davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. (MA)

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 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 2023-05-09
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. (CT)

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 2023-02-21
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. (PA)

Hi, my name is XXXX XXXX. I am sending this information to get the following accounts removed from my credit report. I am a victim of identity theft. I did not make these charges on these accounts. They are being reported inaccurately on my credit reports. It is stopping me from buying a home for my family. Please help me to remove these account immediately, I do not know what else to do. I have asked the credit Bureaus to remove the accounts and they have not helped.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (FL)

Incorrect reporting on my credit report Account name : XXXX XXXX When account was open : XX/XX/XXXX Account balance : {$7800.00} Account name : XXXX When account was open : XX/XX/XXXX Account balance : {$4000.00} Hard inquiries : Account name : XXXX XXXX XXXX date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX  Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account name : XXXX, XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Names Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Correct name should be reported : XXXX XXXX XXXXXXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission and I also have Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-11
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: TRUIST FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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.
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical-Commercial Audit Inc (IL)

XXXX had them call me to settle a dept at my request XXXX XXXX tricked and decived me and sent me a recept for total XXXX XXXX XXXX mca collections XXXX XXXX XXXX XXXX XXXX XXXX  using momeys for XXXX  for somingthing elce brakes federal law
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (MI)

they have tagged on 36 months worth of late charges due to their late fee structuring, and that's not even what I'm complaining about ENERBank have switched their payment portal 3 times since I've started with them. the only thing I'm trying to do is make my payments I don't want to get marked a negative report They have already put a bad remark on my credit before. when I try to call them for support I usually wait on the phone anywhere from 20 to 45 minutes before I talk to somebody that does not know anything about my case if i'm lucky. I have attached screenshots of ENER Banks payment portal failing to let me sign in... again... I have been on the phone with support and they said they were going to address the issue but they never did.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that XXXX corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Consumer complaint received 2023-05-09
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)

I have reached out to the bureaus in regards to this situation several times and they keep violating my consumer rights. this is my last attempt to resolve this issues in this manner. I will be reaching out to the secretary of state next in regards to their abuse of power and their failure to properly investigate inaccurate information. I am requesting that their response include : 1. I have a simple request. What procedures does your company have in place to investigate accounts?

2. I am requesting you send me a copy of your policy and procedures?

3. Are your procedures congruent with Title 15 Subchapter III in reference to credit reporting agencies?

4. What data are you basing your verification off?

5. Provide me with the names and business address of the persons with whom you contacted/verified these items, so that I may contact them myself.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2023 I opened a Truist XXXX checking account and Money Market Account at the XXXX XXXX XXXX Truist Bank located in XXXX XXXX, XXXX My husband and I received a promotional offer postcard which we brought with us to open the account. It stated that if you met all the qualifications we would be given a bonus of {$300.00}. If you had two direct deposits into the checking account per month and had a balance of {$10000.00} or more at the end of 90 days in your Money Market account Truist would evaluate the account and award you the monies due you. At the end of 120 days I began to question whether or not the deposit would be made. I tried several times at the branch without any success so out of frustration I called the XXXX # on the website. Again without any resolution so I emailed XXXX XXXX, the CEO of Truist and then received a call from an executive assistant stating that the time limit on this promotional offer was 30 days and that I did not meet that deadline. All the qualifications were met within 74 days which was well within the time limit of 90 days. I do not have the mailed card so I can not prove that it was 90 - 120 days but all the other advertisements still being promoted states 90 days to satisfy the qualification. I don't believe that Truist Bank is telling the honest truth and is trying to get out of paying the bonus as promised. I have attached two other offers along with a message from someone that had the same thing happen to her.
Consumer complaint received 2023-01-17
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. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that the above referenced account being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : Never Opened an account personally and never went to a branch. FALSE ACCOUNT AND FRAUD ; Inaccurate Information reported.If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records. Sincerely, XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MO)

Problems paying off Comenity Bank. I took out a loan with XXXX XXXX  XXXX XXXX to payoff debt with Credit Card with Ultamate Rewards/Comenity Bank . XXXX XXXX  XXXX XXXX sent a check to XXXX Bank in the amount of {$10000.00} with my account number check dated XX/XX/XXXX. I continued to receive notices that my account was past due and I called to speak to representatives on multiple occasions. By XX/XX/XXXX, I spoke to the " Dispute Department '' because the check had not been received ; they could not locate the check and would do an investigation. I contacted XXXX XXXX  XXXX XXXX to let them know. Due to the check being of such a large amount XXXX Bank XXXX XXXX decided to stop payment on check and issue a new check. A new check dated XX/XX/XXXX was issued and mailed the same by priority mail. Notice was received that the payment was received through XXXX Postal Service. I kept receiving calls and soon received statement that payment had not been received. Then that same week, I received the 1st check dated XX/XX/XXXX in the mail it was returned to me stating insufficient. I promptly called Comenity Bank, stating the payment posted on XX/XX/XXXX and was returned XX/XX/XXXX. Yes, the XX/XX/XXXX check payment was stopped because too much time had passed it was considered lost. It was now, XX/XX/XXXX and Comenity Bank returned the 1st check and the 2nd check for {$10000.00} was now lost. I have made multiple calls to dispute department with NO resolution. They have lost two large checks which could not be posted. Now, I have {$82.00} or more late fees on my account and interest fees accumulating. They have also reported the missed and late payments to the credit bureau ; my credit has taken a terrible hit due to their mistakes. Comenity Bank has over XXXX complaints that are of the same nature. What is happening to these checks mailed priority and why are they not posted immediately? Why was the 1st check dated XX/XX/XXXX posted on XX/XX/XXXX over a month late? It is XX/XX/XXXX, and the 2nd check dated XX/XX/XXXX mailed priority has not been found or posted. We keep going around and around with them asking me the same questions and to submit the same information. The checks in the amount of {$10000.00} is too much money for them to be losing. This is considered terrible practices and customers being mistreated as well as milked for additional fees.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX This letter is to inform you that the above referenced account being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : FALSE ACCOUNT AND FRAUD ; Inaccurate Information reported.If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records. Sincerely, XXXX XXXX
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, 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 XXXX XXXX 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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ND)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-08-16
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: CL Holdings LLC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$14000.00}
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

MIDLAND FUNDING has falsely and illegally placed collection on my three consumer credit reports. Not only did midland funding fail to contact me in 15 days of reporting which is a violation of the FDCPA THIS COLLECTION WAS CAUSED FROM IDENTITY THEFT. This company has violated my consumer right by failing to verify this debt, and adding it my three credit reports which has damaged my character and prevented me from seeking finical assistance during this pandemic.