davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

After multiple attempts to solve this problem, I have decided to file a complaint with CFPB. There is a late payment reporting on the month of XX/XX/2021 for my account. During the time, you guys were notified that I had XXXX XXXX XXXX XXXX XXXX. This was during the huge spike in XXXX in XXXX cases and XXXX XXXX XXXX, as a result my employment was affected which is why the late happened. From what I understand, if I had fallen ill and was unable to pay there is a law that protects this from reporting as a late on my credit report. Please look into this as I have always been a good customer and paid my bills on time. If it would not have been for a situation out of my control, this would have never happened. This is now affecting my whole life as my credit score dropped XXXX points for something I have no control over. Please help me with this issue.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NV)

On  XXXX   XXXX ,  2017 , I signe d up ( o n-line ) to join the  XXXX   XXXX   XXXX   XXXX . I was expecting a bill and a membership card in the mail. Instead, I was signed up for a credit card with Comenity Bank. In  XXXX , I started getting collection calls from Comenity bank. They told me to contact  XXXX   XXXX , who told me to contact Comenity Bank and round and round about  XXXX  times.     Next, I asked the collection callers to open a dispute. They said the form would come in the mail. It did not. I asked them again and they emailed it to me. I kept them on the phone while I filled it out and mailed it. Now the dispute is closed and they ca n't seem to explain why, except they still want money from me and the collection is still on my credit report.     They have wasted hours and hours of my life. I have attached the initial emails from the club, welcoming me as a member and giving me a membership card. No mention of a credit card ... I 've also attached the first emailed notice from Comenity bank, just sent yesterday. All other contact from the bank has been by phone.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

I received XXXX prepaid giftcards from XXXX XXXX, with {$500.00} on each card. I have only been able to use the cards once. I can not check the gift card balance anymore on their website ( XXXX ) or via phone call. 

I have tried to use it in stores multiple times over the past XXXX  months. It has been declined every time, both in stores or via online. 

I have tried calling multiple times for customer service, and was not able to reach any available representatives. It just says that my card is invalid or card information is incorrect, despite it being the correct information.
Consumer complaint received 2021-01-09
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  - XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX  XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Biehl & Biehl, Inc (FL)

On XX/XX/2021 I tried to put an advertisement in a newspaper. Due several changes in the newspaper 's staff I had in contact with many people in there trying to close the deal in vain when finally on XX/XX/2021 I could made business with one of them for {$150.00}. The advertisement was paid and published according the contract terms but the newspaper generated two different invoices by two separate persons in two different dates, so now after almost XXXX years the case remains in a collection agency for an invoice of {$400.00} and is almost impossible to solve the problem with the newspaper due lack understanding. 
I have been receiving letters and phone calls from the collector but only tells me I have to try to solve the problem with the newspaper or pay the debt. 
I have the whole emails chain history because the newspaper and I always tried to communicate each other through that way.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize these inquiries on my personal credit. 
Some duplicates are from car dealers that I did not give them permission to check my credit. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2018-10-10
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: EQUIFAX, INC. (FL)

Hi I took a look at my credit report and I noticed a hole bunch of inquiries that I did not authorize I tried contacting the bureaus but they are giving me issues saying i need to contact each and every creditor me as a human being simply don't have enough time in my life to do so between work and family i would like for all the inquiries that i did not authorize to be removed from all three bureaus immediately thank you.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SD)

I disputed an adverse account on my credit report. I disputed with all  XXXX  credit agencies : Experian,  XXXX   XXXX , and  XXXX . I had a student loan with  XXXX   XXXX  which was opened in  XXXX  and the first reporting date was  XXXX  based on Experian 's updated report. It was delinquent. The account was purchased by another company and paid  XXXX   XXXX  in full in  XXXX . According to credit bureau information, delinquent accounts should be removed  XXXX  years after first reporting  (   XXXX   ).  Therefore,   XXXX   years would be   XXXX   XXXX  . Why is this negative account STILL on my report after  XXXX  years has passed? This negative information is causing me problems in getting a job.
Consumer complaint received 2023-01-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding damaged my credit by XXXX points reporting false information on 2 separate occasions. as of right now I have lost XXXX points because of this fraud. They started calling saying I owed them XXXX for a debt that is in Judgement and has been for years. The company LVNV Funding reported to XXXX that I missed a payment on a debt that is in Judgement. I filed a report to XXXX about this and they reversed it giving me my XXXX points back. LVNV Funding turned around and reported that I missed a paint on the same account that's in Judgement the next month. I attempted to fill another claim but it would let me so I'm still down XXXX pkints
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have called Experian several times regarding this matter, refusal to update my personal information. Experian is holding my file under special maintenance I am not sure what this means. Under the Fair credit Reporting Act, 1681b and 1681d should be able to obtain credit reports and update my personal information. I have been unable to do so because of Experian holding file under special maintenance.

I have made this request several times via calling Experian over the last two months. There should only be one name and address on my credit reports. I am unable to obtain my credit reports because of Experian. Other credit bureaus have updated my information. In XX/XX/2022, I was told that my credit is being held by Experian " special maintenance '' department. This is one of Experians Department. I have no idea what this meant. The representative stated someone would be in touch to fix and correct this issue. No one reached out to me. The Issue has not been resolved.

I was denied health insurance because unable to verify identity with Experian. I was referred by XXXXXXXX XXXX to reach out to Experian. The representative told me he can not help me and referred me to Experian directly. After being referred directly to Experian I was told by the Experian representative to go to experian.com/upload my verifying documents. Upon uploading documents online, upload documents online failed and the site stated needed to mail in documents because of their error. 

As a result of Experian not updating my personal information, unable to obtain identification. I have been denied health insurance, denied access to XXXX, XXXX, XXXX, unable to obtain a bank account, unable to secure a job, obtain a replacement social security card, unable to remove my information from credit brokers such as XXXX XXXX, and unable to obtain my credit reports. I have mailed in documents, no credit reports, and no updated personal information. 

Under the Fair Credit Reporting, I have the right to update my information, access to my credit reports of which I have been denied these things because of Experian.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (FL)

Hello, I successfully filed for chapter XXXX bankruptcy on XX/XX/2020. I did It is now XX/XX/XXXX and I am still receiving derogatory remarks on my credit report from credit companies stating that " You have one or more accounts showing missed payments or derogatory indicators. '' and " You have a serious delinquency or derogatory indicator. ''
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : COLLECTION/LATE PAYMENT RE : Partial Account Number : XXXX. 

To whom it may concern, I am aware that the FCRA allows for creditors and debt collectors to report to the Consumer Reporting Agencies however these reports have to be compliant and accurate at all times. My concern with the above mentioned account is this. It is reported on my consumer report that this alleged debt is in collections. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that NATIONAL CREDIT ADJUSTERS LLC will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, NATIONAL CREDIT ADJUSTERS LLC failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details. 

Again, according to the FCRA, all creditors and debt collectors MUST be compliant and accurate when reporting and I feel that NATIONAL CREDIT ADJUSTERS LLC failed in doing so. This account is inaccurate and NATIONAL CREDIT ADJUSTERS LLC had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, NATIONAL CREDIT ADJUSTERS LLC is in violation of certain codes equating to {$1000.00} per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, XXXX : XXXX XXXX XXXX XXXX XXXX, in propria persona, sui juris With Prejudice
Consumer complaint received 2023-01-07
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. (KY)

Since 2020 I was checking my credit report and start disputing hard inquires on my credit report. In 2020 i applied to work for XXXX XXXX, XXXX XXXX and later them send it to me a letter when they explain to me that they have a BREACH on their system and my personal information was compromised. I report this to the credit report bureaus without any result. Today i found that Letter and i request the DELECTION or REMOVAL of this inquires on my credit report because doesn't belong to me, this was a fraudulent transaction using my personal information
Consumer complaint received 2023-02-04
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. (LA)

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be XXXX  % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Consumer complaint received 2022-11-22
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please move this off my report thanks.
Consumer complaint received 2024-03-26
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. (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 2023-01-08
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. (NV)

XX/XX/2022 requested these unauthorized items be removed from my credit report but was informed the items werent on my report but the items still remain on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX