davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX claims I had a late payment in XXXX of 2022. I never paid late, I simply started paying weekly to pay off faster. I made numerous attempts to resolve this with them and they will not remove this false late payment from my credit. this has negatively impacted my report and my life. I would like this resolved asap please.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to express my deep concern regarding a recent dispute I submitted to Equifax. On XX/XX/2024, I filed a dispute regarding an erroneous item on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of my dispute, with a resolution typically required within 30 days. 

However, despite the passage of more than 30 days since my initial dispute submission, I have not received any communication or updates from regarding Equifax the status of my dispute. This lack of response not only violates my rights as a consumer under the FCRA but also undermines the integrity of the credit reporting process. 

I would like to remind Equifax of its legal obligation to promptly investigate and respond to consumer disputes. Section 611 ( a ) ( 1 ) ( A ) of the FCRA clearly states that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days of receiving a consumer dispute.

I kindly request immediate action to address this matter and provide a thorough update on the status of my dispute. Furthermore, I expect Equifax to take appropriate measures to ensure compliance with the FCRA in all future interactions with consumers.

Failure to comply with the FCRA 's provisions regarding dispute resolution may result in legal consequences and damage to XXXX 's reputation as a reputable credit reporting agency.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX. XXXX, GA XXXX Dear Equifax Information Services LLC , I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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: Bread Financial Holdings, Inc. (PA)

Dear Sir/Madam, I am writing to dispute the duplicate debt collection account associated with account number [ XXXX ] in the amount of {$1800.00} that XXXX XXXX XXXX is attempting to collect. Said debt has been reported as a charge off but the original creditor while also posting as a collection to my credit report. I believe this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 623 ( a ) ( 2 ), a debt can not be reported more than once for the same delinquency. I have identified two separate entries on my credit report from XXXX XXXX XXXX ( comenity capital Bank ) for the same debt, which is a clear violation of this provision. 

I request that you investigate this matter immediately and take corrective actions to remove the duplicate entry from my credit reports. Furthermore, I insist that you provide written confirmation within 30 days that the duplicate entry has been removed, and that you have taken steps to prevent similar violations in the future. 

Failure to rectify this situation may result in legal action to enforce my rights under the FCRA. I trust that XXXX XXXX XXXX will handle this matter promptly and in compliance with the law. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I am writing to file a formal complaint regarding the handling of a fraudulent withdrawal from my account. I recently discovered that {$98000.00} was fraudulently withdrawn from my account through wire transfers. While I appreciate the return of {$25000.00}, I find it unacceptable that only a fraction of the stolen amount was reimbursed. 

I want to emphasize that I took every possible precaution to protect my account. I did not open any suspicious emails, respond to any messages, or answer any phone calls that could have compromised my security. Despite my efforts, my account was still compromised. A Wells Fargo investigator did mention something about " sim phishing '' The fact that only {$25000.00} was returned to me implies that I am somehow at fault for this fraudulent activity, which is simply not the case. I urge you to reconsider your decision and provide a reimbursement for the full amount stolen. 

I expect a prompt and satisfactory resolution to this matter. Failure to do so will leave me no choice but to escalate this complaint further. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

I did not received the XXXX XXXX XXXX When I realized, I went to the store and paid the complete balance. I complained with the cashier about not having received the statement, and she gave me a customer service number. I called there and explained the situation. They confirmed that there was an error in the address, and fix it. Since there was an error in the address, I never received the statement. Moreover, the company never called me to notify the payment delay. Therefore, this late payment should be removed from my credit history.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

i am disputing an inaccurate and incomplete item on my credit report with XXXX, EQUIFAX, AND XXXX, they are all reporting different information on each report which is a violation of the FCRA, 15 USC 1681e ( b ).

It states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. since its not 100 % accurate and complete it needs to be deleted from my credit report. 

i have attached exhibits from each website with my letter for your reference.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AL)

According to my Chase card statement, my payment of my {$1100.00} balance went through on XX/XX/23, after which my balance was {$0.00}, on the same day, XX/XX/23. I was then charged {$22.00} in interest on XX/XX/23, the day after my balance was {$0.00}. I am complaining that I was charged interest after my balance was {$0.00}. A {$0.00} balance should incur no interest. 

I tried calling Chase customer service to request a refund of the {$22.00} interest charge but was told by the representative that there was nothing she could do.
Consumer complaint received 2023-08-09
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)

On XX/XX/XXXX, I made a purchase at a Lane Bryant XXXX while visiting XXXX. I had forgotten if I purchased by cash, debit card, or using my Lane Bryant Card. This was during the Pandemic and I had not received any statements. At the time of the purchase, I had a XXXX balance. I normally paid the Lane Bryant card biweekly, and I had previously overpaid the account by {$85.00} because I had automated my payments for many years. I had been a customer of Lane Bryant since XXXX. With a balance of ( - {$85.00} ), Comenity Bank began charging me late fees of {$35.00}. And resolving this dispute was problematic and they did NOT return all of the overpayment. But it became too much of an expense and a bother to get the last {$35.00} back. So I let the issue go and stopped using the card. 

During the Pandemic, there was a discrepancy with receiving mail. And I had been in and out of town often. I did not realize there was an issue with the bill until a collections representative called me, informing me the account was past due but still open. At that time, I explained the oversight. I sent the minimum payment due. I also sent payment in full for the items I purchased. I also explicitly let them know I did not receive my statement. When I finally received my statement in XXXX, I saw they had charged me {$220.00} late fees. I called Comenity Bank and requested to speak to a supervisor, disputing the late fees because ( 1 ) I had not received a statement ; ( 2 ) I have had a Lane Bryant store credit card for 15 years with a favorable payment history ; ( 3 ) their payment processing had been so poor the prior year they had charge me interest and late fees on a negative balance and still had NOT repaid me all of the money for that discrepancy. Despite having been treated this way, Comenity Bank refused to remove the late fees. I was peeved but I paid the balance in its entirety anyway. BUT THEN... Comenity Bank CLOSED my account that I had paid and repaid favorably for year, negatively impacting my credit score.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I applied for a XXXX XXXX card, run through Comenity Bank, and was approved. I never received the credit card as it shipped to a location I could not receive it at. I called several times when I received an email about a payment being due from an online purchase made by one of their sales associates ( as I did not have a credit card I could use to make the purchase ). I tried to get the card sent to a different address. I offered to verify my identity using my SSN, or any other PII they had on me. They refused to verify my identity, or send the credit card. Without verification, or an actual credit card, I could not access my account, view my bill, or even get my account number. I also was unable to make any purchases. I told them I would not pay a bill that I was not allowed to review, or for a card I was not able to use. I then closed the account. They have now been harassing me non-stop for months on end. It is my understanding, following some light research after this incident, that they are only supposed to call up to 7 times a week. On average, I get around 5-7 phone calls every single day, sometimes more. This is harassment and totally unacceptable. They also block their caller ID, which it seems they are allowed to do, but is still very deceptive.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc. (NY)

I have enrolled in XXXX in XX/XX/2023, a nonprofit debt counseling program, to help me restructure my credit card debt, as I have fallen on hard times. I was trying to avoid XXXX  XXXX bankruptcy. XXXX sends a monthly payment to this creditor, who accepts it, but keeps charging me late fees and over limit fees. They have also reported my account as delinquent with the XXXX reporting bureaus. XXXX has been trying to work with the creditor to remove the default from my credit reports, to reduce the interest rates, and to accept a lower monthly payment, so I can avoid filing for XXXX  XXXX. Instead this creditor is trying to hold my hostage, but charging late fees/overlimit fees/sky high interest rates and strong arming be my reporting I am default/late payments/ when I enrolled in XXXX when there were no late payments or default on my account.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

I had credit inquiry from Barclays Bank Delaware and AMEX om XX/XX/2022, XX/XX/2022 respectively. I haven't done any credit inquiry from those banks. I had hard checks for those two which effected my credit score very badly
Consumer complaint received 2023-06-29
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. (IL)

I have been disputing information on my credit report with Experian since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving Experian XXXX days each to furnish proof of the requested item I disputed. Each time within 5 days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX XXXX XXXX and Experian is showing 3 bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and XXXX  account are showing late payments in which I asked for proof of late payments XXXX XXXX and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over 60 days to complete their investigation and furnish proof.
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KS)

I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX  the amount of {$870.00} opened XX/XX/2014. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXXXXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXXXXXX XXXX I decided to contact again XXXX XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX, XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.