davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

On XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendors XXXX or XXXX XXXX XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 


XX/XX/2022 I had disputed with equifax about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from equifax do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2022-04-19
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. (MS)

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 # XXXX ACCOUNT has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I DD NOT GIVE WRITTEN INSTRUCTION 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 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendors XXXX or XXXX XXXX XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

XX/XX/2022 I had disputed with experian about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from experian do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 


XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc (OH)

At XXXX XXXX  XX/XX/2021 i was called on my personal cell phone with an activation code from Chime. Between XXXX XXXX  and XXXX XXXX  on XX/XX/2021 i received 6 text messages with a security code for my new account. The problem I NEVER setup an account with chime - i was in bed asleep when this happened. I called Chime at XXXX at XXXX and spoke to an agent. She was difficult and sounded uninformed on how to handle wrong account information or fraud. She told me i must PROVE that my phone number belongs to me, they would need my phone bill to validate. She was able to validate that my name ( XXXX ) is not the name on the account. The IVR recognized my phone number so there systems are aware i called from my phone number. Yet they refuse to help me stop fraud = someone using my phone number on there account ( weather it is an innocent mistake or fraud Chime should NOT be enabling fraud .. they should be working to investigate each call where a consumer is notifying them of possible fraud. instead i have been brushed off as someone is using my information. Chime is either to small to create a fraud team to escalate & investigate issues or concerns- or it does not care about keeping consumers information secure and taking steps to mitigate fraud .... I need my phone number removed from this account as it is NOT my account - i have NO financial relationship with Chime ...
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The FCRA allows only authorized inquiries to appear on the consumer credit report. This is Defamation, Negligent Enablement of Identity Fraud and Violations of the FCRA. Failure to respond satisfactory compliance within 30 days of receipt of this CFPB complaint will result in small claims actions against your company seeking {$1000.00} per violation. I have been keeping up with all complaints and corresponds from you. Please validate this information with companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

TEAM & amp XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/2021 XXXX ( Bank ) XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX ( Hotel and travel ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX
Consumer complaint received 2022-04-19
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. (CA)

In accordance with the Fair Credit Reporting act Credit management LP Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-26
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. (NJ)

Below are fraudulent accounts and inquiries reported to my Transunion credit report. Accounts : XXXX XXXX, XXXX XXXX XXXX XXXX  negative balance {$5000.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Store credit 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. (GA)

Pursuant to 15 USC 1666d, Comenity Bank must credit my account the amount of its credit balance in excess of {$1.00} : Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

Pursuant to 15 USC 1605, a finance charge is the sum of all charges however Comenity has failed to disclose this to me and I am due a refund of any payments I made. 
( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.
Consumer complaint received 2022-04-19
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. (MS)

In accordance with the fair credit reporting act the account below Has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681 XXXX  Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  XXXX has violated my rights 15 USC 1682 section 602.A States XXXX have right to privacy 15 USC section 604 A.section 2 it also states a consumer reporting agency Can not furnish A account without my written instructions
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I made a larger payment against a bank of america mastercard from my bank of america checking account on Friday XX/XX/XXXX for {$1100.00}. Leaving Tuesday on a trip. No where on the bank website does it state that the payment will be held for 7 days. I am leaving on a trip on XX/XX/XXXX and was told today after waiting on hold for 47 minutes on their customer service line that there was nothing the manager could do to release the hold. The irony is that this is also a secure credit card with a savings account to back it. The manager gave no explanation of why 7 days. After all it was drafted from a bank of America checking account and posted against the available balance on XX/XX/XXXX. I am now being told that the funds are being held until Friday XX/XX/XXXX. The bank is illegally holding my funds to earn interest without explanation. I want the funds released immediately.
Consumer complaint received 2022-04-19
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)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX, XXXX and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}.
Consumer complaint received 2022-04-19
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 has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}
Consumer complaint received 2021-08-25
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. (FL)

I filed a complaint against Equifax. Complaint # XXXX. Equifaxes response did not address my complaint. There is no way Equifax read the complaint and responded how they responded. I want Equifax to respond to the complaint with an answer that actually address the complaint. They did not address the issues in my complaint instead they responded with a generic answer. I honestly believe Equifax loves to give away money. They have to because the only language they see to understand is a lawsuit. Equifax has been sued numerous times for the same issues that are in my complaint. Actually take the time to read my complaint and respond to the issues in my complaint. I want Equifax to justify why they allow documents, that the SC Attorney Generals office said were faked, to be used to validate the non existing debt that XXXX XXXX made up to scam me out of money. Address this issue. That is what my complaint was about. I did not say anything about errors on my credit report. I said Equifax is allowing documents that the SC Attorney Generals office already said are fake and if they were real do not meet the legal burden of proof need to validate this fake debt between me and XXXX XXXX XXXX. Equifax can address this issue here or address it in court when I file a lawsuit against Equifax. Explain why you ( Equifax ) say that documents that were ruled to be fraudulent by the SC Attorney Generals office verify this fake, made up debt that XXXX XXXX XXXX has submitted to you.
Consumer complaint received 2022-12-14
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)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (FL)

I received a call from a company claiming to be representing Check N Go stating that I had an outstanding loan that was taken out in XXXX of XXXX and that they are calling to collect the debt. This is totally bogas. It is XXXX and in 6 years this is when they start calling me. I have never heard of this check n go company before. They called me today XX/XX/XXXX from a Utah number. I dont know what is going on and it troubles me and I dont know what to do.
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

To whom this may concern : A debt was reported to my XXXX credit report in XX/XX/XXXX. I have tried numerous times to report to the collections company that has this debt in their reporting to my report that this debt does not belong to me nor does the is the address associated with the account ever been somewhere I have resided or know of. They have made numerous attempts since XXXX to contact me about this debt until finally late XXXX they stopped contacting me after I asked them to stop calling me and explained to me that I've trying to get them to remove the collection from my report for over two years now. I keep disputing the collection with XXXX and they keep validating the debt as mine with the collections company. The collections company reports on my report as Penn Credit Report for the amount of {$300.00} owed from the XXXX XXXX XXXX XXXX. I let them know that I do not reside in the XXXX XXXX XXXX and that my address as it is reported on my report is XXXX XXXX XXXX XXXX XXXX FL XXXX. I have tried numerous times to work with the company to prove the debt does not belong to me and that there must be a mistake but they will not work with me and are telling me the debt must remain on my report until it falls off. I am asking that someone from this organization help me find a resolution to have this inaccurate collection removed from my report.
Consumer complaint received 2022-04-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (KY)

Loan for Marcus Goldman Sachs, 36 months for {$210.00} @ 17 %. First payment was in XX/XX/XXXX. Auto pay so never missed. They have a program which you can defer a payment if you make XXXX in a row. I took advantage ONLY one time, XX/XX/XXXX which then extended my last payment instead of XX/XX/XXXX, would be XX/XX/XXXX. I have paid in XXXX payments leaving XXXX left. Amount would be XXXX x XXXX {$1000.00}. Yet as of this month, XX/XX/XXXX I still owe {$1300.00}. I know interest still accrued for XXXX, but seems {$300.00} + is high or amounts to an extra payment and a half. PLUS -- - from last month to this month I only earned XXXX cents towards the principal,. Im tired of the stay/work at homes, not very helpful and the one time I called, she didnt know, was gon na check, but got hung up on. Plus having problems -unable to look at my documents again online. 
" We will waive any interest incurred during the deferral, and extend your loan by one month ( you will pay interest during this extra month ) ''. Which would be {$300.00}! They should warn customers then of a possible high interest accumulation. 
P.S. I am shown to have a low credit score, ( possible?? ) but it is only because of my son making late car payment, which I am a co-signer.