davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

The card I am submitting a formal complaint about was issued by Comenity Capital Bank through XXXX - originally a {$350.00} limit card when first opened. Covid-19 happened and I had a job loss. I have attempted for over a year with Comenity Bank, asking for a detailed, itemized forensic reports, Covid-19 " relief '', negotiating a pay off amount, etc. and it's ALWAYS the standard answer of " please give us a call to discuss your matter ''. When calling you can not get through. Many letters sent on my side, as I prefer to have things in writing, and I have stated that each time. No communication other then one letter and vague messages back and forth on their website platform. Now, my bill has rocketed to {$1300.00} with no amorritization, nothing. The card was closed in XXXX of 2020. I paid monthly for their " account assure '' in case of job loss, but since there is no transparency of fees or anything, I'm not sure what was applied. I sent them all of my EDD paperwork to process for payment from account assure as well. I tried to resolve the issue through the XXXX and it just keeps slipping through the cracks and getting larger every month. This treatment isn't fair at all, especially at a time like this. I am willing to pay the {$350.00} from my original bill, but that's all. I feel that they have taken advantage of customers during this time and they are not following the Covid-19 relief laws that were put in place in California. Thank you.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These accounts are closed and were sold to another lender. I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXXXXXX BANK they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX i do not have a contract with XXXXXXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-02-10
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. (CA)

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 2024-03-13
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. (KS)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

This company is hindering my credit score by posting a fraudulent collections account on my credit profile. From a company I've never did business with. I've never lived at that address. I don't have any identification from that address. The address for that account isn't even on my credit file. I've asked them several times to remove the fraudulent account to no avail. They posted the same account multiple times drastically decreasing my score. They can't verify this account because it is fraudulent. They are in direct violation of the Fair Credit Reporting Act. They must remove inaccurate and unverified information from my credit file within 30 days. If you look at their XXXX reviews you will see this company Sequium Asset Solutions have a 1.6 rating out of 5 with over 380 reviews. Majority of the reviews are on their fraudulent and illegal practices.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-12-13
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. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine and accounts that were never late. 

I have attached a 30 day violation notice sent in response to this credit bureau not responding to a dispute letters sent via certified mail on XX/XX/XXXX.  I have also attached a IDENTITY THEFT report that is in direct relation to the accounts that I am disputing as not mine. 

I have several residential addresses appearing on my credit that are not mine.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Equifax to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (FL)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2020 I called all three Credit bureaus. I notify them that that was information my credit report regarding medical bills that were not mine. I spoke to the fraud department of all three girls and they advised me to call the creditor because they were not going to remove it without consent from the creditor.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

So many overdrafts and money come in every month I'm on fixed income and I'm XXXX unable to work so fees come in and posted to my account and eat up all my bill money and food I am a XXXX XXXX  of XXXX and my XXXXXXXX XXXX XXXX  I can't afford and I been with them XXXX and just last XXXX  years fees been outrages
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC is attempting to collect an alleged debt not owed to LVNV FUNDING LLC by me. See attached letter and proof of contact. LVNV FUNDING LLC shall immediately cease and desist any communication with me in the attempt to collect any debt. I plan to exercise my lawful constitutional rights should LVNV FUNDING LLC communicate with me in the attempt to collect any alleged debt. 
SEE ATTACHED LETTER TO LVNV FUNDING LLC.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 I was approached at a Chase ATM and forced to deposit a fake check. It was after hours and the doors were not locked at that branch, allowing anyone to walk in even if they did not have a Chase card. The man in question took {$560.00} from my account and fled. 

I called Chase right away and filed a police report. The next day I complete an affidavit of fraud and submitted it to Chase as well. They said they would investigate and they gave me my money back. 

Now, three weeks late they have taken the money back and denied my claim. Basically, they blamed me for what happened and claim they are not liable. I was in their ATM at their bank and I am not being believed for being robbed. I am out of {$560.00} and can not pay my bills. The customer service was horrible and they blamed me for what happened.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

on XX/XX/2021 booked a rental car on XXXX to pick up at XXXX XXXX XXXX at a company called XXXX, the booking was for XXXX. my flight from XXXX XXXX to XXXX landed at XXXX on XX/XX/2021, I tried to contact this company on my phone and I was always getting a machine or automatic voicemails I was unable to communicate. I tried multiple times and they never picked up the phone. they sent me a text message around XXXX saying that I was a no show that I have to rebook with XXXX when I checked the same company was not available so I ended up using a known company called XXXX which I booked and picked up the car after loosing a a couple hours at the airport. A few days later I noticed that XXXX charge me {$270.00} so I disputed the charge with Capital one and they credited me for the amount but in XXXX they charged me back as XXXX supposedly provided screenshots and evidence that they did all correctly. I resent all my info to Capital one to appeal the case providing new evidence with dates and time and capital one said the case is closed they can't help me because XXXX closed the case and they can not do anything else. 

I will be providing some screenshots with my phone call records of my phone company with all the calls attempts...
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. FTC attached XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. FTC attached XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. The attached documentation further explains my claim.
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (PA)

Firstpoint Collections moved without providing an address to the credit bureaus, I sent a dispute letter directly to them, which was returned to me because it was the wrong address, which I got from my XXXX  report! This is totally wrong! I belive this is a violation of my rights granted under the FDCPA
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (TX)

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. 

XXXX XXXX XXXX Account # 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 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 XXXX 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 2024-02-21
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. (MN)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

I have attached a letter to XXXX XXXX XXXX outlining potentially illegal activity that they have engaged. They have not validated an alleged date, failed to provide any written communication to me as well as reported to all credit bureaus without due process and following the law. 

I have filed disputes with all credit bureaus and sent them the attached letter. This reporting is meant to document the letter sent for a formal response given the appearance of their disregard for the law.
Consumer complaint received 2019-12-20
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. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

On XX/XX/2021 my HOA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX sent all the residents in my building a letter stating that Flood Ins for our units have changed from an XXXX  to XXXX. Therefore, we were no longer required to carry flood Ins. I sent the letter to my Mortgage Company PNC, along with the Flood Certificate, showing that the XXXX Community number on the flood map is the same as the new Fema Map # is XXXX XXXX, which shows that my property is now located in flood zone XXXX and Flood Insurance is no longer required, per FEMA. Per PNC Bank, the want a XXXX Letter, which I can not obtain. PNC will not accept the new FEMA MAP or the Flood Cert that was provided to me by XXXX XXXX XXXX. PNC is now requiring for me to obtain Flood Ins or they will put forced placed Flood Ins on my home. I can not afford to pay for Forced Placed Flood Ins. By doing this, this will cause my mortgage payment to increase considerably, which will force me to sell my home or go into foreclosure. My HOA paid the flood Ins for my property in the past, but dropped it, due to the new Fema Map. There is 6 units in my building, I am the only person that has PNC and the only person required to carry flood Ins. This is just ridiculous, and I can get no where with PNC. PNC is not fair and is ignoring FEMA.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I did not give these companies writing consent for this reason! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-20
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-20
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. (TX)

I have enclosed a copy of the FTC Identity Theft Affidavit and section 605B of the Fair Credit Reporting Act ( FCRA ), which details very clearly what exactly Credit Bureaus responsibility -- that being THAT Credit Bureaus ARE to block fraudulent misinformation AND/OR UNPROVEN INFORMATION on my credit report resulting from inaccurate, unauthorized, and/or unverifiable information including any such identified items of misinformation that is disputed in writing, up to and including but not solely limited to fraud and/or identity theft. 

Recap : FTC Identity Theft Affidavit, Cover Letter, FCRA 605B BLOCKING LAW, Fair and Accurate Credit Transactions ( FACT ) Act of 2003
Consumer complaint received 2024-02-21
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. (OH)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX