davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
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: EQUIFAX, INC. (AL)

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NY)

In XX/XX/2019 I received a letter in the mail with the XXXX logo on it saying that I owed about {$450.00} and my account was suspended until I paid. It had a phone number to call to pay the balance and get my account reinstated. 
I have never had any XXXX account or wireless number associated with XXXX. 
I called XXXX to verify what the charge was, and they had no record of me having any account with them or any debt under my name. They told me it sounded like the letter was a scam so I ignored it. 

Today ( XX/XX/2019 ) I received a letter from afni debt collector that states I owe a XXXX XXXX balance of {$1500.00}. 

I do not have any idea what this balance could be since XXXX does not have record of me having an account there and I have not had any XXXX XXXX account in the past. 

Thank you for receiving my complaint. Please contact me with any questions.
Consumer complaint received 2018-11-26
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. (GA)

I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, XXXX removed the accounts that were not associated with me but hasn't removed the inquiries, XXXX and Experian has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.
Consumer complaint received 2022-04-06
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. (MD)

On XX/XX/2022, I applied for a store card, XXXX & XXXX XXXX Credit Card, serviced by Comenity Capital Bank, and received instant approval to make a purchase using that credit line. 

On XX/XX/XXXX, I received an email stating that my card would arrive in the mail soon. 

On XX/XX/XXXX, I received an email stating that my account statement was available and a payment is due. However, to create a login in order to view the account statement I need my full account number from the physical card, which I have not yet received. I tried calling the customer service number, but I was again asked to provide my full account number, which I have not yet received. 

I also attempted to make a payment, hoping that my payment amount would be above the statement balance, but yet again my attempts were denied due to not having the full account number.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (CO)

While on vacation in XXXX in XX/XX/XXXX, our credit card number was stolen and used to make purchases on XXXX and XXXX. Barclay Mastercard contacted me and asked if the purchases were mine, they thought they were fraudulent, and I told them NO they were not our charges. We contact XXXX and they confirmed that the charges were not ours and that they could see another person 's email account was used to make the purchases. Barclay took the charges off, then a few weeks later they sent a letter and said they put all of the charges back on our credit card. I have called them about 7-8 times and spoke with XXXX, a manager, and XXXX, in the fraud investigation. XXXX told me on XX/XX/2017 that he is a manager and would take care of the charges and make sure they are taken off. It has been 2 weeks and he never called back and has never addressed the issue. Everytime I call, no one knows what is going on and no one will help me. Attached is the contact name for XXXX at XXXX. XXXX XXXX Case # XXXX ; Fraud claim with XXXX.
Consumer complaint received 2018-11-26
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: EQUIFAX, INC. (GA)

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2022-07-27
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. (PA)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

XXXX CHARGED OFF Account info Account name : XXXX XXXX XXXX  Account numberXXXX  Account type : Auto Loan Responsibility Individual Date openedXXXX Status Closed. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updatedXXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$7100.00} Highest balance {$0.00} Terms 44 Months Account info Account name : XXXX XXXX  Account numberXXXX Account type : Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$14000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/XXXX Account info Account name : XXXX XXXX XXXX XXXXXXXX Account numberXXXX Account type : Collection Responsibility Individual Date opened : XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2700.00} Balance updateXXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$2700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Note : My address is XXXX XXXX XXXX XXXX XXXX. I have sent a dispute letter in regards to this to XXXX and Transunion. This is unfair practice and it violates my right under : 15 USC 1681 622A- Right to privacy 15 USC 1681 604A Section 2 : A Consumer reporting agency can not furnish an account without written instructions.

I am asking for a monetary fine furnished to me for violation of {$100.00} up until {$1000.00} or a removal off of my XXXX and TransUnion reports. I do not owe on these closed and charged off accounts
Consumer complaint received 2022-07-27
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-07-27
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

They have refused to correct my information on all bureaus and in fact merging my consumer with report with similar names and my name is very unique and is not relatable in anyway, PURSUANT TO 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting.

1. My Accurate legal full name is exactly : XXXX XXXX XXXX. 
I do NOT want any name other than what I listed above to be retained or reported. 
Please delete any other names the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. My Accurate complete mailing address is : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please delete any other addresses and the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID : XXXX Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Address ID : XXXX Report number : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ID : XXXX THERE SHOULD BE NO OTHER ADDRESS RETAINED ON MY REPORT! 
3. My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information
Consumer complaint received 2021-07-13
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. (NM)

I have a potentially negative account from XXXX XXXX XXXX. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with XXXX XXXX and it still has not been removed from my credit report
Consumer complaint received 2022-07-27
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just check my credit through XXXX XXXX website and i noticed two fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-04-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have three hard inquiries on my XXXX  credit report from Bank of America. I did not apply for credit with this company. I called XXXX  and bank of america to dispute the inquiries but have not had any response.
Consumer complaint received 2021-04-13
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. (NJ)

I have six inquiries from XXXX XXXX on my Experian credit report. I never applied for credit with this company. I called them on XX/XX/2021 to dispute these inquiries. I was told they will work on removing them and gave me reference # XXXX. As of XX/XX/2021 the inquiries are still on my Experian report.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was so surprised when looking over my credit report and found a late payment in XX/XX/2018. 
I don't even know how this happened. I believe I always made my payments to you when I received my statements. My only thought is that my statement didn't get to me.
Consumer complaint received 2023-03-27
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. (DC)

Hello! I have never missed any payment for anything in my entire life. Due to an error of XXXX XXXX XXXX XXXX, my XXXXredit score has been significantly decreased and I am unable to purchase a home. Please remove the {$12.00} error from XXXX XXXX XXXX XXXX that has significantly impacted my otherwise perfect credit. 

I opened a XXXX XXXX XXXX XXXX Credit Card to pay for a medical procedure. When I was able, I paid off this account in full. I paid in full. I assumed that was it. XXXX XXXX said that I didn't pay the {$12.00} of interest on the amount I paid off and sent that amount to collections. I never received a phone call about this amount. I never received a text message about this owed. I never received any mail to my house about this until I got a letter in XX/XX/2022 saying I was 60 days past due on {$12.00}. As I had already paid off this account, I was confused. Also I didn't understand how they NEVER CONTACTED ME IN ANY WAY about this {$12.00} owed. I immediately paid but this has now beed reported to the credit bureaus and has significantly impacted my credit score. How can a bank plummet someone's credit over {$12.00} that they never knew they owed? If I am not contacted about an amount I owe, I can not pay that amount. I am happy to share my phone records or records of USPS scans of incoming mail to my house. I never received any contact from XXXX XXXX XXXX XXXX over this {$12.00}. I'd like this {$12.00} past 60 days due off of my credit score reporting but I contacted XXXX XXXX and they said they were unable to help. They were not helpful. I would never do business with them again but I hope the CFPB can do more. 

People should not have their credit ruined over {$12.00} that they didn't know that they owed. The bank should have to show that they contacted the person before they sent it to collections. I am happy to show I was never contacted in any way until I got a letter saying I was 60 days past due. This has impacted my credit score by at least XXXX points. I would have otherwise perfect credit if it was not for XXXX XXXX XXXX XXXXXXXX XXXX poor policies. Now I likely can not buy a house over this {$12.00} issue. Please do not let this happen to other people.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OR)

I opened a Home Depot credit card through CITI bank. Home Depot says they provide " everyday financing on purchases over {$290.00} 6 months no interest ''. After opening the account, Home Depot/CITI sent me a 10 % discount coupon. On XX/XX/XXXX, I made a purchase on my Home Depot CITI card for {$1100.00} and I used the coupon. No where on the coupon does it say that you don't receive 6 month financing if you use the coupon, and no where on the " everyday financing '' emails does it say a purchase doesn't qualify for financing if you use a coupon. 

I called CITI and requested that they allow 6 month no-interest financing on the purchase butthey said they won't budge.I asked them to point me to the terms on the coupon or the financing promotion that says " no financing if you use a coupon '' but the representative could not. I opened the account for the purpose of the financing and I used the coupon which was given to me by Home Depot/CITI after opening the account. This practice is a fraudulent trap, to give someone the coupon after opening a " no interest financing credit line '' and disallowing the financing if you use the coupon they just gave you.
Consumer complaint received 2018-07-10
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. (TX)

In XX/XX/XXXX, I disputed with the CFPB the XXXX XXXX XXXX account that was reflected on my credit report. XXXX XXXX XXXX at that time responded by informing me that they had instructed the credit reporting agency to delete the account. To date, Transunion has not not deleted this entry. This was over 15 months ago. See attached credit report that reflects this account that should not be listed on my credit report. Transunion must DELETE this entry immediately and provide me a copy of an updated credit report that reflects such deletion. 

Further, in XXXX XXXX XXXX response on XXXX, they stated ( see  attached ) that I would not hear nothing further from them in regard to this matter. See attached letter they sent me dated XX/XX/XXXX. I am considering this harassment and they owe me remuneration for violating my rights as well as explicitly stating they would not contact me again but yet they did. Both Transunion and XXXX XXXX XXXX are blatantly violating my consumer rights and should be held accountable. This erroneous, inaccurate entry that is still reflecting on my credit report has intentionally affected and impacted my credit worthiness and both companies need to pay.
Consumer complaint received 2018-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (IL)

We have been receiving calls for a debt owed by someone that we do not know who may have had my husband 's cell phone number before. I didn't know that the company was looking for someone else until today when the calls started all over again and this time the caller mentioned the person 's name but I couldn't understand what he said. The calls come to my husband 's cell phone from NCC Business Services, XXXX XXXX XXXX, XXXX, FL XXXX or NCC Business Services XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX from XXXX. I called the number back and got a message that " If you are? person, ( couldn't make out name but not ours ) press 1 for an agent '' The first time we filed a complaint our ID for complaint was XXXX and we got a message back that the president was sorry he had bothered us and that it wouldn't happen again and that we had no debt but this time we suspect there may be a debt belonging to someone else.
Consumer complaint received 2019-09-06
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. (GA)

I am a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.