davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
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: Bread Financial Holdings, Inc. (FL)

My identity was stolen in XX/XX/XXXX. The identity thief opened many credit cards in my name including a Victorias Secret credit card ( as well as an XXXX XXXX XXXX XXXX credit card ) through Comenity Bank. On XX/XX/XXXX I called Comenity Bank and reported the fraud as well as reporting it to all credit bureaus and the police. I put a fraud alert with each credit bureau. Comenity Bank told me they would start an investigation. Comenity Bank informed me on XX/XX/XXXX via letter that they found the Victorias Secret credit card account to be valid but the others were fraud. I called again and disputed the Victorias Secret credit card as fraud immediately on XX/XX/XXXX at XXXX with 'XX/XX/XXXX ' who said they would send it for re-investigation. Comenity Bank sent me a letter dated XX/XX/XXXX saying that they would not re-investigate a duplicate dispute. I disputed the Victorias Secret credit card account with each credit bureau on XX/XX/XXXX. XXXX  came back and said that Comenity Bank " verified that this account belongs to me ''. It does not. I called Comentiy Bank again and disputed again. I received a letter dated XX/XX/XXXX from Comenity Bank stating that they " have concluded you are not responsible for the account '' and that they would remove it from the credit bureaus. I thought it would be over at this point but the Victorias Secret Credit Card is still being reported as valid to XXXX. I called Comenity Bank again in XXXX of XXXX to report that the Victorias Secret credit card was still showing up on XXXX  and that I noticed that Comenity Bank had reported hard inquiry pulls from the identity thief applying for more fraudulent credit cards with them ( I had an active fraud alert at this time ) : XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX  ( Comenity Bank ) XX/XX/XXXX - XXXX  XXXX  ( Comenity Bank ) XX/XX/XXXX - Wayfair Credit Card ( Comenity Bank ) I called Comenity again and asked to have the Victorias Secret credit card and the hard inquiries removed from my credit report was told to " Just dispute it with the credit bureau you can dispute anything ''. The problem is when I dispute it with the credit bureaus Comenity Bank tells the credit bureaus that it's valid. In XX/XX/XXXX I disputed all of the above through XXXX  again, and the conclusion from Comenity Bank was " These Inquiries are a factual record of file access. '' which they are clearly not. I called Comenity Bank one more time in XXXX of XXXX and told them they are still reporting the Victorias Secret Credit Card to XXXX  and they sent me another letter dated XX/XX/XXXX that " I am not responsible for the account '' and they would move this account from my credit report. As of XX/XX/XXXX it is still there as well as the hard inquiries made by the identity thief.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I reached out to the company to have the report updated and no change was made I disputed it with Equifax to verify the balance and they reported the balance as verified. I have a letter from the company dated XX/XX/2022 that the account is paid in full. Equifax did not conduct a proper verification.
Consumer complaint received 2022-11-08
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)

I have frozen my credit with all 3 services. I am attempting to unfreeze my credit and had no issues with XXXX, but TransUnion refuses to do so. They said my record is messed up because they have a XXXX XXXX XXXX and an XXXX XXXX with the same social security number. The problem is entirely a data error within TransUnion. 

Contacted them several days ago and they say a supervisor has to call me back. Just called me back and refuse to temporarily unfreeze my credit. Said I have to send a cover letter and supporting documentation to get this resolved, but the problem is entirely on their end. 

In the mean time, I am unable to conduct business with a significantly discounted purchasing rate because of their mistake.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/ I discovered that I am victim of various financial fraud. All of my personal bank accounts were compromised. I contacted Chase back as soon as I could positively identify which transactions were fraudulently induced. They issued me a temporary credit on XX/XX/XXXX which was later removed from my account on XX/XX/XXXX. There were other bank transactions that was fraudulently induced as well that Chase bank decided not to return to me ( please see attached ).
Consumer complaint received 2022-11-08
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023, Transunion reported a data breach that was affected nationwide. It was reported with the Massachusetts Attorney General, when the company was subject to authorization. in a data Breach, Transunion reported that the Data Breach resulted in personal information such as names, addresses, drivers ' licenses being compromised ( the PII ), full social security numbers. This data breach affected more than XXXX XXXX Americans that are customers in the United States, and I am one of them. This data breach of my sensitive and personal information of all nine digits of my social security number with my name, birth date, address. is a violation of my statutory. and common law violations, under federal and state law, violations of the XXXX, CFPB, FDCPA the FCRA and Fair Business Practice Act. I was subject to a pervasive, substantial and imminent risk of my identity theft and fraud, now and for future to come. I have and will suffer mitigating injuries, this is a iron clad and concrete harm, there will be future third-party identity theft of my identity being sold overseas to hackers who will possibly make false accounts, drivers licenses, fake identities, frequently obtain identity 's, loans and destroy my life and could result in arrest from hacker from the TransUnion Data breach . Transunion failed to notify the consumer that a data breach, but lied an said it never happen but reported it to the Attorney General. This is a misrepresentation of their department policy, and violation of ( PII ) and failure to Safegard personal identifiable information. this provided valuable nefarious information to hackers. This is a violation of FCRA section 1681 - 1681x and a violation USC 1640. more importantly, me and my family was subject to XXXX disparities and discrimination because of my race. where TransUnion fail to notify the consumers because of the race. over XXXX XXXX Americans was affected. Allegedly did XXXX XXXX XXXX receive notice by mail or email.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp. (MO)

XX/XX/XXXX settled my account with XXXX and they updated my balance but refuse to fix my payment history and refuse to even put on my credit report were settled they did the same for the balance I settled on XX/XX/XXXX as well. Contacted true accord which told me XXXX was in charge with credit reporting and than I called XXXX  and they said XXXX was I disputed it multiple time and provided proof which they ignored.
Consumer complaint received 2023-11-06
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. (MD)

XXXX XXXX disputed inaccurate information on my behalf and submitted re-investigation results to XXXX, XXXX and Experian. The credit bureaus did not correct the information.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (NV)

I have transferred money into my Venmo account now four times and the money is being held for no reason. I have attempted to resolve via chat and to no avail. I have paid fees to have it " instantly transferred '' and Venmo is holding it.
Consumer complaint received 2024-01-11
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP. (MN)

I am behind on my mortgage and want to stay in my home. I was out of work due to medical reasons went back to work for a period of time. The enviroment had not changed and I decided for my own mental health to leave the company. I have called before to mortgage company in regards to this and when i have stated that i was waiting for payment from short term XXXX they did not believe me. I have had a hard time working with them before. I did apply for assistance from state and received for past due lot rent and that took up all the assistance i qualified for. I would also prefer they do not call park management
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (PA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (LA)

I recently reviewed my Consumer Report where I discovered that ( CB/VIC SCT ) date opened ( XXXX ) a loan installment account was notated as a ( CHARGE OFF/ COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.
Consumer complaint received 2023-07-09
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-11-06
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 you with great urgency and frustration regarding the presence of fraudulent items on my credit report. I have recently discovered these inaccuracies, and I insist on their swift removal to safeguard my financial integrity. 

The fraudulent items on my credit report are causing considerable damage to my financial life. They have unjustly lowered my credit score and have hampered my access to loans, credit cards, and other financial services. This situation is not only unfair but also jeopardizes my financial well-being. 

I demand the following actions to be taken promptly : A thorough and expeditious investigation of the fraudulent items in question. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the corrections made to my credit report. 
I expect this matter to be resolved without delay. It is my right as a consumer to have an accurate and just representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights. 

Enclosed with this letter, you will find evidence supporting my claim and facilitating the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove the following fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
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. (NY)

In accordance with the fair credit reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right the privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan any purpose
Consumer complaint received 2022-11-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have information reported on my credit file and Inquiries that I did not authorize. I had filed complaints to the TransUnion on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2023-05-21
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. (OK)

I filed this complaint ID XXXX with the cfpb and named XXXX and equifax in XXXX of 2023 XXXX  agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX saying they will remove it equifax said they validated the account which can't be true. I called XXXXXXXX  they agreed that they requested it no longer be reported. I will provide the letter from XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-08
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. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I do not want the lunatic employee " XXXX  '' of Capital One to handle this complaint because she is a stupid XXXX that she only looked at the XXXX transactions on XX/XX/year>. This complaint is a continuation of the complaint ID XXXX. The brainless employee " XXXX  '' responded back to complaint ID XXXX with her same ignorant response that XXXX refunded me back {$7.00} on XX/XX/year> and that was why Capital One did not refund me back the last seventh {$7.00}. However, she still never looked at the XXXX transaction of {$7.00} on XX/XX/year> because that was the one that I kept saying Capital One still has not refunded me back. I created the two complaints ID XXXX and XXXX. However, the blockhead " XXXX '' marked them as duplicated. So, in this new complaint, I once again request a different employee of Capital One, NOT THE TWIT " XXXX  '', to look at the XXXX transaction of {$7.00} on XX/XX/year> because that was the last seventh transaction that Capital One still has not refunded me that I kept mentioning. PLEASE SEE THE ATTACHED DOCUMENTS. WARNING : IF CAPITAL ONE 360 STILL WILL NOT REFUND ME BACK THAT LAST {$7.00}, I WILL TAKE LEGAL ACTION. I DO HAVE PROOF. PLEASE DO NOT EMBARRASS YOURSELVES IN COURT THAT CAPITAL ONE STOLE MY {$7.00} AND TRIED NOT TO RETURN WHEN I REPEATEDLY ASKED.
Consumer complaint received 2024-04-09
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 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 U.S.C. 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 2023-11-06
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)

This is my multiple 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX