davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Why the XXXX is it taking you weeks to remove the fraud alert/freeze you have on my account?! 

REMOVE THE FRAUD FREEZE/ALERT FROM MY CREDIT FILE. Why am I constantly repeating the same thing in these reports for over a month, over a year, over 3 years? REMOVE THE FRAUD ALERT FROM MY ACCOUNT YOU ARE EFFECTING MY CREDIT IN REAL LIFE WHEN MY SCORE IS OVER XXXX. 

I AM TIRED OF SUBMITTING THE SAME XXXX REPORT EVERY WEEK I AM DISGUSTED YOU HAD THE AUDACITY TO KICK ME OUT OF MY ACCOUNT AFTER BEING REPORTED TO CFPB. I HAVE ONLY HAD A FREE ACCOUNT & WILL NOT BE PAYING FOR AN UPGRADE I DID NOT ASK FOR & WASNT NOTIFIED OF. ITS GIVING THEFT, you still have to do your XXXX job SUBSCRIPTION or not ; and I am documenting this for a class action lawsuit.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/XXXX, XXXX 's sent me an email in acknowledging they have received my billing error dispute for the amount of XXXX. XXXX 's is indicating that I have a past due amount when the amount in question is in dispute. From my knowledge, when an account is in dispute they are not to report my account late for any reason. The creditor shall not take any adverse action against the obligor for disputing his or her account. The online account is showing that account in question is past due.
Consumer complaint received 2022-12-22
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. (IN)

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. XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXXXXXX 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. 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 2024-03-07
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX and so on.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (WA)

Received email from a purported " Harris & Harris , Ltd '' indicating a debt was owed by a medical company, for a XXXX XXXX XXXX XXXX No additional information regarding the initiating service that debt was owed, or any indication prior communication was sent regarding money owed. When attempting to call and or email to dispute, no response nor indication was given in receipt or to confirm this request is legitimate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Started with company promising to report credit line to all XXXX bureaus. There's no history and limit is incorrect. Additionally, its reported correctly to XXXX bureau, incorrectly to XXXX, and not reported at all to Experian.Have asked through numerous emails and various disputes this be rectified to either no reply or " we ; re aware of the issue ''. Five months later, no resolution and company doesn't reply to emails
Consumer complaint received 2024-03-07
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (FL)

I filed a ftc report to credit report agencies and creditor and received no results and this has caused me much distressed having fraudulent accounts being reported to my credit report. I reported these fraud cases on XXXX XXXX
Consumer complaint received 2023-04-19
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: Debt Recovery Solutions, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. 
Please see items listed below : Debt Recovery Solutions , LLC Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MO)

I was told by discover that because they did not receive personnel information even though I showed them I sent them the information on there XXXX there was XXXX balance and now the credit report agency is holding it against me because I was told by discover because I was in the hospital and they did not receive they can not do nothing but hold this against me I think this is unfair when the card had a XXXX balance and I tried to explain it its discriminating an individual
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Requesting the method of Verification : As you know, I sent you a letter last month regarding the issues with the accuracy of my consumer report. I am requesting the method of verification you used to prove that these transactions on my investigative consumer report are indeed mine and who you interviewed and spoke to about them. Notice, it is a fact, that I am aware, in accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the Contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. I have yet to receive any proof from the person that is reporting on my consumer report. Failure of doing this can be a cause of identity theft because anyone could be using my social security number and selling my information without my consent. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance are a violation of 15 usc 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 Chapter 41 and pursuing litigation. I am well aware of 15 usc 1681s ( Section 623 ) that Data furnishers are indeed required to notify the consumer of any negative reporting that will be furnished but I can assure you that has not happened at all. These Data furnishers need to prove to me that they have followed procedures of federal law and need to delete these accounts from my consumer report. The following accounts need to be reinvestigated once again as I do not believe you conducted a real investigation. Anything inaccurate, incomplete, and unverifiable must be removed.
Consumer complaint received 2023-01-24
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. (FL)

I filed a ftc report to credit report agencies and creditor and received no results and this has caused me much distressed having fraudulent accounts being reported to my credit report. I reported these fraud cases on XXXX XXXX
Consumer complaint received 2023-02-06
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. (AR)

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 items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX and XXXX XXXX have reported balances on my report that were unauthorized by me. I never received d XXXX form requesting to use my information in any other way than to obtain the credit line I already secured through our contractual agreement. Therefore, I will need my balance reported to always reflect {$0.00} owed, as well as on time payments for the remainder of our business relationship.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There was a hard credit inquiry from XXXX XXXXXXXX XXXX on my credit on XX/XX/XXXX and I called the bank to report the issue and also sent over mails to them to dispute the inquiry but nothing was done about it. 

XX/XX/XXXX same hard credit inquiry happened but this time from XXXX XXXX and I called also and also sent in letters to dispute it and explain to them my account was compromised but nothing was done about it. 

On XX/XX/XXXX. A hard credit inquiry from Capital was made on my credit and I have called and sent in several letters but nothing has been done about it. 

XX/XX/XXXX. A hard credit inquiry was made on my profile by XXXX XXXX which I was not aware of and I have sent in dispute letters but it has not been taken off my credit. 

On XX/XX/XXXX a hard inquiry was made on my credit by XXXX XXXX XXXX which I did not approve nor was I aware off. I have written to them also and nothing has been done yet.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX I have conducted the payment in the amount of XXXX XXXX USD from my account with XXXX XXXX account of XXXX XXXX ( XXXX ) XXXX opened with XXXX XXXX XXXX BANK XXXX XXXX ) XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. After this XXXX XXXX XXXX XXXX  ( XXXX ) XXXX reported to JPMorgan Chase bank XXXX. that XXXX XXXX XXXX XXXX  ( XXXX ) XXXX made a return in case of private policy. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX made the reverse payment through XXXX  XXXX XXXX, New York. 
On XXXX XXXX, 2022 XXXX XXXX XXXX under the XXXX XXXX XXXX. Considering this, my payment must be blocked by intermediary bank according to XXXX sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank or XXXX  XXXX XXXX, New York have not still blocked the payment or have not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX XXXX not locate the records of the blocked payment. On XXXX, XXXX, XXXX, XXXX, XXXX we tried to contact JP Morgan Chase Bank and XXXX  XXXX XXXX, New York via XXXX from XXXX Bank XXXX XXXX to clarify if the payment was blocked and reported to XXXX and XXXX. Still, JP Morgan Chase Bank and XXXX  XXXX XXXX, New York have not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am in the process of helping my son get in to college by co-signing for his student loans but when I checked my credit I saw I had a collection with ( collection company name ). I never had an account with ( collection company name ) and wonder why its reporting on my consumer report. I am asking for verification and validation of this alleged account. I am asking for this information because my identity was compromised due to the XXXX breach of information. So I am very cautious of whats going on my consumer report. This account is putting stress on me and my family. And need to be resolved. I never received letters to dispute or notice of right on this matter at all according to 15 usc 1692g.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (MN)

I bought a sectional at Lowes for {$690.00}. I was supposed to get the higher of 20 % off my first purchase or a max of {$100.00}. Lowes charged me the wrong amount and I tried resolving with Synchrony and Lowes and neither would resolve the situation.
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (TX)

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 XXXX USC 1681.

The letters are stated with items and issues.

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 2018-04-12
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 (NJ)

I have Barclays XXXX Visa card. I was late on one payment. They without warning cancelled and closed my account. They then informed my interest rate would be 21.24 %. They informed me the only way I would qualify for a lower payment is if I had a hardship and failed to make payments. I explained to them I had a significant hardship, but I am now current on my payments. They stated the account would have to be in collection in order to get a lower interest rate. I explained to them that made no sense that because I am current on my payments now they can not restore my credit or lower my rate. The representative even agreed the system made no sense, but she was bound by the banks rules and they can not make exceptions for one particular person.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, 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. (AZ)

I am writing to dispute certain inquiries listed on my credit reports. My name is XXXX XXXX XXXX, and my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX AZ XXXX As a consumer, I am requesting the removal of these unauthorized and erroneous inquiries from my credit files, in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable Federal Trade Commission ( FTC ) laws. 

Upon reviewing my credit reports obtained from XXXX, XXXX, and Experian, I have discovered multiple inquiries that are negatively affecting my creditworthiness. It is essential that these inquiries are thoroughly investigated and removed, ensuring compliance with the Metro 2 guidelines for accurate credit reporting. 

The following unauthorized inquiries are to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I kindly request a thorough investigation into the legitimacy and accuracy of these inquiries. If they are found to be unauthorized or inaccurate, I request their immediate removal from my credit reports, as mandated by the FCRA. 

Furthermore, I kindly ask for written confirmation of the removal of the disputed inquiries from my credit reports. It is crucial to update my credit reports accordingly and ensure future compliance with the Metro 2 guidelines to prevent any future inaccuracies. 

As per the FCRA, I request copies of the updated credit reports reflecting the removal of the disputed inquiries to be sent to the address provided above. 

Please consider this inquiry dispute letter as an official and time-sensitive request for investigation and resolution. Failure to comply with the FCRA and the FTC guidelines may result in further actions to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the improvement of my credit reports. 

Sincerely, XXXX XXXX XXXX