davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (KS)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint concerning the charge-off entry on my credit report. Despite my repeated efforts to rectify this matter, the charge-off continues to adversely impact my financial standing. 

I have previously disputed this charge-off through your bureau and provided documentation supporting its inaccuracy. Despite this, the charge-off remains on my credit report. 
Requested Resolution : I request an immediate and thorough investigation into this matter to validate the accuracy of the charge-off entry. If found to be inaccurate, I request its prompt removal from my credit report. 

I also request a written confirmation once the charge-off has been corrected, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within the specified timeframe and provide a designated contact person for further communication. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-08-01
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. (MA)

XXXX XXXX XXXX XXXX, Account number XXXX. I have disputed this account with Equifax confirmation number XXXX as Fraud and provided Equifax with a copy of my Police Report. Equifax had not removed this this fraudulent account from my report
Consumer complaint received 2022-08-11
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)

In accordance with the Fair Credit Reporting act XXXX  account # XXXXXXXX XXXX XXXX ), account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), account # XXXX ( XXXX ) and account # XXXX ( XXXX ) has violated my rights. 

15 U.S.C. 1681 sec. 602A states I have the right to privacy.

15 U.S.C. 1681 sec. 602A sec 2 it also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since XX/XX/XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.
Consumer complaint received 2018-04-13
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: EQUIFAX, INC. (AZ)

Creditor Information XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX  Account opened ( NOT BY ME ) and used twice with no payments made disputed with XXXX and they would not remove because the account was used twice Opened in XXXX  2018 I believe. This is an account I have not opened or authorized to open and I can not even file a second dispute because they have not closed the first one. I has cost me 80 points on my credit score. Can you help please
Consumer complaint received 2023-01-03
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: BARCLAYS BANK DELAWARE (NY)

There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name -BRCLYSBANKDE Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter
Consumer complaint received 2021-02-05
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)

The bureaus are showing XXXX  XXXX as 90 days delinquent in XX/XX/2020 and that is not correct. I was under the Forbearance program due to the Care 's Act. 

I have attached proof
Consumer complaint received 2018-03-12
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 (CA)

Talked with capital one about disputes. They told me I could file online or by phone. So I did all my disputes online. The company never provided me the login to be able to use the service. However, Capital One refuses to investigate and, instead, keeps sending me documentation asking for more information. I have included all dates I talked to the merchant, the fact they never provided me the service but kept billing me, and all relevant dates and information to substantiate my disputes. 

Instead, they rebilled my card for all disputes even though they made no attempt to contact the merchant to get information. As the merchant refuses to refund me or even provide the original login to use the service.
Consumer complaint received 2021-02-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I am being harassed by mail advertisements for personal loan from Oportun using my home address but address to XXXX XXXX. I do not know this individual. I have had filed several complaints with the company and received acknowledgment. They promised to stop sending mailers and removing my address from their records. I keep receiving the same advertisement for the same individual in English and XXXX every other month. This has happened for 2 years now. Extremely Frustrating!!! Please Help
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank recently bought the XXXX Visa from XXXX   XXXX. I closed my account before the purchase was down and XXXX XXXX still had control. 

I reactivated the account with a new card that was sent to me by Comenity because XXXX  XXXX was no longer going to accept payments despite what I was told. I recently tried to close my account with Comenity who tired to tell me twice that my account was closed on XX/XX/XXXX, 10 days before I reactivated the account so I could pay. I know that they can see the record or where my payments came from and still have full access to using the card but they refuse to look at it or tell me exactly what they see. Comenity is  XXXX awful.
Consumer complaint received 2018-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

Not sure of all the dates but I got 1 phone call from United Revenue Corp. saying they were trying to collect a debt. Never heard of them. I asked for written verification. They were very rude and I never received it. Months later it's on my credit report with XXXX. Tried to dispute thru XXXX 3 times. Denied each. Looked into the original creditor, " XXXX XXXX XXXX '', never heard from them either. The amount of {$940.00}. Could not get any backup for this. If I owed it I'll pay it but they have been rude and unwilling to provide docs. My credit reports are clean except for this and, even though it doesn't affect my ability to purchase ( based on the rest of my credit standing ) it's really starting to irritate me.
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CO)

In XXXX of 2021, I received a bill from Victoria Secret ( commenity bank ) for charges that I did not make and I did not receive. They started an " investigation '' and in XXXX they sent me a letter stating that the charges were going to remain on my account. Whenever I call them, their agents will either hang up or transfer me when I ask for their names. I am trying to refinance my house and I once again disputed the charges. Their " investigation '' that XXXX from the fraud department stated, " was done by the FBI and showed that I received the products and they were not going to remove the charges from my account. '' XXXX also claimed that " the FBI took photos of me wearing the clothes that I was disputing. '' I do not believe that the FBI investigates anything for commenity bank and Victoria 's Secret. They have since reported the account closed but didn't report that the account was paid in full. It shows a balance of XXXX. XXXX stated that because they closed the account, I can not claim fraud and have my money returned to me. The fraud was reported in XXXX and they waited until XXXX to close the account after I had made the payment and their reason was because I reported the transaction as fraud. XXXX then stated that my voice sounded too feminine and so she was flagging my account and wouldn't answer any more questions. She then asked me if I had any other questions that she would refuse to answer. XXXX was laughing and stated that I would just have to live with whatever they decided to do to me and that she could ruin my life if she wanted to. They are refusing to report my account as paid in full and stated that they would report the payment whenever they felt like it and XXXX stated that she was going to report my entire credit history as fraudulent and that I would never get a loan or be able to refinance my home. The money has been taken from my account to pay this bill and XXXX also stated that they could report the charges on the account indefinitely and there was nothing that I could do about it.
Consumer complaint received 2018-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I have been having an ongoing issue with cashcentral taking payments from my checking account on random dates without notifying me beforehand and they are not sending me receipts afterwords wither. On XX/XX/2018 I filed a complaint ( XXXX ) against them the first time it happened. It caused my account to be overdrawn and left me without any money and a pile of late fees as well. While they did eventually refund the money, they still have continued to charge me without notice or receipt. They admitted in the first complaint that it was an error on their end, but they have yet to take any actions to correct said error. 
I wake up today to find that my account is again overdrawn due to cashcentral. I am having extreme financial issues, which was the reason why I took out the loan to begin with, but I am now much worse off because of it. The last payments since my first complaint have been taken out on XX/XX/2018 XX/XX/2018 and XX/XX/2018. The dates of the last two payments are early and should not have happened. I am unfortunately living check to check at the moment and if these payments were taken out when they were supposed to be, I'd have no issue, but this has caused me an extreme amount of stress. 
I have not received any mail, email, or phone notifications from this company in regards to my payment scheduled payments since XX/XX/2018. These payments are supposed to coincide with my paydays and be taken out every two weeks on Friday. I am now yet again dead broke with no other option other than to wait for this complaint to be received and reviewed while I struggle to find money for food, travel, and other bills.
Consumer complaint received 2022-06-11
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. (FL)

My rights were violated under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report COMPANY : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT : UNSECURED DATE OPEN : XX/XX/2021 ORIGINAL BALANCE {$4300.00}
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC (MI)

I received a bill that was entirely too much, the boxes was returned back at this point they should have deducted XXXX dollars off of my bill which they did not do. There is no way at this time. the bill should still be XXXX. If the bill was over XXXX dollars they shut the service off so explain to me why the bill is still high although all the boxes were returned.Please notify me A S A P about this matter any further questions please feel free to call XXXX Sighned XXXX XXXX
Consumer complaint received 2020-07-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX   XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I have received a ton of letters, and phone calls form Jefferson Capitol Systems over the last few years. The only time I spoke to someone ( over a year ago ), they said they were collecting from a XXXX XXXX account from XX/XX/XXXX or XX/XX/XXXX. I told them it was not my account, and that over a 15 year old account, if it was ( which it WAS NOT ). I asked them to cease and desist all calls and correspondance, and to stop trying to scam me. They no longer call, however, I still keep getting letters from them. This is a scam, and they need to be stopped.
Consumer complaint received 2024-02-06
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. (TX)

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities despite multiple attempt. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

Please acknowledge receipt of this complaint in writing within the specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (FL)

XXXX should refund of {$370.00} due from an overpayment by me on their XXXX credit card. Instead, the XXXX  credit card indicates a billing error showing charges in excess of {$2500.00} that I did not approve. In addition, XXXX erroneous reporting to credit bureaus has resulted in very negative credit scores. 

In XX/XX/XXXX I paid for 2 roundtrip airline tickets to XXXX charging the amount on the XXXX XXXX card. The amount was paid in full within 30 days, resulting in a XXXX balance. Upon return from the trip, new charges appeared on the XXXX card that I disputed. I cancelled the card having made no charges except for the initial roundtrip airline ticket. In XX/XX/XXXX I overpaid {$370.00} to a charge on the statement billed by XXXX that was in error. To date I have not received this refund. 

A XXXX Letter, dated XX/XX/XXXX in reference to my XXXX credit card account, stated the credit card dispute is resolved and I am credited {$85.00}. That credit never appeared. Instead of refunding the XXXX overpayment, I have been billed by XXXX with unauthorized credit card charges resulting in {$2500.00}. In addition, XXXX has also reported a default in payments to the 3 major credit bureaus. 

The only charges authorized are as follows : On XX/XX/XXXX I booked 2 roundtrip adult tickets to XXXX. 
Depart XX/XX/XXXX- Arrive XX/XX/XXXX with seats reserved XXXX/XXXX XXXX : Ticket Record XXXX  XXXX XXXX , FL XXXX , XXXX ; XXXX , XXXX XXXX , FL {$1500.00} x2 - {$100.00} for promo using XXXX XXXX Credit Card XXXX XXXX Credit Card- Paid XX/XX/XXXX {$3000.00} Balance : - XXXX XX/XX/XXXX overpayment {$370.00}.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has not responded to my complaint to verify items submitted XX/XX/2018. I am very aware that it's their responsibility to keep detail records of my credit file. I am challenging them to do so by disputing and making sure they are reporting information correctly by obtaining original information and reporting only what is provided to them. They did not send the requested documents and they are still reporting the items in question on my report. Right now you I can say the items can not be verified due to them not getting back with me and not providing documents that will give details of my history. I have a right to check a reporting agency to be sure they are in compliance and right now they are not. They did not even answer my complaint.
Consumer complaint received 2018-08-01
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: EQUIFAX, INC. (NY)

I have contacted these auto dealers and places about these 34 inquiries on my credit report with equifax. I also contacted equifax and there response to me is they cant do nothing about it. I never signed or agreed to have these inquiries on my credit report. I am very unhappy about there customer service and what they are doing to my life with credit reporting.
Consumer complaint received 2018-10-12
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. (NV)

Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX TransUnion : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.