davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

Contacted Comenity Bank via secure messaging on XX/XX/XXXX ; no response received to date. 

PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of purchase. 

With respect to 2nd sentence above, Comenity is doing the exact opposite. Interest on Purchases and Interest on C/A detailed below. 

XX/XX/XXXX statement - Payment due by XX/XX/XXXX - Payment made XX/XX/XXXX XX/XX/XXXX statement - Payment due by XX/XX/XXXX - Payment made XX/XX/XXXX - ( {$35.00} + {$7.00} ) XX/XX/XXXX statement - Payment due by XX/XX/XXXX - Payment made XX/XX/XXXX - ( {$49.00} + {$15.00} ) XX/XX/XXXX statement - Payment due by XX/XX/XXXX - Payment made by XX/XX/XXXX - XXXX {$46.00} + {$10.00} ) XX/XX/XXXX statement - Payment due by XX/XX/XXXX - In process - ( {$38.00} + {$15.00} ) Please credit {$210.00} or explain.
Consumer complaint received 2020-04-03
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: MRS BPO, LLC (OH)

Around XX/XX/2019, we started getting numerous phone calls from MRS . I didn't recognize the caller, and the phone they were calling is mostly just a landline for the computer. At one point my wife had had enough and answered. She was told they were trying to collect a debt owed by someone with my name. She apparently talked to the " nice man '' for awhile and wrote down a number for me to call him back. Other than being mad that she even talked to this person, I know that I am not behind on any bill and that I have received nothing in the mail saying I owe anyone anything. I figured it was a scammer. I did not call the " nice man ''. They continued to call. I finally answered. I asked what it was about. They said debt collection. I told them that I am not even one month behind on ANY bill, have not been, and they obviously have the wrong person ( There are 2 or 3 people with pretty much the same name as mine in my town ). I told them it is not my debt and stop calling me. Never heard from them again. Now I see that my credit score has inexplicably dropped 100 points, so I check with XXXX. They list a collection put on my record at about the same time as I told MRS to stop calling. MRS is the collector, $ 1200+ for XXXX XXXX XXXX ( I haven't had an XXXX XXXX XXXX  account for as long as I can remember ). There was also an address for me in Indiana. Have never lived outside of Ohio. There was a variation of my SS #, they only show the last 4 digits, it was off by 2. XXXX  wouldn't let me dispute the address because " more than one creditor listed it for you '' The 2 " creditors are MRS BPO and MRS Associates, ONE creditor gaming the system to make it impossible for a person to correct their credit report until they pay extortion money, apparently. Since I'm not in need of additional credit any time soon, I'm not over their barrel. This was put on my credit report fraudulently, without any proper notification of any debt owed. How is it possible for these scam artists to place totally bogus information into someone's credit report? Shouldn't there be some type of alert sent when a new address, SS # or a collection account is put on an otherwise squeaky-clean report?
Consumer complaint received 2022-11-05
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX .... 
Balance : {$13000.00}
Consumer complaint received 2022-11-05
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/2022XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/2022
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TX)

About 6 weeks ago Goldman Sachs locked my Apple credit card. I called and inquired why this happened. No information was provided, they just unlocked it. 

About 2 weeks ago, once again the account was locked without providing me with any communication or reason. About a week later I got a notification that the account was closed. I called and again no information was provided. After waiting a few days I called again and they asked if I was deceased. I spoke with a supervisor who stated they would open a case. 

The card is still closed and they advised me that I had to call all 3 bureaus and dispute my deceased notification. I do not see any other deceased notifications but my XXXX is showing me a credit score of XXXX.
Consumer complaint received 2020-03-24
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 never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX XXXX XXXX  XXXX. I'm not responsible for this debt.
Consumer complaint received 2020-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This was never resolved is NOT A DUPLICATE COMPLAINT! THEY have not provided any proof or accurate verification therefore under the FRCA they must delete inaccuracy information from the report. This have not take place to date.They was more than enough time to gather the requested information and source. THIS NEED TO BE REOPEN or resolve immediately. Forwarding the complaint to the company is NOT acceptable. They need to take necessary action. Thanks in advance
Consumer complaint received 2020-03-24
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)

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : XXXX  Experian and XXXX. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : Experian and XXXX. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian and XXXX. I have no financial obligation with your company please delete this information from all credit reports like XXXX has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian, XXXX, XXXX XXXX I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and Experian I have no financial obligation with your company please delete this information from all credit reports like Equifax has done. 


5. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX and Experian. I have no financial obligation with your company please delete this information from all credit reports. 


5. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian I have no financial obligation with your company please delete this information from all credit reports like XXXX  and XXXX have done, for thsi account is and never has been mine
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

On XXXX XX/XX/2020 I submitted the proper printed form to request my ( 3 ) annual credit reports. Two agencies have complied. Experian has been negligent in complying with this request. The time frame of my last request was in excess of 18 months. During my last request again it was EXPERIAN whom disregarded the FCRA requirements. 
It would appear to me that Experian deliberately tries to avoid supplying citizens with their requested reports.
Consumer complaint received 2020-04-02
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. (DC)

Im writing to request assistance with a late payment reported by my XXXX XXXX XXXX XXXX credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the XXXX XXXX XXXX XXXX credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted XXXX credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.
Consumer complaint received 2022-11-05
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)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-24
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. (OH)

I recently submitted an complaint regarding Experian Investigation regarding their right to report inaccurate, errors, unverified information on my credit report. The E-Oscar method has to stop because it does not show if a " real human being '' is collecting data, investigating and providing a verified documentation on file with respect to 609 of the FCRA.
Consumer complaint received 2020-04-02
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. (DC)

Im writing to request assistance with a late payment reported by my XXXX XXXX XXXX XXXX credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the XXXX XXXX XXXX XXXX credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted XXXX credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NV)

I contacted Wells Fargo disputing the completeness and accuracy of a trade line that they are reporting to the consumer reporting agencies. I am requesting the amount of the alleged debt, and how it was calculated. I requested account ledger documentation to include : XXXX XXXX, file, account ledger, accounting and transactional history, and have not received it to date. They continue to report inaccurate and incomplete information to my consumer reports, causing me harm. Wells Fargo Bank has continued to violate my federally protected consumer and inalienable rights. XXXX causing subterfuge is unlawful to retain. The alleged debt was charged off by Wells Fargo Bank, which means they wrote off the debt as uncollectible and possibly received a tax benefit and insurance. They did not receive any loss or injury to their accounting system from this alleged debt, yet they continue to report this inaccurate information causing me harm and stopping me from being able to extend credit.
Consumer complaint received 2020-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

First I call TransUnion to dispute my Bk on my credit report. I call the courthouse and they tell told me they didnt verify with TransUnion ... Im requesting Method of their Verification.
Consumer complaint received 2020-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I opened an account with Coinbase on XX/XX/2020 and there were UNAUTHORIZED transactions that were done in my account that was just opened. 

I have emailed the company over 15 times and they only send a general email back stating they will look into the issue. I have repeatedly called the company over 20 times as well to complain about the fraudulent transactions. 

They debited my checking account at XXXX  XXXX XXXX in the amount of {$6000.00} and I have asked the Legal Department and Fraud Department of XXXX  XXXX XXXX to reverse these unauthorized ACH debits. 

Coinbase has sent phony documents to XXXX XXXX XXXX trying to stop them from reversing the {$6000.00} of unauthorized debits. I have been in touch with the head General Counsel of XXXX  XXXX XXXX and they have been in touch with the FBI. 

I have done everything possible to protect my interests and this alleged criminal behavior needs to be stopped.