davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (LA)

I am disputing charges in the amount of {$71.00} charged to my XXXX credit card for the following reasons : In XX/XX/XXXX I purchased three ( 3 ) XXXX  gift cards w/ my XXXX credit card. I subsequently tried to use the gift cards at a local XXXX  store in XX/XX/XXXX, but was told that due to the fact that XXXX stores were going out of business, the cards would not be accepted for use by XXXX stores. I initially sent correspondence to Comenity Bank disputing these charges on XX/XX/XXXX. I am enclosing copies of this correspondence and gift cards along with customer receipts showing each of the balances totaling {$71.00}. I paid out the valid XXXX  credit card debt I owed to Comenity Bankd and disputed the gift cards I purchased totaling {$71.00} due to the fact that I was unable to use them. I have written the XXXX credit card company, namely, Comenity Bank, on multiple occasions advising of my dispute and requesting a chargeback on my account. I have also requested that Comenity Bank refrain from accessing me w/ late fees, penalties, interest, or damaging my credit without good cause and without notifying me in writing. I received correspondence from Comenity Bank on several occasions advising me that they were investigating my dispute. The last correspondence I received from Comenity Bank is dated XX/XX/XXXX advising they are handling everything related to my XXXX credit card account and advising they do not have detailed transaction information in reference to my purchase. I provided this information to Comenity Bank on several occasions and again on XX/XX/XXXX ( most recent ). On XX/XX/XXXX I received a telephone call from a representative of Comenity Bank advising that I was overdue on my XXXX credit card payment and that if it wasn't paid it would be placed in collections which could negatively affect my credit. I informed the Comenity representative that the amount she was referencing was in dispute. The representative responded that the dispute was resolved and that I needed to pay on the account immediately. I have never received any documentation from Comenity Bank informing me that the dispute was resolved and that if I didn't pay it my credit would be damaged. Shortly after this telephone call I receive a text message from Comenity Bank advising that I needed to call them regarding my XXXX credit card. I have tried to resolve this dispute w/ Comenity Bank over the last six ( 6 ) months and have never received any explanation ( whether oral or written ) from Comenity Bank as to why I would owe money for goods I purchased, but never received. I am requesting assistance from CFPB in resolving my dispute w/ Comenity Bank .
Consumer complaint received 2020-12-29
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. (OH)

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XX/XX/XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Consumer complaint received 2015-05-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I personally have not opened a bank account with Bank of America. I have not made any transaction on a Bank of America account. I have not called or interacted with any representative of Bank of America to open the account that has been reported with my name. There are no other accounts anywhere with my name other than this account that is currently being reported on the Consumer Report bearing a balance that is due which I had no knowledge of nor did I participate in incurring. I found out about this account when I went to Bank of America inquiring on the opening of a XXXX Account.
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2 (CA)

In 2020 during Covid I was working with A debt consolidation company named " XXXX '' to pay down my credit card debts however due to how the payments were set up a credit card was sent to collection. XXXX, the credit card company, was in talks with XXXX and was sent to collections and there was an agreement made with the Collections company XXXX. However, there was confusion in the contract because the name of XXXX was later found to have changed to XXXX Bank. In the contract, I was told that the collection would be removed once paid. However, once all the payments were finalized, I reached out to both of the companies and they both are saying they can not remove the collection. No action was taken on either part.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (GA)

On around XXXX XXXX the manager of my job brought in an envelope with garnishment papers. A company by the name of Velocity Investments has purchased an old debt an garnished my wages. I then attempted to contact the person who was suing me. I reached out via phone to XXXX XXXX to see if the garnishment could be stopped, XXXX XXXX proceeded to tell me that he would not work with me and then hung the phone up in my face. I then began to send emails only to be in contact with XXXX who then told me that he was the only person who could make any decisions on my issues. After going back and forth with XXXX XXXX and begging him not to garnish my wages he then proceeded to contact me three days later to ask for XXXX and then he would work out a payment plan. After explaining to XXXX XXXX I could not afford that amount, he told me that was the best he could do and good luck. The original debt was XXXX but after court cost and other fees I am now paying XXXX to someone whom I never had any contact with, I never gave anyone permission to give my name, address ( Which is incorrect ) and this is why I have never received anything from XXXX XXXX or his company. XXXX XXXX is now taking 25 % of my wages and it is hurting me because the cost of living is high and that amount every payday is hurting me.
Consumer complaint received 2018-03-01
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2020-12-29
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. (NV)

I am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ...

I have properly notified Experian, XXXX  and XXXX  regarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any information ...
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

PORTFOLIO RECOVERY was notified verbally not to call. Still receiving repeated unwanted calls daily. Immediately hangs up upon phone answer. 



Calls are usually around the same time in the day. 


XX/XX/20 XXXX XX/XX/20 XXXX
Consumer complaint received 2019-12-12
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. (PA)

Tonight I called XXXX XXXX dispute department requesting for Hard inquires to be remove from my transunion credit report, they have no information on file about me, was very rude telling me to contact transunion which I already did. no permissible purpose and unauthorized. 
here 's my credit inquires from XXXX XXXX/XXXX  Inquiry from XX/XX/2018 XXXX/XXXX  Inquiry from XX/XX/2018 here is there dispute info XXXX/XXXX   XXXX XXXX, SD XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against Experian regarding their failure to investigate the inaccurate items listed on my credit report, despite my documented efforts to rectify the situation. On XX/XX/XXXX, I sent a certified letter via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Experian, requesting an investigation into items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. Despite diligently providing all requisite information and adhering meticulously to the channels mandated by the Fair Credit Reporting Act ( FCRA ), Experian has regrettably failed to acknowledge or address my dispute within the stipulated timeframe. I've spared no effort to uphold the accuracy of my credit report and safeguard my financial reputation. However, Experian 's lack of response and apparent disregard for my consumer rights became evident due to their failure to provide investigation results within the expected period. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to XXXX as proof. I am now demanding Experian immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION (NC)

I closed the account credit card OPORTUN and paid the amount that I owed them later I received a statement with a late fee payment to make because they received the payment one or two days late. I told them that the mail in XXXX takes longer and I sent my payment on time, also that I got affected by the coronavirus and have no job. I paid my debt in total but now they want me to pay them more after I closed the account.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. I ended up finding out several weeks later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact, I had an XXXX credit score! Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports but I have not received my reports from TransUnion and XXXX XXXX XXXX even though I have ordered them at least 3 times since XX/XX/2020.
Consumer complaint received 2024-02-22
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 perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-29
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. (OH)

My name is XXXX XXXX DOB XX/XX/86. I have been impacted with COVID SINCE XXXX! I HAVE BEEN IN CONTAXT WITH XXXX WHEN NOT on oxygen as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for COVID AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM COVID AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS 33 POINTS! WHY?! BECAUSE XXXX  REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX  XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO! 

THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING COVID IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR COVID ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN! 

I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM COVID BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NV)

I am writing to formally dispute the inaccurate reporting of late accounts on my credit report, which violates compliance with the law. Despite numerous attempts to rectify the situation, the late accounts remain inaccurately reported. This not only undermines my creditworthiness but also violates consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to address the recent late payments on my account with XXXX  XXXX and XXXX XXXX. As a valued customer, I understand the importance of maintaining timely payments, and I sincerely apologize for any inconvenience my late payments may have caused. XXXX  XXXX XXXX and XXXX XXXX XXXX