davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

I opened the credit card and was told I could use the discount all day in store and online. That was not true. I then make payments through my online bill pay with my bank and they claim to have not received any payments. They started assessing late fees. I contacted the company and they said no payments received. I spoke to a rep and she told me to contact my bank and that I still needed to make payment. I contacted their XXXX XXXX department and spoke to someone and they confirmed that my account was closed without authorization as well as no payments being received. I had stop payments issued per my bank and paid the balance. They then cashed the check weeks later that they never received and issued a return fee for {$30.00}. Its unethical and needs to be removed. Attached is a statement from my bank showing the dates the payments went out. I contacted XXXX the second week of XXXX. They chased the payment after telling me they never received them and to issue stop payments or continue collecting fees
Consumer complaint received 2023-10-05
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

I have always payed my payment early. I have been paying extra payments. So that my loan is payed off. And was considering having more dental work once loan payed off. I have payed a total of XXXX payments for the month of XX/XX/2023. I looked online and it stated Im late for XXXX when i have payed triple payments for XXXX. This needs corrected. This could affect my credit score. I would like to buy my dream home. And this could affect me achieving my goal.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I was informed by Chase that an XXXX card had been opened under my name in XXXX of XX/XX/22. I contacted the bank the day I found this out. They blocked the account from charges and then opened an investigation. My first issue was that upon signing into my account ( I had a Chase Freedom card I also monitored ), I noticed that one day that the card was randomly reopened with the same balance. No notification and the card was actually reaccessible to use just as before. The bank did eventually notify me that they believed this was just a card that I opened. I explained to them that someone had utilized my social security number that day to attempt to also open a XXXX card but luckily I had put a freeze on my credit in time to stop that account from being opened. They again did the same exact thing ( Chase ). Blocked the account, opened another investigation. Until today, the account had not reappeared on my online banking statement. However, today, once again it is there with the balance of XXXX. If the bank had cared to contact me to request more information it wouldn't have been difficult to show my XXXX account in the timeframe without a charge for that amount. Upon further reviewing of old documents, it also appears that although the bank initially closed the account for safety, they took it upon themselves to reopen it by simply giving it a new number. This is apparently an XXXX XXXX. I have attached my complete purchase order history for XXXX to show I never made this purchase.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-25
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. (NJ)

There are accounts that are not mine on my report. XXXX XXXX XXXX {$23000.00} XX/XX/2021. XXXX XXXX XXXX {$12000.00} XX/XX/2021. XXXX XXXXXXXX XXXX {$87.00}, XXXX XXXX {$30.00}, XXXX XXXX {$30.00}, XXXX XXXX {$4.00}.
Consumer complaint received 2023-02-25
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. (FL)

EQUIFAX MORTGAGE SOLUTION ( EQUIFAX MORTGAGE SERVICE ) labeled Miscellaneous meaing of various types or form different sources. I did not give any authorization for the process of that, different sources unknown using my XXXX information for applications etc. I applied for mortgage loan with XXXX this is an Act of an Privacy Breach, there is no reason i shall have inquiry from EQUIFAX based on mortgage service. Resulting in other mortgage services having inquiry on my credit file as well.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (TN)

Recent hard pull on credit file. Their website strictly states soft pull, got a preauthorization, then when calling to check on info, I did not sign or authorize anything, nor asked, for the hard pull, told what I needed to submit, told them I would get back with them, then seen on credit report, I already have an account with this company and was looking into adding more funds.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Account shows it was opened on XXXX XXXX its showing as a charge off and its not the company agreed to remove off of my credit report due to fraud XX/XX/2021 and its still on my credit report!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have ACCOUNTS passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate the accounts listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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)

The accounts listed below has violated 15 U.S.C 1681, section A. states I have the right to privacy, U.S.C 1681, section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C. 1681c ( aX5 ) section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse items or information, other than records of convictions of crimes which antedates to more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reason to cause to believe that the information is inaccurate.

The accounts below violate my right to privacy, and were reported to the consumer without my instructions, they also contain adverse information. 
XXXX ). XXXX ACCT # XXXX, XXXX ). XXXX ACCT # XXXX XXXX ). XXXX ACCT # XXXX XXXX ). XXXX XXXX ACCT # XXXX XXXX ). XXXX XXXX ACCT # XXXX XXXX ). XXXX OF XXXX ACCT # XXXX XXXX ). XXXX ACCT # XXXX XXXX ). XXXX XXXX ACCT # XXXX XXXX ). XXXX XXXX ACCT # XXXX XXXX ). XXXX XXXX  acct # XXXX ( XXXX  ) XXXX ). XXXX XXXX acct # XXXX XXXX  XXXX  XXXX ). XXXX XXXX  acct # XXXX XXXX  XXXX ). XXXX XXXX  acct # XXXX XXXX  XXXX  XXXX ). XXXX XXXX  acct # XXXX XXXX XXXX  XXXX XXXX  XXXX ). XXXX XXXX acct # XXXX XXXX  XXXX  XXXX ). XXXX XXXX acct # XXXX **** XXXX  XXXX ). XXXX  acct # XXXX XXXX ). XXXX XXXX acct # XXXX XXXX ). office of the attorney general ( child support ) more than 7 years and paid Acct # XXXX, been on report over 11 years inaccurate
Consumer complaint received 2023-02-25
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)

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, CA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$780.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX Balance : {$8.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$20.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00}.
Consumer complaint received 2023-02-25
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. (CA)

I am writing to file a complaint against XXXX, XXXX & Equifax the major credit reporting agencies in the United States. I have recently gone through a dispute process with XXXX regarding inaccurate information on my credit report. Despite providing them with evidence that clearly showed their violation of 15 USC 1681i, XXXX, XXXX & Equifax failed to conduct a proper investigation and continued to report inaccurate information on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information they report about consumers is accurate and up-to-date. When a consumer files a dispute regarding inaccurate information on their credit report, it is the duty of the credit reporting agency to investigate the dispute and ensure that the information is corrected or removed. 
In my case, I provided XXXX, XXXX & Equifax with proof that the information they were reporting about me was inaccurate and in violation of 15 USC 1681i. However, despite this, they failed to conduct a proper investigation and continued to report the inaccurate information on my credit report. This has caused me significant harm and has made it difficult for me to obtain credit or loans. 
I am therefore requesting that the CFPB investigate this matter and take appropriate action against XXXX, XXXX & Equifax for their failure to comply with the FCRA and 15 USC 1681i. I believe that XXXX, XXXX & Equifax actions have violated my rights as a consumer and have caused me significant harm. I am also requesting that XXXX, XXXX & Equifax delete the inaccurate accounts on my credit report and take steps to ensure that this does not happen to other consumers in the future. I have evidence once again provided below with the violations and inaccurate reporting that XXXX, XXXX & Equifax still chooses to report and a complaint filed with the XXXX against them. Accounts as follows XXXX XXXX XXXX Acct XXXX XXXXXXXX, XXXXXXXX XXXX Acct XXXX XXXXXXXX, XXXX XXXX XXXX Acct XXXX XXXX & XXXX XXXX XXXX Acct # XXXX. These accounts ar earill repeoting In violation and not marked as disputes nor have some of the accounts been updated with the present date when experian said the accounts have been verified and updated
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/2021, I received a fraudulent charge of {$33.00} on a virtual card number of my Citi credit card which was allegedly from XXXX. The charge posted on XX/XX/2021, and I called XXXX and received a written statement that the charge was not initated by XXXX. 

I then called Citi on the same day, and they issued a conditional credit for the amount of the fraudulent charge. I also requested that my card number be reissued due to the fraud. 

On XX/XX/2021, I received an email from Citi requesting additional evidence on my end regarding the dispute. I forwarded them the response from XXXX that I had received earlier. 

However, on XX/XX/2021, I received a notice XXXX attached file XXXX XXXX ) that Citi has reversed the credit and determined it to be " customer responsibility ''. They mentioned that there were more details in the documents section of online banking. However, the notice there included no information about why this was done, or what evidence did the fraudulent merchant provide that showed that I had made the purchase.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES XXXX MY ACCOUNT ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-10-25
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. (NY)

I have ACCOUNTS passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate the accounts listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX