davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/XXXX I reported fraudulent charges on my BJ 's Mastercard account. I was told I could only go back 30 days even though it happened beyond that time. I was ok with that as long as I could recover some money back. I got a letter dated XX/XX/XXXX stating that the charges were going to be credited to my account in the amount of {$230.00}. 
I waited until my next month statement to check. Nothing there and I thought possibly that it was just a timing thing. I waited until XXXX, nothing again. I have called Bj 's at least 4 times since requesting an answer as to where my refund is. 

I have the letter, but no one else seems to see it. Can you please help?
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2022, I paid {$150.00} to XXXX through my debit card with SunTrust Bank ( now Truist ). The charge was for a yearly subscription box service, which should have resulted in XXXX boxes of products being shipped throughout the year. XXXX, XXXX XXXX, went into bankruptcy shortly after my payment was issued, and I did not receive my boxes. XXXX advised that I should request a chargeback from my bank for the amount of the subscription. I filed a claim with Truist ; however, they denied the claim without refunding my money. I also have not received a refund from XXXX, and their website continues to say that I have to go through my bank for a chargeback rather than receiving a refund directly from XXXX.
Consumer complaint received 2023-06-03
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. (MD)

I paid off and closed my personal line of credit with XXXX XXXXXXXX XXXX XXXX XXXX. But on my credit report it is showing there is a balance with XXXX, Equifax, and XXXX. I file a dispute with all credit reporting agencies but it wasn't resolved. I attached a copy of my receipt showing the balance was paid in full.
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In response to the credit reporting agencies ' claim that these accounts were thoroughly investigated and verified, I question the validity of such assertions given the numerous inaccuracies present on my credit report. 

As a consumer, I demand transparency regarding the meticulousness of your agency 's verification process. Under 15 U.S.C 1681i ( 7 ), I am entitled to know the precise steps taken to ensure the accuracy of these items. It is imperative that every effort is made to guarantee the integrity of my credit information, and I will not settle for anything less than complete accountability.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The company told me report with credit bureau Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

THIS WILL BE MY SECOND TIME TRYING TO CORRECT THE INACCURATE INFO ATTACHED PLEASE FIND THE LETTER FROM OUR COURT NOTIFYING ME THAT THIS IS INDEED INACCURATE
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (NV)

On XX/XX/ I filed a complainant through the portal after trying to resolve this on my own an they have yet to provide me with the info I ask to show proof I gave anyone of these companies or them written or verbal consent to share my alleged private trans actions and we are past the 30 time frame the law allows them to do reinventions. The first complaint number is XXXX to reference. Its 47 days later no response of proof of what I requested.
Consumer complaint received 2017-05-04
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. (GA)

I have sent  XXXX  certified letters to each reporting credit bureau agency Equifax,  XXXX , and  XXXX  on  XXXX  separate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record  information removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record  is making it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have this  Public Record  removed from all  XXXX  of the credit bureau reporting agencies.
Consumer complaint received 2023-02-10
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. (AL)

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.
Consumer complaint received 2023-09-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: A/R CONCEPTS, INC. (IL)

I work in XXXX, IL and got a few parking violations that I thought were inaccurate due to parking in our community which impacts me just trying to work in that community. Either way, I got a call from A/R Concepts ( a collection agency ) @ XXXX on XX/XX/2023 from a gentleman. He was very foul and threatening. He called me and everyone in my community names and entitled after I told him to go ahead and put this on my credit. I am in the process of attempting to settle with XXXX. This gentleman then started to use profanity and after I reacted, he continued the conversation turning it personal. He threatened to call my employer and even started to look me up as he stated " let me look at XXXX to see where you work so I can anonymously call them and tell them who you really are ''. I feel threated and my rights are violated. I want that call to be heard ASAP as he said this call was being monitored and recorded. He can not call my work or try to get me fired after I told him to simply put it on my credit. This behavior and his attempt to make me upset was unprofessional. He obviously made me very upset and now I am concerned what his intentions are.
Consumer complaint received 2022-12-29
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. (MD)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
Consumer complaint received 2023-04-06
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. (OH)

XXXX is illegally reporting inaccurate information about me. They are reporting that I have an account with XXXX XXXXXXXX XXXX that is open and with a past due balance of {$580.00}. This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC (MI)

on XX/XX/2023 prestige financial gained unauthorized access to my credit report causing a dent on my credit report affecting my credit score and being denied my credit usage due too these hard inquiries. This inquiry is a violation of 15USC1681n.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
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. (MO)

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/2021. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. This is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (NY)

I have disputed a XXXX XXXX account with the account # ending in XXXX via certified mail to XXXX and Equifax several times. Each time, both credit bureaus have claimed that the information was investigated and verified as accurate. However, I have attached copies of my most recent credit reports from XXXX and Equifax showing the same XXXX XXXX account with different payment history information on each bureau. This blatantly proves what I have said all along which is that XXXX and Equifax have not acted in good faith in the past in regard to this account and continue to report inaccurate information on my credit file which implicates several violations under the FCRA. 

In accordance with the Fair Credit Reporting act, XXXX and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have attached evidence to prove my claims.
Consumer complaint received 2023-05-31
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. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2020-01-31
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2020 XXXX with Ideninity Theft Dept USAA left a message saying USAA decided this was Not Ideninity Theft because in Ideninty Theft someone MUST OPEN AN ACCOUNT using your stolen data. I was Not aware I needed USAA PERMISSION OR CLEARANCE TO REPORT ID THEFT TO THE FTC. 

( ** USAA HAD 2 YEARS TO INVESTIGATE FRAUD AND FAILED** ) Upon research FTC explains Ideninity Theft Thieves can Steal from your ( ** EXSISTING ACCOUNTS ( placing charges you did not make ** ) Or ... open a new account Anytime your data has been used to place charges you did not make it is ID Theft Perhaps I have misunderstood the authorities if so Please Educate Me
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-20
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. (AL)

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 XXXXXXXX, 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 XXXXXXXX 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. 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. The following inquiries were also opened under my social security number fraudulently as well. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

There was was an over due balance in which i negotiated with there credit company and came in to a negotiation to have completely removed upon the the completion of the negotiatiated amount once i finished paying the agreed amount instead of removing from my credit report they put the closed account as a charge off.
Consumer complaint received 2023-01-23
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)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I don't think the credit bureaus are taking it seriously and just giving me the run around without following the laws.
Consumer complaint received 2021-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

There are late payments with XXXX that is reporting on my credit report, XX/XX/2020 and XXXX 2020. 

These payments were made late due to me contracting XXXX-XXXX  and being hospitalized and out of work for almost 2 months. 

I tried to dispute this information on Equifax site but the site has been down for hours. 

I am an XXXX and my position requires me to not have consecutive lates with a single creditor. I am also applying for a mortgage refinance and these lates will affect the rates I am given.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (MI)

I submitted this request for a reinvestigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update/correct the following accounts from my file. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX XXXX Balance : - {$0.00}
Consumer complaint received 2023-05-26
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. (CA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.