davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TN)

I have recently obtained a copy of my credit report. Macy department Stores continously are choosing not to respond to me. This company is violating my rights as according to the Fair Debt Collection Practices Act ( FDCPA ). Also this company is in violation according to 15 USC 1692.

15 USC 1692b ( 2 ) saying that I owe this alleged debt is an violation 15 usc 1692b 15usc 1692c ( C ) ( 1 ) ( 2 ) ( 3 ) 15 USC 1692d harassing me harming my reputation and continuously advertising this debt.

15 USC 1692e 15 USC 1692f These are the violations that this company have violated.
Consumer complaint received 2022-12-03
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. (TN)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX # XXXX under XXXX XXXX Bank, 15 USC 1681 section 602 A. States I have the right to privacy. USC 1681 section 604 A. section 2 : it also states as a consumer reporting agency can not furnish an account with my written instructions. USC 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 antidates the report by more than seven years. USC 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 2021-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment reported for XXXX and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

License Number : Address : XXXX XXXX XXXX City : XXXX XXXX XXXX : TX XXXX XXXX : XXXX Phone Number : ( XXXX ) XXXX Person dealt with : Rep XXXX transfered to Supervisor Email Address : XXXX Complaint : I am a customer of the Institution. My Payment due date is the 16th of every month. 

I reached out to the institution spoke to Representative whos name is XXXX, then transferred to Supervisor. I unfortunately I did not get his name, Needless to say he couldn't or wouldn't work with me. He stated that neither he nor I was at fault for the delay in mail delivery, but I will still be penalized. No If and or buts. 

I also inquired if whether their Covid 19 relief that they offed could help being that USPS struggles are likely due to the pandemic. He responded No. 

I have always paid above minimum, XXXX XXXX. 
I have used my credit union bill pay service for more than 15years, NEVER have I had this issue EVER with any other accounts I have set up for my Bill pay send auto payment to XXXX XXXX XXXX on the 5th of the month! Again My check is mailed on the 5th on any given month. 

Being that I am XXXX, on a fixed low income, which is deposited on the 2nd of every month, I really cant mail it any earlier than the 3rd of every month.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-07-06
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. (NY)

XXXX XXXX XXXX XXXX Account number XXXX is reported on all credit bureaus as a charge off, account sold, and with a balance. 

This account has been disputed through certified mail and i have never received any original documentation verifying this debt. 

I'm unable to cite the exact FCRA information that states the above erroneous information should have already been removed. 

Please assist or advise in the removal of this account from XXXX, XXXX, and Equifax credit bureaus.
Consumer complaint received 2021-06-13
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: World Acceptance Corporation (KY)

World Finance Corporation ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) continues to file information on my report that should not be listed at all because it is beyond the statute of limitations. This debt was paid in full and World Finance continuously reported the full amount of the loan was due after it was paid. Which was an incorrect amount if you look at prior reporting that showed only a balance of XXXX due for years. World Finance has now updated the account stating it is in good standing. Despite the debt being from XXXX. I have filed multiple disputes with XXXX and it is still being reported by XXXX and has caused my credit rating to increase then decrease each time World Finance updates an account. I also have filed dispute with XXXX XXXX. However it should now be removed.It is eight years old and should not be reported. I live in the state of Kentucky and I believe that World Finance is continuing to make entries on my credit report maliciously. I also feel that XXXX has not researched the debt correctly and has continuously allowed World Finance to make malicious entries on my report and has not investigated my claims thoroughly or efficiently.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX Account number XXXX is reported on all credit bureaus as a charge off, account sold, and with a balance. 

This account has been disputed through certified mail and i have never received any original documentation verifying this debt. 

I'm unable to cite the exact FCRA information that states the above erroneous information should have already been removed. 

Please assist or advise in the removal of this account from XXXX, Transunion, and XXXX credit bureaus.
Consumer complaint received 2021-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

Hi, i have an account with chime bank since XXXX, I traveled to XXXX last month and after three weeks while in XXXX i found two unknown transactions ( withdrawals ) on my account from an Atm in New York on XX/XX/XXXX for {XXXX} so i called the bank and i told them that wasnt me and that im in XXXX and i have my card with me in my hand so they told me its a fraud and we will cancel your current card and send you a new one and we will open an investigation and will return the money back in 10 business days, after 10 days they sent me an email that the investigation is closed and my dispute is denied and I wont get my money back so i called them to ask why and i told them that i have all the proofs that im in XXXX and my card is with me, how come someone else use it in New York .They told me that this is their final decision and they wont give me my money back.
Consumer complaint received 2019-08-01
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: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX, XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with Experian and XXXX in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. I requested proof of ownership was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My XXXX score went up after reducing overall debt on XX/XX/XXXX. Equifax did not reflect this.
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. On XX/XX/2020 the original creditor, Comenity Bank verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors currently holding the file have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this.
Consumer complaint received 2024-03-07
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

5. 15 US-CODE 1692E FALSE OR MISLEA
DING REPESENTATIONS-10 XXXXAN Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX IN Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX  XXXX XXXX Account Number : XXXX Delete this account.

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 RXXXX  Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2022-07-06
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX  Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was pr

operly investigated, bu t how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-15
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: EQUIFAX, INC. (GA)

on XX/XX/2021 I sent a letter regarding my rights as a Federally protected under title XXXX XXXX XXXX. It has been 60 days and I have not received a response yet. Why is that. I fell as if my rights are being violated. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 60 days so they should be deleted immediately.
Consumer complaint received 2019-06-18
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: Experian Information Solutions Inc. (WA)

The REFUSE to provide proof that several accounts on my credit belong to me, by law theyre supposed to have that information in order to put it on my credit report, so if thats the case then it shouldnt be a problem to let me see that information. I am currently on my 3rd round of disputing and they have said that they were able to verify it but will not tell me or show me how.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (LA)

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. My right to privacy under HIPPA law as these collectors are questing my medical condition which is against the law. I have not heard back from XXXX. If they can not validate, please remove from my XXXX credit report. 
The following account is what I am questing : XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2022-10-11
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. (WI)

I am a victim of identity theft. There are fraudulent accounts that remain on my credit profile that need to be removed immediately. This has caused me injuries and financial damages. 

XXXX XXXX accounts XXXX XXXX XXXX XXXX Department of education/ XXXX department of educationXXXX XXXX Inquiry- XXXX XXXX XX/XX/XXXX Bankruptcy- US bkpt ct wi XXXX XX/XX/XXXX XXXX Wi  XXXX XXXX DE Names XXXX XXXX XXXX XXXX ; XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX
Consumer complaint received 2021-06-13
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. (FL)

On XX/XX/2014, I filed paperwork for a bankruptcy. The bankruptcy was dismissed because I changed my mind and didnt pay the court cost for it to be official filed. I never went to court, turned in any additional information, or paid a fee. The bankruptcy is being erroneously reported by all three credit bureaus. I have disputed this many times. The wording was updated with one of the credit bureaus, changed from XXXX to dismissed, but the bankruptcy was never removed. I have disputed this about 5 times. I believe the credit bureaus are improperly investigating this matter correctly resulting in a negative impact on my credit. I am requesting this information be removed from my credit history. Again, I did file initial papers to the court, but changed my mind and did not go through with the bankruptcy and paid off creditors. 

I would also like to request that all creditors who requested my credit in the past 60 days, are notified and provided an updated report.
Consumer complaint received 2018-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (NC)

An outside company keeps calling me and threatening me. They said if I don't pay back XXXX today, XXXX in 3 monthly installments or XXXX in 18 months then they will pursue legal action against me and I will have to pay them XXXX. They have called human resources, my number and other numbers at my job to employees that I don't even know and leaving messages. There number is XXXX Ref # XXXX. They are an outside agency that has bought my file. I have asked them to stop calling my job and they keep doing it. I got the loan back in XX/XX/XXXX or XX/XX/XXXX and was struggling to pay it back. This is very stressful and a hardship at work.
Consumer complaint received 2022-09-23
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. (PA)

Please help me. I have contacted Experian over 20 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Experian XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help me.
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.