davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. 
The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445, you may be liable for your willful non-compliance.
Consumer complaint received 2020-07-26
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: Bread Financial Holdings, Inc. (PA)

Back in XXXX I sent my credit card company a hand written letter in much detail about charges I did not make. After a month or so they tell me I did not send enough information. 
I sent them exactly everything I could including dates, amounts, why I was disputing it. 
I simply had no more info. They tell me they will issue me a temp credit while they investigate which they never did. More time passes and they keep telling me they are investigating. They tell me with no reason it is closed. I am told I can re-issue the dispute which I did again and they will not tell me anything. 
I keep getting the run around. I am out of options and will not pay disputed amount and am afraid it will affect my credit in a negative fashion.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have been disputing XXXX  with equifax for a year now. They keep coming back the same day with a response. which let 's me know they have not done an investigation as they reported. The response says all inquiries are accurate and that they reached out to XXXX. They did not XXXX  has told me numerous times that they have no account or application from me to have an inquiry. after I disputed XXXX XXXX  they even sent a letter and now equifax still doesn't have it. 30 days later.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

My Discover account, my oldest line of credit, was closed unbeknownst to me. There is no information on my Discover.com ( like secure messages or indications on my statements ) that shows that they reached out to me. They said they sent me mail to my home address ( dated in late XXXX ) stating I need to use the card to keep the account open. However, 1 ) we are in the midst of a global pandemic 2 ) I work in a XXXX  and have not been able to keep up with unexpected updates from Discover 3 ) I have informed delivery from the USPS and there is no record of any mail from Discover in XXXX. Additionally, I had successfully filed a complaint with the CFPD in the past ( XXXX ) regarding not receiving mail from Discover. They acknowledged their mistake but it seems like this is still reoccurring. I do not want my oldest line of credit to be closed. This is not standard industry practice and most other creditors ( XXXX, XXXX, XXXX ) do not play games like this. I reached out to customer service and supervisors and they told me that they are unable to reopen my account ( because I did not act on the information that I did not receive ). I was told I would get a call back from HQ but they will not be able to help me. I am now reaching out to you as a regulatory agency to make sure creditors stop these predatory practices. I am very disappointed in this practice and would appreciate my card reopened. I am a young adult and I can not afford a large hit to my credit as my average age of credit will now drop significantly and this will affect my mortgage and loan opportunities as I try to grow my XXXX. They advised me to open a new account to continue my relationship with Discover but this has very negatively impacted my view on the company and their policies. I will allow them 1 more chance to right this wrong.
Consumer complaint received 2018-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LD Holdings Group, LLC (GA)

Loan Depot they have called me for a past few days multiple times. My phone record on my phone only keeps so many. 
Called XX/XX/XXXX at XXXX, XXXX, XXXX. 
XX/XX/XXXX at XXXX, XXXX I have called and asked them to remove me from the list but they still keep calling. It says that you can be removed but I hit that and they still keep calling.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

Have been trying to resolve this issue with Comenity Bank since XX/XX/XXXX. Information they are reporting to the credit bureaus are incorrect. Have submitted disputes through the credit bureaus but have not received any responses. I have sent certified letters to Comenity, with no response. Comenity has however called every member of my extended family ( no clue how they have their # ) and left threatening voicemails. 
The following info is incorrect : Opening date of account Credit Iimit Balance- is one is a whole other issue. I received items that I did not order, but was charged for. I have emails dating back to XX/XX/XXXX where I had email conversations with an employee named XXXX, who was to remove these charges but did not. 
I can share these emails as well as credit report summaries from XXXX & XXXX showing the above info I have stated is true.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item 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 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$810.00}, {$240000.00}, {$61000.00}, {$28000.00}, {$62000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$61000.00} -This is not my account. 


-- INSTALLMENT LOANS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$62000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-07-27
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. 
The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445, you may be liable for your willful non-compliance.
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 — Account status incorrect
Company: Harley Davidson Financial Services Inc (NY)

According to the company they sent a letter to me explaining that two of my scheduled payments were received late, which resulted her account being delinquent at those times. They also claim that they explained the " Good Standing '' message on their website was about on my account. 
This is false! I never received any explanation about the good standing on the web site. It also does not indicate my account has been paid in full! This adverse information is posing an issue with vetting for another auto loan including student loans for college and my job!!
Consumer complaint received 2022-06-16
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. (CA)

i need all three credit bureaus to re-investigate all negative items in collection on my credit report. Please tell me how this was done, whom you called, or how you vertified any information.
Consumer complaint received 2020-07-26
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2018-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Between approximately XX/XX/XXXX and XX/XX/2018 Citibank allowed a credit card account to be fraudulently opened in my name and the name of another person ( liked to the same account ) within days, sending the new cards to my mail address. This was combined with an attempt to steal my mail by the thief watching and noticing I was not home, putting a hold on my mail at the post office during that time and then trying to pick up my mail at the post office to pick up the new, bogus credit cards - a coordinated scam between online fraud and postal theft/fraud. The person was not able to get a hold of my mail when I went to the mailbox and then post-office, retrieved my mail and averted the theft. The Citibank credit cards had an {$11000.00}. The thief opened another card with another company, so the overall amount was for {$19000.00} of credit. A third attempt was met with more scrutiny by a third financial institution. 

Issue 1 - My issues with Citi start with that when I alerted them, they were not supportive of my efforts to immediately close down the account. I talked to a fraud contact at the bank on XX/XX/XXXX, and did not want to give him my SS # but understood the account would be closed. I then went to my credit bureau to put a fraud alert on my account. On XX/XX/XXXX, Citi contacted me about the account but the person contacting me had no information and the account was not yet closed or of the incident reported on XX/XX/XXXX. She was helpful in closing it down and I asked to be transferred to someone who could help identify the causes of this fraud. 

Issue 2 - Even though I was the one that alerted them, the identity theft division of Citi was generally not that supportive and would not help me find information that could help our local police apprehend the local person committing both the online and mail crime. She would not give me any information about my application and said if they police wanted the information, they could call a Citi 800 number and ask for the law enforcement liason - not exactly helpful or responsive to a crime committed using their credit card process. She gave me ambiguous advice about the length of my fraud alert and in general, seemed annoyed that I was asking for help and explanations, when it was Citi that at least played a part in issuing a bogus credit card in my name. When I asked her how I could communicate my concerns and request for deeper explanations as to how this happened, she reluctantly gave me a po box to write a physical letter to a generic customer service contact. The overall impression is that Citibank 's actual conduct does not match their web site-published concern for customers impacted by credit card fraud. I want to make sure that this particular scam is not allowed to continue, and I mistakenly thought they would share this desire.
Consumer complaint received 2024-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

The third party debt collection agency was notified by the courts as well as myself that the case was included in my bankruptcy. 
The law office has not removed the lien from my credit and no response from the firm.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I already contacted the company about the unwanted account being open in my name and they still refuse to delete the account. I even went over my credit report and theyre reporting inaccurate information for the account thats on my report. Theyre reporting incorrect payment history for all 3 credit bureaus. Even a identity theft report was made and is attached
Consumer complaint received 2021-09-18
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: MS SERVICES LLC (CA)

MS SERVICES IS REPORTING INCORRECT INFORMATION... IVE NEVER RECEIVED ANY BILLS FOR THIS OR NOTIFICATION. THIS INFORMATION WAS DELETED FROM MY OTHER CREDIT REPORTS AND I WANT IT REMOVED FROM MY XXXX REPORT!!! IVE TRIED SEVERAL TIMES NOW DISPUTING IT WITH PROOF AND STILL WON'T REMOVE IT.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Account reporting, for credit and FICO Score purposes, issues with XXXX XXXX XXXX XXXX. XXXX is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; Experian, XXXX, and XXXX  XXXX, are as follows. While I disagree with my Experian and XXXX  reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the XXXX  reporting. XXXX  indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I already contacted the company about the unwanted account being open in my name and they still refuse to delete the account. I even went over my credit report and theyre reporting inaccurate information for the account thats on my report. Theyre reporting incorrect payment history for all 3 credit bureaus. Even a identity theft report was made and is attached
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to XXXX, TransUnion and XXXX that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask XXXX, TransUnion and XXXX to sent me everything they have that proofs the account is mine but nothing happens.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Klarna AB (NY)

This complaint is about Klarna, and it is very serious. Consistently Klarna tells its users that its has about {$1300.00} is credit but only ever allows it to spend just under {$300.00} over time no matter whether one has excellent payment history, pays early, has excellent credit rating. It's a scam. When you ask digital customer service what the problem is, they just say " guess you just have to keep trying. '' The policy is not clear. Klarna consistently demonstrates false advertising of a WAY higher credit it will let you use than what is real. Please thoroughly investigate them and ensure that they are much, much, much more transparent!! Thank you.