davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CB/VICSCRT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB/VICSCRT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB/VICSCRT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. XXXX 2. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Claim numbers XXXX, XXXX, XXXX and XXXX. The bank was suppose to have closed and replace the card on a recorded like weeks ago, never did, and has not refunded me for the fraud they were aware of, made me aware, yet allowed to happen since they did not cancel the card they confirmed would be canceled, between XXXX they owe me
Consumer complaint received 2023-02-07
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. (NJ)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 2023-02-07
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. (MI)

I have XXXX fraudulent accounts that do not belong to me and I wish to have them removed. 

XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$290.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$1000.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$210.00} + COLLECTION XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$210.00} I have many fraudulent addresses that I want removed, they are listed below. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2024-03-26
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. (IL)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Several of the mentioned accounts exhibit inaccuracies in their reporting.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

1. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022. A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account. 

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX services loans are now consolidated into one and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and credit bureaus.
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: BARCLAYS BANK DELAWARE (NH)

On  X/X/17    i received a notice from credit karma that my score had dropped  XXXX  points from information provided by  Barclay  bank. Considering that i had  XXXX  accounts in excellent standing which  XXXX  forced me to close because they had suddenly slashed my credit lines to make it look like i was maxxing out my cards which i was not, the way they have reported has caused massive damage to my scores. After i paid the balance in full on all accounts and closed them they then posted interested charges so it shows accounts closed and with balances.It also appears that they have not reported the accounts closed by my request, They are also reporting balances to  XXXX  that do not exist. I have repeatedly return calls from their office of the president to no avail. I have attached screen clips from information appearing on my report from credit karma as well as information clipped right off of the  Barclay card website showing the contradictions. The excessive inquiries by Barclays h as also been clipped and submitted in a prior complaint. I have also contacted the House Banking  Committee  to report ho w Barclays has treated me and they requested complaints on record with CFPB. It is very disturbing that Barclays would launch an ass ault on my credit where i was an excellent customer with them.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (IN)

I was trying to get a loan and the scammers got my bank account information and ended up scamming my bank account and put my account way in the negative due they were running checks remotely online and I have spoke to the bank and they refused to help me and then they took my social security check to pay the account and I am still crazy in the negative, I did start a new account at a different bank due to all of this and the chase refuses to do anything
Consumer complaint received 2017-05-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

On  XXXX / XXXX / 2016  I had a  XXXX   XXXX  " very good '' rating and was eligible for a pre-approved loan in the amount of {$5000.00} with  XXXX   XXXX   XXXX  through the  3rd  party websit e (   XXXX   ). While I understand that a Pre-approval does not guarantee approval of the loan, I applied for the loan d ue to my confidence of believing that I would be approved. As expected, I immediately received an email directly fro  m One Main Financial stating that I was indeed approved for the loan and that a loan specialist would contact me soon. After waiting 10 minutes, a call was made to me but was immediately disconnected before a conversation began.
I then contacted One Main Financial concerning the loan and was told by the representative that she needed more information and I would have to re-appply with her over the phone ; although I told her that I was already approved with the email confirmation as proof. After providing the representative with all of my personal information, I was then told that I was denied of the loan and a hard inquiry was reported to the credit bureaus and has placed in my credit report since. This is false, confusing, misleading and deceptive advertising/marketing. Without exaggeration, this loan was needed for several reasons. One reas  on was to bury my deceased uncle and I have the death certificate to backup and verify such statement. The undue hardship and mental anguish this has caused me is indescribable. Knowing that my approved loan was taken away without reason or cause left me in a state of  XXXX . This has aff ected my credit tremendously and makes me to appear more risky to creditors and lenders. Creditors and Lenders are have been and are still looking at my report and wondering why a history of line of credit with One Main Financial is n't in my report since my hard inquiry is less than a year old. Please see the attached docum ent showing that the email was sent to me letting me know I was indeed approved of the loan.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (MI)

In  XXXX   2016 , I made a debt settlement with a company called  XXXX . The original debt was just over {$1800.00}. The debt was settled for {$750.00} even. I had taken out a personal loan at my local credit union to pay for this debt. My credit union mailed out the check. I called  Barclaycard  a few weeks later to confirm they received the check. They did confirm the check was received and that my account has a balance of {$0.00} and is closed out. 3 months later, I receive mail from  XXXX   XXXX   XXXX  stating they are a debt collector and that I owe them just over {$1800.00}. I called to inquire about the debt, as I had my credit union completely pay off all my credit cards and should n't have anymore debt.  XXXX   XXXX   XXXX  stated they bought the debt from Barclaycard. After dozens of phone calls, neither company can help me. Barclaycard has hung up on me many times when asking how to handle this.  XXXX   XXXX   XXXX  does n't seem to have a single employee who can speak decent English, let alone understand what I 'm explaining to them or how to handle it.
Consumer complaint received 2023-01-07
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. (NV)

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX XXXX XXXX  and XXXX  asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or Equifax would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Hello, staff of the XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. During this period, I have called the PayPal customer service representative many times, and the problem has not been resolved. Please help
Consumer complaint received 2023-01-07
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. (GA)

Trans Union did not properly investigate information and continues to report inaccurate and false information on my consumer report. i have previously notified them of their error but they refuse to correct
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

On  XXXX   XXXX  I received a reply from Chase Bank in regards to my complaint. They stated they would not correct or take further action towards my account. However, they stated as a form of a accommodation they will request from credit reporters to delete lines. I want to request that  Chase  does not delete my positive history and indicate that the account was paid in full and is in good standing, closed. If deleted, I want it to be indicated that I am had made all payments and it was a positive debt or report of accounts. I do not want it to be deleted as poor standing etc.See previous complaints.
Consumer complaint received 2023-02-13
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. (NV)

XXXX XXXX acct. # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act 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 COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS
Consumer complaint received 2023-02-01
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)

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 2023-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AL)

IC System Inc I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2022-09-07
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. (MS)

Dispute XXXX Texas Attorney General Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The account identified with the Texas Attorney General Office # XXXX shows I currently owed {$51000.00}. That amount is grossly inaccurate because I had consecutively paid the payee since XX/XX/XXXX, and the Texas Attorney Generals Office has proven fully satisfied and released the debt. 

The date of XX/XX/XXXX, the first delinquency on my report, is inaccurate and should have never been reported as delinquent on the consumer report. All three credit reporting agencies have continued to report inaccurate credit information mentioned in this letter.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has manipulated my consumer statement took out sentences etc PLEASE SEE MY REGISTERED LETTER TO ALL XXXX this is example on how they operate PLEASE THIS WILL BE EXHIBIT F these many of many you have no clue the damages being done XXXX has demonstrated very poor and known fact they thrive on the income that companies pay to XXXX you to be able to extend credit at high interest rates as you will see I pay my bills that are mine and thought in question can XXXX no mater if its XXXX $
Consumer complaint received 2022-11-27
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. (NC)

For the past 6 months, I've reached out to XXXX, XXXX and Equifax to notify them of the below errors. They have failed to properly investigate. The XXXX Account XXXX that is reporting 8 late payments was serviced by XXXX back XXXX 2019. I do not ever recall being late. I've asked for proof and I've received no response. XXXX has been accused of misapplied payments, surprise late fees, processing delays, and misrepresentation of repayment. I have been a victim of their negligence and want these late payments updated to show that I was never late. In addition, I've notified XXXX, XXXX and Equifax of the XXXX XXXX Accounts XXXX and XXXX which are riddled with inconsistencies and inaccurate information that can not be true. They have not investigated nor updated the accounts so they are consistent. All 3 credit reporting agencies are reporting different high balances, dates of last activities, date opened, account ratings, dispute statutes, and the date of the last payment. How is this possible if this is the same account? See screenshots.