davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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: Fidelity National Information Services, Inc. (FNIS) (LA)

These non account INQUIRIES are unknown and unauthorized. IN violation of FCRA Consumer Laws. CHEXSYSTEMS has no permissible purpose to furnish this private information. Nor can someone's credit be pulled without a FIRM OFFER of CREDIT. As Congress STATES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-28
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. (TX)

To Whom It May Concern, I am in total disagreement with the investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following account is not mine XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In XXXX of XXXX I paid off a charge card for XXXX, XXXXXXXX XXXX. I ask that the card be cancelled. I was told that it was canceled. I received a bill from them in XX/XX/XXXX that I owed them for finance charges. I notified them both by telephone and XXXX that this account was closed and I should have no further obligations to them. In XXXX of XXXX I was informed on my credit report ( Trans Union ) that the account was derogatory, and or in collections. I started a dispute. Several of them up to present day. I discovered this account was sold to XXXX XXXX. I contacted them, they performed an investigation and found me in good standing. I was sent a letter from XXXX XXXX stating they could find no wrong doing on my part. I forwarded this letter several times attached to my dispute to Trans Union. I also made several attempts to contact XXXX XXXX. They told me over a year ago it wasnt their responsibility to remove this off my credit report. It was XXXX responsibility since they took over for collections. 
XXXX told me it was XXXX responsibility because they initiated the report. 
Now XXXX unable to reach XXXXXXXX XXXX and neither has Trans Union. 
I need your assistance to resolve this matter. Ive done nothing wrong. I feel that Im being taken advantage of by the Creditor, XXXX XXXX XXXX XXXX 
I paid this card off and it was stated in the investigation by XXXX XXXX. 
I have the right to have this removed immediately from my credit report.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TN)

I opened and online checking account on XX/XX/2022 with Wells Fargo. 
I've have a XXXX  account where my direct deposit from my job with USPS goes to, so I connected the XXXX  account to the Wells Fargo account using plaid. 
It went through and I made a transfer. 
I also had my XXXX drop shipping account attached to my Wells Fargo account. 
Wells Fargo kept taking {$9.00} from the account every month for " handling fees ''. 
I soon got a notification that my account was going to be closed. 
I also had my Wells Fargo account connected to my Uphold XXXX account which I set up to receive my earnings from XXXX. 
Wells Fargo ended up closing my account stating that their was ID theft when I had not reported such. 
They told me only that I could reopen the account and didn't give me details on why it was closed. 
I spoke to a representative at the time before it closed to stop it from being closed and she said that she knew why but couldn't disclose to me why it was being closed.
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

I had a credit card with XXXX XXXX 's through Comenity Bank that I paid in full by the due date in XXXX. The following month I received a bill ( fee ) for {$2.00}. I called Comenity Bank regarding this fee, and they advised me that it was accrued interest. My wife had a credit card with The Childrens Place through Comenity Bank that was paid in full by the due date. The following month she received a bill ( fee ) for {$2.00}, again accrued interest. They are the only bank that that I am aware of that charges this fee after the balance is paid in full. Is this s legal charge? If not, how many customers are they charging this fee to illegally.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

In XX/XX/2022, My account was closed and I Was given no explanation as to why. I used that as a personal account in order to pay my bills and to cover my living expenses. When I tried to apply and make a new checking account they said I cant. I have {$120.00} balance with Wells Fargo and am looking to pay it In order to get my account back up and running.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (TX)

Checkr background services is reporting a misdemeanor offense that was disposed with the courts over 7 years ago. My 7 year clock isnt starting with the offense date or date of sentence. Im starting the clock @ the day everything was done, completed, finished etc.. its been over 8 years Ive been denied job do you this issue that occurred about 9 years ago
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am hereby filing a formal complaint against Experian and XXXX XXXX XXXX XXXX An account was placed on my Experian credit report by a company called XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no idea who XXXX XXXX is ; I have never dealt with or had any business relationship with XXXX XXXX ; and I have never opened any loan or any other account with XXXX XXXX. XXXX XXXX  erroneously placed an unsecured loan account on my Experian credit report in the amount of {$3100.00} and indicates that I have a monthly payment of {$5.00}, but no money has been removed from any of my accounts. I have contacted Experian on multiple occasions by phone that I wish for them to remove this erroneous XXXX XXXX  account from my credit report, and they have not done so. I have contacted XXXX XXXX XXXX XXXX by phone and they do NOT return phone calls. Furthermore, I have had a credit freeze in effect for many years, so I do not know how Experian could have allowed XXXX XXXX XXXX XXXX to place this account on my credit report. I am not the victim of identity theft as no money has been taken from any of my accounts. I simply wish for Experian to remove this erroneous XXXX XXXX XXXX XXXX account from my credit report, because as stated previously, I never had anything to do with or had any relationship with XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (MD)

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 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 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC. (IN)

As of XX/XX/XXXX I owed XXXX cents to the state of Indiana .. on XX/XX/XXXX th XXXX XXXX of XXXX XXXX XXXX placed a hold on my Checking account for XXXX  plus I was charged XXXX they also garnished my check on XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  I reached out to them multiple times either they are too busy and it tells you to leave a message which i did two weeks ago never received a call back so basically they have attempted to take XXXX Dollars plus for XXXX dollars I also contacted the state of Indiana as well and was hung up on by a rep which I am contacting the states attorney office next
Consumer complaint received 2023-08-03
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (NM)

I was making 3 times the minimum payment amount and called 3 times last year in XX/XX/ and found out they had increased my interest rate with no notifications 4 times in 1 year causing the minimum payment to also be the amount for only interest each month
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (MD)

This is my second-time requesting 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 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-17
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. (SC)

My account with XXXX XXXX collection agency has been re age. The date of last activity show XXXX being XX/XX/XXXX and Experian show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.
Consumer complaint received 2023-05-28
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.
Consumer complaint received 2018-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service (NV)

On XX/XX/XXXX I received an advertisement from an attorney 's office notifying me that a lawsuit had been filed against me. I checked the justice court case search and confirmed that Clark County Collection Services was indeed suing me. I met with the attorney who sent the advertisement and he supplied me with the information for the prosecuting attorney, XXXX XXXX with XXXX XXXX XXXX. I called the office, and informed the lady who answered the phone that I had no knowledge of this debt, and that I had every intention of disputing the debt. I also informed them I was never notified of the debt or my rights to dispute whatsoever. The lady told me that the debt was now over {$1800.00} and that it would take longer to get the information to prove the debt than it would take for the lawsuit to proceed. The lady also told me that they don't have anything with a signature as this is a medical debt. I drafted an official dispute letter, but before I could send it on XX/XX/XXXX my roommate 's daughter was served the paperwork for the lawsuit. After reviewing the papers I found out the supposed visit was on XX/XX/XXXX, that it was only the Doctor 's staffing agency, not the hospital that the debt had originated from, the debt amount is just above {$1200.00}, and they are stating that I violated a written contract, but they stated they have nothing with a signature. At no point was any contact made to me regarding this debt by any party. It was stated when I called the lawyer 's office that the number I gave at the ER was not valid, that number was my number for 5 months after the supposed ER visit, and yet I was never reached out to in order to collect. I have also never moved so I am unaware of a reason why I was not mailed any notices. I want to make sure it is abundantly clear that no party, not the creditor, not the collection agency has ever initiated contact with me in regards to the debt, and I called the XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-03-12
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)

There are a few inquiries that I did not apply for from XXXX, XXXX XXXX XXXX and XXXX I did not apply for a personal loan nor these credit cards
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (AZ)

On XX/XX/XXXX I told Discover credit to stop calling and harassing me. Since then I have been getting even more calls I can document from XX/XX/XXXX through present date I have XXXX calls from Discover. Sometimes even two and three times a day. I recently got custody of my granddaughters, live on social security and they just don't listen and continue to call. I have the calls documented up through XX/XX/XXXX. The calls prior are no longer available. There should be a penalty for so many calls and they have violated many debt collector laws.This company is Discover it XXXX card ending in XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Consumer complaint received 2024-06-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MT)

I own a XXXX XXXX Credit Card through Comenity Bank. On XXXX I paid the total balance due of {$190.00} on or before the due date. This was to pay off the total amount due on the card. There was additional interest and fees that Comenity Bank tacked on, and I was unaware of at this point. I did work with the company to make an additional payment of payment of {$11.00} on XXXX. I didn't think that I owed that but may have made a mistake. After the payment on XXXX they have tacked on {$150.00} ( as of XXXX ) in late fees and interest with a {$0.00} balance owed on the card. Comenity Bank refuses to work with me by removing these late fees and interest on no purchases. I had asked to cancel my credit card with them, and they have not cancelled it, and I am not going to pay for junk fees they keep tacking on. Comenity Bank has decided to retaliate on my XXXX XXXX XXXX by reducing my spending limit from {$1400.00} to {$100.00} as of XXXX. Both of my store cards with Comenity Bank I have paid on time. Please help in resolving this issue so I can be done with Comenity bank once and for all.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (IL)

Flagship credit acceptance performed a hard credit inquiry without my authorization on XX/XX/2021. I tried calling the phone number provided by the alert I received number was invalid. I filed a dispute for the hard inquiry thru XXXX also put a freeze on my account.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
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: Experian Information Solutions Inc. (CA)

This is my 5th 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 data I am questioning connects 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-28
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. (AL)

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I I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS S TATED 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 ATTACHED LETTERS.
Consumer complaint received 2023-02-24
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: Early Warning Services, LLC (AL)

I have provided all the information necessary to place a security freeze on my account. They state I did not supply information necessary to confirm my identity. I provided a copy of DL and utility bill.
Consumer complaint received 2023-01-28
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.