to go to the merchant, when there is bo merchant.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (GA)

To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC (MD)

Glasser & Glasser out of XXXXXXXX, VA claims to have served me papers that I have not received. They sent them to the wrong address. Furthermore, it is impossible to reach them by phone to update my information and there is no response from them even though I have left messages and sent emails. I did receive an email response that requested I call but when you call the recording says there is high call volume and to leave a message. Endless loop.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/22 I went to the Wells Fargo branch in XXXX DE to close an account. There were two employees at the desk ( XXXX XXXX was the main employee ). They stated they could not close my account because they needed to stay at the teller desk despite the fact that I was the only customer in the branch. They recommended I come back another day or visit another branch. I'm not sure why they have a branch with two employees if they are unable to serve customers. VERY FRUSTRATING. 

I stated I would just write a check for all the funds instead of closing. The employees then stated that they'd " hate for me to be charged all those fees if I didn't have the minimum balance '' ... kind of seems like a threat.
Consumer complaint received 2023-11-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

STATEMENT DATED XX/XX/20 FOR XXXX XXXX FOT THE AMOUNT OF {$230.00}. IT FROM A CREDIT CARD FROM XXXX WHOLE SALE STORE WHICH I NEVER NEW I HAD. OR OWN.? I ALLWAYS USED ANOTHER CC FROM BY BANK. NOT THE STORE BRAND CC
Consumer complaint received 2024-03-15
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. (VA)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

.
Consumer complaint received 2023-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (AZ)

On XXXX XXXX, I got a notification from XXXX XXXX that my XXXX score has changed, when I double checked it through XXXXXXXX, it showed that Central Portfolio Control Inc has reported a medical bill to credit bureaus which has negatively affected my credit score immensely. I have not received any written notice, voicemail, or even an email regarding this bill. I was never given proof that this debt exists and I never had the opportunity to have this debt validated. I also never consented this company to have any information about me or my medical records. I have every right to be informed in writing and given ample time to look into this before such drastic action was taken against me. I have a very good credit history and this is the first derogatory mark in my record. This wouldn't have happened if Central Portfolio Control Inc has done their due diligence to inform me of this alleged debt.
Consumer complaint received 2023-07-17
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. (CA)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-15
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please remove ASAP.
Consumer complaint received 2017-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

My student loans were transferred from  XXXX  to Fed  Loan Servicing  o n  XX/X/16      aft er I submitted my paperwork for PSLF. I was told the qualifying payments would be transferred but as of yet, only  13 p ayments are showing  up ( I have made a total of 34 q ualifying payme nts ).  I spoke with someone on      X/X/16  an  d they assured me that they submit a request for this to be looked into, but that it may take weeks.     I have also had issues with the handling of my Income Based Repayment paperwork. I know that the paperwork is correct, because this same paperwork was received and processed almost immediately by    XXXX   ( w ho still holds my loans not under the PSLF program ). I have submitted supporting documentation ( which is not required by  XXXX , only FedLoan ) a total of 3 times now. Once by mail and twice by uploading the supporting document s (  XXXX  ).  As of yet, this has not been fixed, and I have received letters telling me that I did not meet qualifications ( when I clearly do, as evidenced by my student loans serviced by  XXXX  ). I have documentation showing my multiple submissions of paperwork.     I also had an issue o n      X/X/16  wh ere my account was placed on Forbearance without me requesting for such action. When I contacted the company, I was told that this is standard action for all accounts that have documents processing. When my account is in forbearance, I am not able to make qualifying student loan payments.
Consumer complaint received 2023-11-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Omni Financial Corp. (NC)

company called me 8 times within a 2 hour period on Tuesday XX/XX/XXXX with the first three calls being placed at XXXX XXXX and the last 2 being made at XXXX XXXX. on Wednesday XX/XX/XXXX, company called me 8 more times with the first call being made at XXXX XXXX  and the last being placed at XXXX XXXX. as of today ( XX/XX/XXXX ) I have recieved 3 more calls all occurring at XXXX XXXX. it is currently XXXX
Consumer complaint received 2023-07-17
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. (GA)

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 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (IL)

I transferred {$150.00} through the Discover Bank to them from my XXXX XXXX account to cover two outstanding amounts, an {$83.00} check to XXXX XXXX as they do not accept debit cards and a {$31.00} autopay to the IRS for my federal taxes. I was assured by the Discover rep that all was fine. This was done on XX/XX/2023 and I received confirmation from Discover that the money would be transferred by XX/XX/2023. I then received notice the transfer had been completed on XX/XX/2023 and then another email stating transfer was completed and money was in my Discover account days ago. Then today XX/XX/2023 I received a notice my account was overdrawn. I looked at my account and the money was showing deposited but they had returned the {$83.00} check!! Which means the business will now try to gouge me for $ XXXX {$50.00} in fees!! I called and spoke with two incompetent workers who did not do a thing but waste an hour of my day repeating what I said, then said they would transfer me to a supervisor, his name was XXXX and he was even worse! He made no attempts to just release the funds and pay the check but instead remarked sarcastically it can take up to 10 days for the funds to be available and since I have had several stop payments on the account I placed ( which were due to being cheated by others ), and a few payments returned over the last 15 mo due to having XXXX income while off work on unpaid medical leave from the State of IL XXXX after working XXXX hr weeks for the last six years and pandemic, it would probably take the full 10 days! I have already checked my XXXX XXXX account and the money has been taken so it is not there, it is at Discover and he acknowledged this, but they still are not giving me access to my funds and paying the check that came through!! I closed my two other accounts with Discover today due to this and will close this one too once these two payments clear. This so called manager is a joke!! He is incompetent and only seemed happy to close my accounts after 4 yrs!
Consumer complaint received 2023-07-17
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (SC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/ & XXXX XXXX Date of Inquiry XX/XX/