davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

I bought a t-shirt for {$20.00} from XXXX and had problems setting up auto-pay. In the end I paid the balance off and called to close the account. I was told this was taken care of so I cut up the card. 

I have continued to be billed for various bogus charges, late fees, etc., and have been unable to get anything done despite massive effort over a long period of time.
Consumer complaint received 2023-02-22
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IN)

fair collections and out is reporting and account that was paid proper to it being sold, ive advise they refused to validate with company so I paid it a 2nd time and was told it would be removed that was in 2017 and they haven't made any attempts to resolve issue which is affecting my credit report.
Consumer complaint received 2022-05-23
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SinglePoint GI (TX)

A representative from General Revenue Corporation contacted my employer on XX/XX/2022 at XXXX XXXX  and demanded the front desk provided them with my full contact information and verification that I worked for my employer. When the front desk worker refused to acknowledge any information until the caller provided their name and reason for the call, the debt collector, according to the front desk worker, began to become " hostile '' and " uncomfortably persistent ''.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-09-19
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: Experian Information Solutions Inc. (TX)

I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2022-05-18
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. (FL)

Experian XX/XX/2022 I need clarification as to why you are reporting certain information on my credit report. Please review the following : Account name : XXXX XXXX XXXXccount number : XXXX High credit is lower than balance. Delete for inaccurate reporting. 

After you have finished my request, send me a copy of my credit report reflecting these changes XXXX XXXX
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (MD)

A long story short, when I entered university at the age of XXXX, financing school was difficult because I was a minor. My parents participated in the a program prior to me graduating high school to front the cost but still needed to take out a Parent Plus loan. All other schooling was for paid out of pocket. Never did I physically sign a document at XXXX binding myself to a loan, mainly because that is illegal. Last XXXX, I ran across an email from Nelnet stating my student loans were kicking in. Honestly, never took out a loan and thought it was a scam. I ended up contacting the company on multiple occasions to discuss this discrepancy. I not only reached out to Nelnet but I also contacted XXXX XXXX XXXX. I spoke to a handful of people and requested a mater promissory note from both institutions. Nelnet finally sent me the note via emails on XX/XX/XXXX. I am still waiting for documentation from XXXX XXXX. Even with the documentation, I was under the age when the loan was taken out in my name. It should not be in my name and it should not show up on the credit report at all since the institutions were difficult.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (GA)

Chase Bank contacted my sister about a debt. My sister lives in different state that me. They have been repeatedly contacting her and I never gave them permission to contact or her or her contact number.
Consumer complaint received 2023-10-01
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2019-07-30
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I WANT TO HAVE THIS MATTER RESOLVED AS SOON AS POSSIBLE SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

I signed up for a Home Depot credit card. Stupidly, I gave Home Depot ( actually Citibank ) my social security number. At the beginning of XXXX Citi dunned my account when I had previously set-up the account for auto pay from my local bank. When I went to Home Depot and tried to buy with the HD card, I could not. When I called the credit card nbr, I reminded the rep that I had requested auto-pay. Citi promptly and correctly took an amount for that billinig cycle. But I have heard from XXXX XXXX that this type of mini-fraud occurs often. 
Citibank as of today says it can not remove my SSN from its database. I asked Citi two days ago for my remaining balance to transfer to my local bank. I have not received it.
Consumer complaint received 2022-05-23
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. (MO)

In accordance with the 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 consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-23
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. (CO)

I submitted a letter via certified mail to Equifax on XXXX regarding two accounts that are reporting incorrectly. I received a response that the account was " verified '' but needless to say they did not correct the information that is a violation of FCRA regulations. 

Please see attached documents - I've included- My letter sent to Equifax XXXX Equifax 's response as verified, and a copy of my credit report for both accounts with the FCRA Violations highlighted. 

These accounts are both collections accounts, Per FCRA guidelines they can not report a collection account from a debt buyer as an " open Account '', nor can they report a " past due balance '' On the XXXX account- Reporting violations that need to be removed - Account type : " Open account ''. Past due- This is showing a balance and should be {$0.00}, Payment Status- reporting " late 120 days '' - remove this a collection can not be 120 days late. 

On the XXXX account- Reporting violations that need to be removed- Account type- Reporting " OPEN ACCOUNT " Past due - remove the balance it Should be reporting {$0.00} Payment Status- reporting " Late 120 days '' Remove this a collection can not report 120 days late. As you can see open the credit report they decided to add a RECENT 120 days late in XXXX XXXX  XXXX this is blatant carelessness and this account needs to be removed!
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (IL)

Wrong credit score by hundreds of points Im getting letters denying me of things I didnt apply for this is coming from consumer reporting agency & imfis incorrect I havent been late on any of my accounts & some accounts are popping up that are not mine Im not getting any positive reports
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

The Request for Mortgage Assistance was submitted on XX/XX/XXXX to CitiMortgage. Citimortgage confirmed receipt of the request on XXXX XXXX via email, hereto attached. A formal missing documents letter describing the list of documents needed to complete the package was not received within 30 days of the submission. Citimortgage has requested different documents over the span of 6 months rather than provide the client with XXXX concise list of pending documents as directed by HAMP and the CFPB. Citimortgage has not evaluated the client for HAMP within 30 days of receiving a complete package as required. On XX/XX/XXXX assigned representative stated the file was complete and in review. Citimortgage did not decision the loan yet again requested additional information on XX/XX/XXXX, then a different request for documents on XX/XX/XXXX and yet again another request on XX/XX/XXXX. Citimortgage has continued to request documentation in pieces rather than XXXX list of all required documents necessary to facilitate the review of the file for HAMP. The borrower 's review process has been unnecessarily been prolonged due to Citimortgage requesting seperate documentation of the span of going on 7 months. The client has another sale date scheduled for XX/XX/XXXX.
Consumer complaint received 2022-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I contacted Convergent Outsourcing regarding a collection that has been reported to the three credit reporting agencies. My first attempted to contact them was via phone. I was informed that I had to submit a letter to Convergent and on a document they sent me and I did but yet it is still on the credit report. The XXXX account in question was opened in XXXXXXXX XXXX XXXXXXXX. I do not use XXXX and have not for over 10 years. My cellphone provider is XXXX and I am my daughters phone plane and have been for many years. 
I have called Convergent Outsourcing on XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, and XXXX XXXX. I contacted XXXX and spoke with XXXX and was informed that the accounts were closed and my credit report would be corrected I am still waiting for this to happen. 

Convergent Outsourcing Account XXXX XXXXXXXX 
Amount {$930.00}
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A. (CA)

Citibank billed me for a balance transfer check in the amount of {$920.00}. I never wrote this check, so I called them to complain about this fraudulent and they sent me a new card and said they would reverse the charge. The next statement shows a balance transfer fee for {$36.00} - this is 4 % of the balance transfer they said they would reverse. Why is Citi charging me a fee for a charge that I never made? Upon contacting their online representative, I was told I need to get on the phone with their call center for a third time. please have them do the right thing without havign to talk to a person every few days.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-03-07
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. (OH)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my SSN Card.
Consumer complaint received 2018-09-26
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. (FL)

I am filling a Complaint against XXXX XXXX XXXX for InCorrect marks on my credit file This car was total loss XX/XX/18 and I had full coverage insurance the insurance paid them They received a check from the insurance company and I do not have access to this car the car is not in my possession the car is in XXXX XXXX possession and they have reported to Equifax I have not made a payment on a car I No longer have this is fraudulent information being reported on my report this is against the law