davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX 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 consume reporting agency can not furnish a account without mt written instructions.
Consumer complaint received 2022-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days I request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (SC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXXXXX : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX  OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; OXXXX XXXX XXXX ( Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days I request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (CA)

That comes billing me for the third time Ive been billed by XXXX XXXX who continues to send my bills to a different collection company because they dont know how to build my insurance company and if you go on the portal for XXXX XXXXXXXX that shows I dont have a balance so I dont understand why they keep telling me. 


I think both XXXX and can get their act together and knock it off and stop trying to bill me for something that's either paid or they need to collect new insurance coverage.
Consumer complaint received 2022-06-01
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. (AK)

Ive disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) several times, It was removed from a previous dispute back around XX/XX/2022. I was not notified of any new documents or anything for them to add it back to my credit report per credit reporting guidelines. Yet Equifax will not remove it and follow credit reporting guidelines
Consumer complaint received 2022-06-01
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. (CA)

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 XXXX has me at a score around XXXX. 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 XXXX 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 im extremely frustrated.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (CA)

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 XXXX has me at a score around XXXX. 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 im extremely frustrated.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. violated my rights 15 U.S.C 1681 section 602 A.states I have right to privacy. 15 U.S.C 1681 section 604 A sectin 2 It also states a consumer reporting agency can not finish a ccount without my instructions.
Consumer complaint received 2022-06-01
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: SYNCHRONY FINANCIAL (GA)

on XX/XX/2022 I received a letter from a creditor I have by the name of Synchrony Bank ( XXXX XXXX XXXX ). The letter stated my account ending in XXXX have been reviewed and I was denied a credit increase due to their decision based upon my XXXX credit report. I immediately called Synchrony Bank at XXXX the next day XX/XX/2022 at XXXX am est with customer service rep named XXXX. I then told her I didn't request a review of my account, who did, why did they pull my credit without my authorization which is illegal and because off their review they also decreased my credit limit and I asked why would they do that as well with me being unaware of any of this. XXXX stated they do reviews once every XXXX months. I told her that was illegal then XXXX stated it was in the terms and conditions of my cc contract. I told I have never heard of that and it is not anywhere in my contract. This unauthorized inquiry has affected my credit score and is against the law per CFPB
Consumer complaint received 2022-06-01
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. (MO)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX 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 ) ; Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-01
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. (NY)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Credit Limit {$5000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4800.00} ), XXXX XXXX XXXXXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-17
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

On XX/XX/XXXX, an account on XXXX requested that I send them {$850.00} through Zelle to secure a purchase. Payment was sent XX/XX/XXXX through Zelle, via XXXX. Purchased item was meant to arrive XX/XX/XXXX, which did not occur. Immediately contacted XXXX to cancel the payment, which seemed to have already been processed and received by scammer.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (CA)

I have opened a charge account with " Chim Bank ''. it is NOT a credit card. But it supposed to report to the credit bureaus to improve the credit score, the reason why i applied for this account. But unlikely, it destroyed my credit score. 

Because the Term " Balance '' in the credit card system means we as the consumer are owing some money to the creditor, which the higher, the more negative ; but when we come to the debit cards, the word " Balance '', means the money that is sitting in the customer account, which the higher, the more positive. 

So this account currently reporting the money that i have in my account, as a debt, as a " Balance '' under its negative definition as mentioned above.

this is showing a high utilization on this account, which has dramatically decreased my credit score. I called the credit bureaus, and the bank several times. but seems that Chime bank people are not familiar with the credit report system, and kept reporting my MONEY under the Balance Category instead of reporting it under the LIMIT category.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-01
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. (NJ)

When I reinvestigated my credit report, I realized there are remaining information were reported as erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$860.00}
Consumer complaint received 2022-06-01
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. (NY)

In accordance with the fair credit reporting act XXXX account XXXX has violated my rights. 

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

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 any reason.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXX**** Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX. 

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 2022-06-01
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: EQUIFAX, INC. (TX)

I recently received a copy of my credit report from XX/XX/2022 and have found that my rights have been violated in accordance with the Fair Credit Reporting Act. 

15 U.S.Code 1681 Section 602 A. states that I have the right to privacy. Furthermore, 15 U.S.Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : XXXX. XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXX for {$88.00} 3. XXXX XXXX XXXX XXXX for {$100.00} 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. An unnamed medical account XXXX 7. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-06-01
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. (MA)

In accordance with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXXXXXXX**** Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

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 2019-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I had a store card that was financed through Comenity Bank. I always pay my bills online but this card I never could, so I would have to call in to pay. In XXXX, I was one day late and then got a bill for {$22.00} in late fees and interest. So, I called into pay this late fee bill that I only just received and discovered I am late again and next month will have another higher late fee and interest charge on this interest fee and late charge. I called and was told the reason I can't pay it online is because, while I am registered with the store website, I am not registered with Comenity. In order to register with Comenity, they need to send me something in the mail. Which no doubt will make my next late fee late. This to me appears to be a scam. They should not be allowed to send bills late and then demand exorbitant late fees. Please stop these unfair practices.