davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have disputed my address information on my credit reports with XXXX, XXXX, and Experian. I have only one current address that should be on my account and all the other addresses should be taken off. I have filed many disputes even to get my credit reports correctly updated. My student loan accounts on my credit are numerous for one company XXXX. When I should have only one account for my student loans. But its spread out on my credit report. I want that fixed as well. Lastly, I have disputed companies on my credit to verify that the accounts are involved in litigation and once their investigated it still says its correct but its not most of the accounts are involved with litigation and should have been removed from my credit but there still there. These companies or XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and the XXXX company. My current address is on my license.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, XXXX AND XXXX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

This is a complaint on the Children 's Place Rewards Store credit card. 
I had a balance of {$260.00} that was due on XX/XX/XXXX, I paid off the balance on XX/XX/XXXX in the amount of {$260.00} ( 18 days before my due date, no residual interest ). For the next month, my balance should have been {$0.00} but they charged me an interest of {$2.00} on a {$0.00} balance, including a charge of {$0.00} for account protection ( Account XXXX which I have no confirmation of signing up for ). In fact, I have an email stating that I am not signed up for it. Regardless, based on their guidelines for Account XXXX, you are not to be charged when there is a {$0.00} balance. 
Then late fees and more finance charges were added in the total of {$6.00}, which I paid of on XX/XX/XXXX. 
The next month in XXXX I have a finance charge on my statement again, including late fees and charges for account XXXX. The same charges were added and I once again paid it off on XX/XX/XXXX. 
Please note I closed the account on XX/XX/XXXX XXXX received a confirmation letter from them. At that time, I asked about the charges and they agreed they would remove them. 
To this day, I am still getting calls to pay what is supposedly owed even though I explained I have already cleared my balance and asked why they are charging interest or finance fees, adding account XXXX  charges and late fees on a {$0.00} balance. Today I called Comenity Bank, and they gave me the run-around, placing me on several long-holds several times. I asked to speak to a manager or supervisor since I had already resolved this issue in XXXX. In the end, they alleged the system was not working and to call back. 
If I pay this balance which is now around $ XXXX, I fear they will forward a finance charge on a paid balance of {$0.00} again and this cycle will continue and will never be paid/cleared. 
I feel this is consumer/credit card fraud. All charges should be transparent at the time you have to pay your bill so that a customer can pay off their balance and there are no surprises after you think you have paid off your bill. And lastly, a finance charge should not be charged on a {$0.00} balance.
Consumer complaint received 2024-03-11
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-11
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. (NC)

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance : {$750.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX XXXX  to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX XXXX this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. it also shows that this company have sold my info to numerous XXXX parties. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
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 — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX XXXX this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. it also shows that this company have sold my info to numerous XXXX parties. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Consumer complaint received 2022-12-12
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. (NY)

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumir Reporting agency can not furnish a Account without my written insturctions.

15 USC 1666B : A creditor May not treat a payments an credit card Account under an open end consumer credit plan as late purpose.
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (CA)

I registered my bank account online with Mariners Finance to make my payments. The numbers looked correct on my side and showed that my account was validated. I made my payment on time and then received a call that my payment did not go through. The branch manager said she couldnt confirm my account and need to speak to IT. She called back the following day to say my account number was wrong and I was going to now be charged {$15.00} and I couldnt make my payment online and needed to use my debit card and be charged for using that. 
This sort of additional charge has been occurring since the inception of this terribly high cost loan with a rate of 35 %. When I said this was not okay, I was continually told I didnt understand the process. The condescending manner to be spoken to is infuriating. And I assured the multiple people of spoke to that I am a licensed Mortgage Loan Officer and completely understand miscellaneous, frivolous charges and I told the last person I spoke to that I was filing a compliant. 
You cant restrict how a payment is made and charge them for making the payment that way when that manner is the only option.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following accounts were never late I have sent 4 letters without a response XXXX XXXX XXXX Negative Negative Negative open, installment, collection, past due, assigned to attorney, collection agency, or XXXX XXXX XXXX XXXX XXXX department, seriously past due XXXX XXXX XXXX Negative Negative Negative Was 30 days late 3 time ( s ). Was 60 days late XXXX time ( XXXX )., XXXX days XXXX days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s )., revolving,30 days late,60 days late, delinquent, past due XXXX XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 3 time ( s )., revolving, settled,30 days late,60 days late,90 days late XXXX XXXX XXXX  Negative Negative Negative Was 30 days late 1 time ( s )., Was 30 days late 3 time ( s )., revolving,30 days late Please remove the accounts from my credit report
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

XXXX was XXXX income household they dropped credit line, I paid it down and haven't charged anything in over 1 year yet the balance is still high. Recent fraud from my bank detected, unable to get late fees waved. 2 payments have been made recently. and it's in the negative balance. 
Incorrect account holders Name. unexpected medical expenses, Fraud, ID theft,
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

The spots me feature they have I have deposits in my account and i was able to overdraft and pay it back I got a deposit and they took it away from me XXXX  days after I had a deposit hit my account to tell me that it not a qualifying deposit I've had XXXX deposits hit my account and on the last one they said that it's not a qualifying deposit so if it's not a qualifying deposit then why was it given to me in the XXXX  place I have been telling me a whole bunch of wrong information about this feature they told me that you can get this feature many ways with how many times you use your debit card with your deposits and much more then I was told to contact the supervisor that I was speaking with to give her a call back XXXX hours after she was investigating the matter and I could not talk to her they could not send me to her so if she was a supervisor then why would she inform me to give her a call back if I wasn't able to talk to her then they told me that it is updated every XXXX  days and that was only XXXX  days they have gave me the runaround then they have told me that I was going to get emails about the situation I have got not XXXX email from them about this matter and nobody can tell me anything
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have a Bankruptcy report on my credit report. I don't know about the reports because they don't belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2022-12-12
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. (GA)

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. 

XXXX XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX # XXXX has violated My rights XXXX XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX  # XXXX XXXX # XXXX Experian # 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 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or is reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-06-20
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. (RI)

I requested the correction of inaccurate information that another credit reporting agency found inaccurate and had removed it. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX  XXXX Bankruptcy 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 XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-12-12
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. (NC)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy the reported payment history of these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX Date Opened XX/XX/2022 Balance : {$250.00}, XXXX Date Opened XX/XX/2022 Balance : {$150.00}, XXXX Date Opened XX/XX/2022 Balance : {$72.00}
Consumer complaint received 2022-12-12
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. (GA)

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. 

XXXX XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX  # XXXX has violated My rights XXXX XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX # XXXX Transunion # 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 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or is reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent a letter along with a copy of my official CA ID on XX/XX/2023 ( certified ) to the following credit bureaus requesting for them to update my report with the correct name/address provided and to remove all others for fraud purposes : Experian : XXXX XXXX : XXXX XXXX : XXXX It is a month later, and all bureaus have failed to adhere to the FCRA in regards to my rights as a consumer.
Consumer complaint received 2022-12-12
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXXXXXX 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 XXXXXXXX 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 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-13
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. (AL)

XXXX and Equifax violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done!