davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted 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 XX/XX/2023
Consumer complaint received 2024-04-26
Product: Credit 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: CITIBANK, N.A. (ID)

I had a refund of a purchase ( {$1200.00} ) I made from the XXXX XXXX occur on XX/XX/XXXX for an accidental renewal that occurred on XX/XX/XXXX. The vendor, XXXX XXXX, was extremely communicative and understanding and issued the refund. After a sometime of not receiving funds I contacted the vendor and they provided proof of financial return. I contacted Citibank Card and opened a dispute on XX/XX/XXXX for not receiving funds and provided information to them. They responded in XX/XX/XXXX stating I am responsible for the purchase, even though the refund was initiated from XXXX XXXX. I reopened a dispute and provided further details to Citibank Card on XX/XX/XXXX. They responded on XX/XX/XXXX stating that I am responsible for funds with no further explanation. I am writing this for aid in a complaint against Citibank Card for gross negligence, mishandling, and misappropriation of my money. I have reached out multiple times to Citibank Card. I have also had amazing, transparent commination with XXXX XXXX and they have stated that the funds are also out of their account and they confirmed with their bank that the refund went through on their end. I have exhausted all attempts on my end and I am now pursuing this avenue.
Consumer complaint received 2023-09-12
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute certain inquiries on my credit report, which I believe to be unauthorized and inaccurate. These inquiries are negatively affecting my credit profile, and I request a thorough investigation into their validity and removal if found to be unjustified. I have not applied for credit with the entities associated with these inquiries, nor have I given them permission to access my credit information. As such, I have reason to believe that these inquiries were made without my consent and are in violation of my rights under the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2022. Please delete these inquiries immediately.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX inquiry on my credit report XX/XX/2023 that was not done by me I have fraud alert set up as well. There not to run my credit without proper authorization.
Consumer complaint received 2023-09-12
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. (MA)

XXXX XXXX XXXX inquiry on my credit report XX/XX/2023 that was not done by me I have fraud alert set up as well. There not to run my credit without proper authorization.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2020-03-12
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. (MD)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX/XXXX  ; XXXX/XXXX  XXXX  XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX/XXXX  ; XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX; XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MT)

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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-03
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. (PA)

In XX/XX/XXXX, I spoke with XXXX regarding the reporting of a XXXX XXXX  Holding Acccount that was closed. The information was subsequendtly updated as accurate- no late payments. I contacted the creditor and they advised they would update the report which they did in the past. Today XX/XX/XXXX, I looked at my report and XXXX XXXX reported me as being late in XXXX and XXXX again, whch is totally inaccurate. XXXX  keeps allowing the creditor to report inaccurate information on a closed account that was last reported as accurate in XXXX. 3 years later we have a activity of late paymet activity.
Consumer complaint received 2023-07-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AL)

When we got a title loan on our vehicles, we were under the impression that it was the same process as it was when we resided in Georgia. Titlemax employee told us that is was a slight difference but did not tell us the difference. She scanned through the screens with a brief description of each page as she went through. Nothing was not discussed about us being charged for a daily interest. Our SUV was in the shop since XXXX and we just got it out on XX/XX/23. Due to that vehicle being in the shop, my husband was not able to work due to not being able to put work equipment into a car. Since then, we have been struggling financially. Our powers was cut off, our phones were suspended to where we couldnt make calls, and we had less than XXXX tank of gas to get me to my appointments. I have attached documents showing the dates and amount paid for repairs to our SUV. Please help us! I am XXXX and fighting for my XXXX and my husband is trying to get more work now our SUV is out of the shop. We have filed a previous complaint in which titlemax ignored our request for help on this matter. Titlemax is a crooked company and out to rob people when they are most vulnerable. PLEASE HELP US!
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I filed a dispute with Experian on XX/XX/2023 regarding a credit card account that was mistakenly added to my credit report. After their investigation, on XX/XX/2023, they retained the card account, which I do not recognize, with the claim that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Now, the financial behavior associated with this credit account, which belongs to someone else, has significantly impacted my credit score in a negative manner.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (GA)

On Wednesday, XX/XX/2023, I received a Destiny Credit Card offer. I applied and was approved for a credit card with a {$700.00} credit limit. 
On XX/XX/2023, I received an Indigo Credit Card offer. I applied and was approved for a credit card with a {$300.00} credit limit. 
After XXXX, I did not receive the credit cards. So I called the XXXX numbers associated with the credit card companies. 
The customer service representatives for both the Destiny Credit Card & the Indigo Credit Card companies assured me they would report the first cards as lost or stolen and re-issue me new credit cards. 
Today is Monday, XX/XX/2023, and I have never received the Destiny Credit Card or the Indigo Credit Card I was approved and promised. 
To make matters worst, both the Destiny Credit Card & the Indigo Credit Card companies are reporting fraudulent, negative, and inaccurate information with all three credit bureaus. 
Can you please help assist me clear my good name and credit. 

Thank you sincerely!
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: International Recovery Associates, Inc. (NY)

International Recovery Associates , INC. purchased my medical debt from about 10 years ago. Im currently injured and not working, and informed the agent that called me about this. She began to question how I had a phone to receive her call, if I had no money. Thats not professional and actually none of their business, but I endured this type of harassing questioning for a good XXXX minutes. I then informed her the call was over and I wasnt answering another thing, at the tip of my lungs. She continued and I told her I refused to answer anything and else until she finally hung up.
Consumer complaint received 2024-04-02
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (CA)

XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and EQUIFAX other fraud has been committed under my name. XXXX and XXXX have already removed this item from my report so Im asking for EQUIFAX to remove this item immediately Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-09-12
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 am writing to formally dispute and request a thorough investigation into the account information related to the alleged fraudulent account, which XXXX XXXX claims to be mine. I believe that XXXX XXXX XXXX actions in this matter are in violation of federal laws, including 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). I am seeking resolution and clarification regarding the following matters :
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/XXXX, I signed up for a credit card at Sephora, through Comenity Bank. My husband had a Victoria 's Secret card through Comenity for XXXX years so I expected no issues. I made THREE ( XXXX ) purchases with this card. 

XX/XX/XXXX I charged {$1000.00}, statement closed XX/XX/XXXX, on XX/XX/XXXX I paid {$1000.00}. 

XX/XX/XXXX I charged {$86.00}, statement closed XX/XX/XXXX, on XX/XX/XXXX I paid {$86.00} ; and on XX/XX/XXXX they refunded my {$15.00} late fee. 

XX/XX/XXXX I charged {$260.00}, statement closed XX/XX/XXXX, on XX/XX/XXXX I paid {$260.00}. 

That's it. I only made XXXX charges total, and I paid off the full amount each time within XXXX weeks of receiving my bill. The problem is that after each statement closed ( XXXX ), by the time Comenity printed, processed, and mailed each statement, I would not receive it until around the first of the month. Which means Comenity expected me to not just submit payment, but for them to receive and process that payment within two weeks of my receiving the bill. 

The entire dispute I am having with Coemnity goes back to my very first bill ( statement closed XX/XX/XXXX ). Despite this being my very first bill, postal delays due to XXXX, and having to set up payment from scratch, I still had this bill payed within 10 days of receiving it. Comenity processed this payment on XX/XX/XXXX, The second bill ( closed XX/XX/XXXX ) reflects that Comenity had received payment in full for my entire balance ; yet they still assessed a {$30.00} fee on XX/XX/XXXX. 

I initially assumed this {$30.00} fee was a mistake on their part, and that they would be happy to rectify the issue due to this being my very first payment & the balance being paid in full. This second bill was paid a little late ( still less than 30 days ), and to their credit when I spoke with Comenity they refunded the late charge. So by XX/XX/XXXX I had made XXXX charges, paid both in full, and had a {$30.00} fee that should never have existed and expected to be removed. When I did not receive a statement for XXXX ( statement closing XXXX ) I assumed the fee was dropped ( as many cards dont send a statement if there is a XXXX balance ). 

In XXXX I made one more charge, which was promptly paid off. I spoke with Comenity about the outstanding balance that was entirely fees accumulating based on the very first fee that should never have been charged, and Comenity refused to acknowledge their mistake. We cancelled all cards with them, and closed the accounts. Despite this, Comenity Bank continued to assess fees and is claiming I owe them {$440.00} in fees and interest. They now have XXXX XXXX XXXX trying to collect on this " debt '', and have reported me to the credit bureaus.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my XXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
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: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX inquiry on my credit report XX/XX/2023 that was not done by me I have fraud alert set up as well. There not to run my credit without proper authorization.
Consumer complaint received 2023-09-12
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. (AZ)

XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX  XXXX Bankruptcy Case Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX  Account Number : XXXX added a derogatory mark on my credit report per TransUnion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX Bankruptcy Case Number : XXXX, XXXX  XXXX Bankruptcy Case Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.