davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

Commenity Capital is trying to collect on a debt that I supposedly owe that is not mine. 

This debt is in the name of XXXX XXXX. My name is XXXX XXXX. 

I have contacted them on numerous occaisions via certified letter regarding this and they refuse to remove the bad debt from my credit reports. 

I've contact the credit bureaus and 1 out of 3 have removed this error but the other two so far have not. I have also contact the credit bureaus on numerous occaisions by certified letters. 

The debt in question is this Account : # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX Orginal Charge Off : {$2200.00} Credit Limit : {$2100.00} Pay Status : Sold, ChargeOff This debt is showing up on my credit reports, specifically XXXX and XXXX, XXXX removed it, and this has definately hindered my ability to get credit or apply for credit. In fact it has also caused me emotional harm. Being denied for credit because of someone else 's debt on your credit reports is simply awful! 

Also, this is a HIPAA Violation. To share someone's medical information with other people, or third parties like myself and the credit bureaus is definitely a legal matter and something I am looking into as I write this. 
My request is for Commenity Capital to remove all of these bad debt entries from every single one of my credit reports including, XXXX, XXXX XXXX, XXXX and all the others. I don't know how far this has gone but it has tainted my reputation and reduced my credit score by well over XXXX points maybe more! 

Police Report filed with this complaint
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Subject : Credit Dispute and Demand for Removal of Unauthorized Items I am writing to formally dispute and request the immediate removal of certain unauthorized items from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). I have provided the necessary details below for your reference : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA, I have the right to request an investigation into any inaccurate or unverifiable information on my credit report. I kindly ask that you remove any items that the respective creditors can not substantiate. As per XXXX U.S.C. Sec. XXXX ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter. 
Furthermore, I would like to bring to your attention that the following accounts, which were part of my bankruptcy, are still erroneously appearing on my credit report under collections accounts. They should have been removed when my discharge was finalized. I have attached a copy of my bankruptcy documentation for your review : XXXX. Account : XXXX XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX. Account : XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Account : XXXX XXXX XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX I Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I kindly request that you promptly investigate these accounts and remove them from my credit report as they are unauthorized and should not be negatively impacting my credit history. 
I appreciate your attention to this matter and expect a timely resolution. Please provide written confirmation once the necessary corrections have been made to my credit report. 
Thank you for your time and assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX Re : Closed account ending in XXXX, Active account ending in XXXX In XX/XX/XXXX I misplaced my BJs credit card ending in XXXX, and closed the account. 

In XX/XX/XXXX I paid my active card ending in XXXX. 

You credited my closed account for my payment hence the credit balance. I called customer service and was told the monies would be moved to the active account and the late fees would be waived. 

It has been 2 months, I stopped using the XXXX account. You never transferred the payments to the active account, you have charged me {$60.00} in late fees and interest. 

What do we need to do to correct this? 

Thank you, After this letter they moved the credit from the closed account to the open account but they left the late fees, interest and charged a membership renewal to the active card. I sent them a letter saying I do not want to renew, I am not using the card and I want a credit for the late fees and interest. They called today to say they are putting me in collections. 

I have tried calling and was told everything has to be in writing at this point. I am in my XXXX and would like to have my record clean before I die. This card is linked to a BJs wholesale club membership I do not want the card or the membership. I just want out of this relationship.
Consumer complaint received 2022-12-12
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. (CA)

I a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and XXXX XXXX XXXX. I was given an settlement claim number along free credit reports for XXXX years. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. 
In accordance with FRCA evrything must be accurate. 
My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). 
How can these been accurate if my SSN is not even on my report, along with XXXX different names, XXXX diffrent employers and XXXX diffrent dates of open, XXXX XXXXXXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} I am requesting these accounts to be deleted for they are not mine!
Consumer complaint received 2022-11-08
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX XXXX : - ; US DEPT . OF EDUCATIO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX  Original creditor XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account through XXXX Bank showing on my credit file as a charged-off account I have called this company to find out what this is and they do not have anything in their data base with my information. I have disputed this and still this company list this inaccurate data on my credit file. Please help
Consumer complaint received 2024-04-01
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. (MD)

I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write off on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect. This is called tax fraud upon the irs, and you will be reported for such.
Consumer complaint received 2023-06-06
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: JPMORGAN CHASE & CO. (IL)

usc 1681 section 602 states I have the right to privacy usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction us code s 1681a definitions rules of construction exclusions : except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experience between the consumer and the person making the report usc 1666b - a creditor may not treat a payment on a credit card account under an open-end consumer credit card account as late for the purpose Chase credit card, XXXX XXXX XXXX late fees
Consumer complaint received 2018-04-15
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. (FL)

After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, Experian and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).
Consumer complaint received 2023-01-25
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. (AZ)

I reviewed my Consumer Reports and noticed that I had SIX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXX XXXX # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CO)

I was transferring all of my cash out of my Marcus Savings account on XXXX. I received a call from a representative from their fraud department asking me to validate transactions from over 2 months prior. I validated the transactions. They then said they needed to lock my account until they could validate that external accounts I transferred cash to over 3 months ago belonged to me ( despite me validating the transactions as legitimate ). I had already validated these bank accounts too through trial deposits. 

My husband is currently experiencing a similar situations with Marcus -- it seems as though they retaliate against customers who are trying to move funds out of the bank - trying to validate a now closed bank account because I transferred cash to that account 3+ months ago and freezing my account as a result is ridiculous. 

I am hopeful that you can assist with getting my account unfrozen.
Consumer complaint received 2023-05-30
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. (OH)

I opens my credit report and noticed my XXXX account says I was late on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I have never been late on this account
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NY)

I have spoke with several representatives from affirm and its third party credit collection company names XXXX XXXX XXXXAffirm and XXXX according to the supervisor at XXXX have an internal battle and affirm will not update customer accounts because they want the money transferred from XXXX which they can not being it was sold off from affirm to XXXX. So for months my credit report is reporting false information
Consumer complaint received 2018-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services (FL)

I contacted North American Credit Services on XX/XX/XXXX to pay a debt that was showing on my credit report in the amount of {$240.00}. I paid it in full to have deleted off of my credit report. They then asked if I was going to take care of a {$1000.00} debt from hospitals / doctors back in XX/XX/XXXX. This was NOT on my credit report at the time. This is XX/XX/XXXX. I asked them to hold off until I do some research on the bills because I don't recall them from over 3 years ago. 
Then a few days later my credit score was hit and dropped XXXX points because they put it on my credit reports. They did NOT allow me to verify the debts that I thought were paid in full. They reported it on my report when I asked them to give me time to research. Now my scores went down XXXX points and its hard for me to come up with the debt. I am still unable to verify. I asked that they send me all documentations that the debt was mine so I could compare to any bills that I also had. I keep all my documents. She got smart with me and said that would take some time. I told her to send them. 
I still haven't received them and in the mean time its still showing on my credit reports and still badly affecting my scores. 
Can you please assist me with having them take this debt off of my 3 major reports until I get all documentation from them and do my research to make sure my insurance company or they did not drop the ball. It is totally unfair especially since it was ME reaching out to them to pay off a debt I noticed on my credit report when I started to used XXXX XXXX.. I paid that one off because I had the bill to verify and thought I was doing the right thing.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX I mailed letters to XXXX, Experian and XXXX  disputing numerous items. On XXXX XXXX I received numerous letters from XXXX XXXX XXXX stating the debt and saying if I wanted information substantiating the debts to write a letter which is what the letters were for that I send on XXXX XXXX. None of the debts were validated. As of today, they still have not been validated per my letter. It has been much longer than 30 days. 

XXXX XXXX XXXX, XXXX in the amounts of {$610.00}, {$720.00}, {$930.00}, {$780.00}, {$300.00}, {$630.00}, {$600.00}
Consumer complaint received 2023-06-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I did not give PORTFOLIO RECOVERY ASSOCIATES LLC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

PORTFOLIO RECOVERY denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give PORTFOLIO RECOVERY permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with PORTFOLIO RECOVERY yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with two bureaus XXXX, and XXXX who are allowing PORTFOLIO RECOVERY to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or XXXX, permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (VA)

Opened an account with dental first financing through comenity capital bank. Promotional plan for 18 months. Account fully paid before promotional ending date. This was confirmed by the statement received from comenity. The following month statement I received a bill for {$2800.00} of interest. Made several calls to no avail. Sent certified letter to comenity home office XXXX XXXX on XX/XX/11. To include the above facts & copies if their statements to me indicating monies paid before end of promotional date. It is now in collections I have not received any response fro comenity
Consumer complaint received 2022-12-21
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)

XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.
Consumer complaint received 2023-06-17
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: EQUIFAX, INC. (TX)

Fourth response to remove unauthorize inquries off my credit file. " Dear Sir or Madam : As they refered to me as a Ms or Mr .. I am a man and was born a man and i find that an insult from the burea indicaticting that. 
Federal law prohibits you from inquiring about my credit history without a ) being an existing creditor with a lawful interest, and B ) without my written authorization otherwise. You inquired on the following dates : XX/XX/XXXX, XXXX, XXXX, as evidenced by a copy of my credit report, a copy of which is attached here to for your reference. Its shows XXXX inquries on my credit report and some is duplicate. 

I have pursued an amicable resolution of this issue on several occasions, yet the problem remains. Within ten ( 10 ) calendar days from receipt of this letter, provide me with a photocopied authorization form, bearing my signature, which authroized your inquiry into my credit file. 

If I do not receive same on or by the aforesaid time, I will commence legal action against you. A copy of the suit, completed but not yet filed, is attached hereto for your reference. I reserve the right to amend such action, at any time and without further notice to you, to include damages not limited to defamation of character and humiliation. ''