davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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: Bread Financial Holdings, Inc. (MI)

XXXX credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
XXXX has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX accounts XXXX XXXX  accounts and Ulta Commenity WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In or about XXXX of XXXX I received notice that Capital One was closing my credit card account. On or about XX/XX/XXXX Capital One issued me a check for the balance of my security deposit ( This was a secured credit card ) less the balance that was to be paid off. 

On or about XX/XX/XXXX I received word that I had a balance on my card. Now, at about this time I was out of the country so I just made a quick payment, thinking that I just forgot to pay it, somewhat forgetting that I had received a check with the remainder of the balance. 

Since then, I've looked into this more and realized that my account had received multiple charges in XXXX all the way into XXXX of XXXX. Now, my account was CLOSED. I did not close it. Capital one Closed it. So in my eyes, I had no balance, I had forgotten about this card, and now my credit score has tanked because I've missed payments. But, again, the account is CLOSED! So why are charges being made to the account???? I did NOT authorize any charges after the account was deemed CLOSED by the bankl
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX XXXX account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on these accounts.
Consumer complaint received 2024-01-31
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. (FL)

Recently I found some account and inquiries which I never autorize. For sure all of them are froud and must be remove from my credit report as soon as you can. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. CC : Federal Trade Commission, XXXX XXXX XXXX XXXX, Washington , DC XXXX Office of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX Advocates for Fair Credit Reporting Department of Banking and Finance
Consumer complaint received 2024-02-26
Product: Credit reporting 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company XXXX is misreporting the credit history for three accounts : XXXX. The account reported on time payment on XX/XX/XXXX and the next month it is 90 days late. In XX/XX/XXXX it is reporting on time and the next month it is 90 days, then 120 and lastly 150 days. 

In accordance with the fair credit reporting act XXXX Account XXXX XXXXXXXX, 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.
Consumer complaint received 2022-09-04
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: CLGF Holdco 1, LLC (WI)

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 any purpose.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (CT)

I received a debt collection notice regarding a bank I do not have an account with XXXX XXXX  ), I believe this is a fraudulent mailing- dated XXXX XXXX from ERC XXXX XXXX XXXX XXXX XXXX FL XXXX I am invited to 'pay with cash at XXXX and & - XXXX XXXX  '' in the amount of {$2500.00}
Consumer complaint received 2024-01-31
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. (NC)

I recently pulled a copy of my credit report and noticed that there are accounts being reported that I have no knowledge of or affiliated with. I contacted the credit reporting agencies in XX/XX/XXXX  via phone and XX/XX/XXXX  to notify them that someone was attempting to access line of credit in my name that I had not authorized. I ask for verification of these transactions. I pulled another report and now I see an account that I have never acquired. 
I have the right to privacy and furnishing accounts without my written consent is in violation of 15 USC 1681B I have researched these creditors and I have never had any accounts or applied for credit with these creditors, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX. Furnishing these transactions to my profile due to identity theft is in violation of 15 USC 1681 c-2 I have previously that any address I've never resided be deleted from my profile to prevent any further fraudulent activities
Consumer complaint received 2023-07-18
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. (NC)

Transunion is reporting information on my credit file that is from identity theft. I sent the police report and verification of my address. The information being reported is from halfway across the world in California. They will not send me verification of the debt or any document that proves the item being belongs to me. They are also refusing to remove it from J credit profile. I have XXXX collection accounts that are identity theft and transunion is not following the law by trying to verify the debt. I need those items removed immediately
Consumer complaint received 2023-07-18
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. (LA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal didn't let me settle negative balance for months which resulted to two of my linked accounts to get locked and hard-earned funds being seized. 

My main PayPal accounts XXXX & XXXX was locked because PayPal see they were linked to my older account which had a negative balance ( XXXX $ ) ( XXXX ) After months of calling PayPal, the support agent asked my full name, address and forwarded me to collections department, collections asked me what country i registered my PayPal account, then told me that i should use PayPal messaging on website to solve my issue. 

After sending them a money order to settle the negative balance, the negative balance on my old paypal account was cleared but after a month they sent me an email saying my account is locked and funds will be frozen for 180days. A month before I reached the 180days, PayPal moved the funds out of my account and claimed it as " Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. '' Both of my accounts had a total of XXXX Philippine Pesos or XXXX USD. 

They claim there is a violation then use that as justification to steal my money. All the money I acquired from both accounts are from the onlinegames I managed. Not casino online games, not dirty money but earnings from role-playing computer games where you level your character, and do some quest. 

P.S I'm from the XXXX.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.     I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.     For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know that i am  XXXX  about my credit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.
Consumer complaint received 2023-02-21
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-28
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. (GA)

My issue is with Experian allowing fraudulent information to remain on my file. I have presented legal documents such as ; police report, FTC identity theft report, .theft affidavit etc. I have ask for sign documents from creditors with my signature..They have not presented me with any proof that the following items contained in my credit report are in fact belongs to me ( XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) ..Experian have not done investigation as described in the FCRA involving identity theft..Someone have opened accounts perpetrating my identity, for several years I have tried to resolve this unfortunate incident with Experian.I was advised to put consumer statements on my file..However, this does not fix my issue..When trying to purchase a house for me and family ... A consumer statement on my file does not help..I need Experian to properly investigate these accounts or remove them permanently from my credit file..I demand proof such as, documents with my signature from creditors..Consumer 's have an unfair advantage when it comes to disputing information contained in there file, particularly fraudulent items..Contacting creditors and verifying information match what they have on file, is not an investigations described in the FCRA.. Credit bureaus have been getting away with falsely investigating disputes..Something needs to be done in reference to credit bureaus not investigating consumers reports..I am reaching out to CFPB to make people aware of how Experian does not investigate information properly and to have the foremention accounts removed from my credit file..Thank you for your time and attention in regards to this matter.
Consumer complaint received 2023-07-18
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

Last year XXXX 2016, I contacted Navient 's Office of Customer Advocate via phone and email asking them once again I 've hit some hard times if I can please make lower monthly payments ( that was based on the principal only because its a 12-month repayment plan ). After about 30 minutes on the phone I asked to speak to a supervisor because what the representative was telling me was not paralleled to other previous conversations with other representatives in the past. After about an hour on the phone with the supervisor he was blatantly disrespectful instead of helping me with a resolution I had to hang up the phone because he was not customer service valued. Through my frustration in getting no where I wrote the below email : Thank you for your timely response in assisting me to find a better solution for my private student loans. You are correct, I had recently discussed alternative repayment options with Navient Private Collection Department on XXXX XXXX, 2016 and XXXX XXXX, 2016. What was not communicated to you properly is that on XXXX XXXX, 2016 I spoke to a female representative and a male supervisor and the option of the {$460.00} was never presented to me period. Both proceeded to say that the only option was {$560.00} and even throw out an outrageous number. Instead of being patience with me because I was not being confrontational the male supervisor raised his voice with me and was extremely disrespectful in not helping me find a solution at all then He proceeded to verbalized comments that was out of line. 

Through out that time my co-signer was harassed through out the day. Navient said that I as the borrower did not want to make payments so its up to him ; which was a lie. They threatened him with wage garnishes, they somehow got a hold of his wife personal cell number and harassed her and they would call after my co-signer after XXXX. 

School : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TN)

I have a debt charge off reported on my credit report on behalf of  XXXX   XXXX  at  XXXX   XXXX  apartment complex. According to the complaint filed on the report I am delinquent payments totaling more than {$5000.00}. I moved from the above-mentioned apartment complex in  XXXX     2014 a nd was at the end of my lease term at that time, so I am unsure what the debt would be for. I have received no communication, written or otherwise, from either the apartment complex or the agency reporting the debt in that that three years so I given no opportunity to dispute the debt prior to it being reported as a charge off.
Consumer complaint received 2023-07-18
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. (WI)

On XX/XX/XXXX I told XXXX, TransUnion and XXXX that I had fraudulent inquiries. Due to bogus car lot in XXXX IL. Credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraudulent inquiries. I did not authorize. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
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. (IN)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IN)

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.