davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX  keeps calling me repeatedly from a restricted number and I have no way to call the number back which is an illegal collection practice. They must call you from a number that you can call back. Also there was {$2000.00} payment applied to my account and they did not give me credit for that {$2000.00} payment which was made because of a illegal contract that was made through a 3rd party. XXXX XXXX and XXXX  XXXX XXXX are corrupt. 

Mind you they spoke with my daughter because she is a collector and answered the phone knew they couldn't call from a restricted line. Did not verify any identifying information to confirm who they were talking to. Anyone could have said they were me they disclosed it was a debt and also disclosed it was about to charge off.
Consumer complaint received 2018-07-11
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. (MI)

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-28
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. (LA)

I am submitting this CFPB Complaint requesting that the Credit Bureaus to remove the previously disputed items that are being reported on my Credit File. These accounts are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, please remove the disputed accounts and inquiries completely from my Credit File. 

XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-03-27
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-26
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. (TX)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2022-04-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NH)

I originally sent Experian a complaint about unverified items in my credit report, and they failed to respond within 30 days on 2 separate occasions. Please see the attached letters for details. I have sent the company 3 separate letters and I am under the impression that as of the date of the last letter that I sent out, The 3rd letter was sent on XXXX 

Before that date, the other XXXX letters were sent on XX/XX/XXXX and XX/XX/XXXX. Experian did send a card back saying that they received my complaint on XX/XX/XXXX, but they provided zero communication that an investigation was taking place regarding these inaccurate, unverified negative remarks in my credit report. 

I had similar issues with XXXX and XXXX as well, which I will share in attached files. For instance, XXXX originally removed an item that I disputed, and then they re added it ( See Figure XXXX in XXXX ). in a window of time greater than 5 days in violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii )
Consumer complaint received 2022-04-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX
SOCIAL SECURITY: XXXX
EXPERIAN CREDIT BUREAU 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  TODAYS DATE: XXXX
REQUEST INVESTIGATION OF CREDIT INQUIRY ON MY BEHALF. 
DEAR EXPERIAN, 
         AFTER A RECENT REVIEW OF MY CREDIT PROFILE ON XXXX I NOTICED A HARD INQUIRY FROM CAPITAL ONE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX  THE INQUIRY IS UNAUTHORIZED, INACCURATE, AND/OR MADE IN ERROR. 
THE FOLLOWING INQUIRY IS IMPERMISSABLE:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX ON XXXX.
PLEASE REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. SHOULD THIS COMPANY CLAIMED TO HAVE PULLED MY CREDIT REPORT VALIDLY, THEN IT IS WITH MY LEGAL RIGHT TO ASK FOR VERIFICATION DETAILS: 
1: THE NAME AND JOB TITLE OF THE INDIVIDUAL WHO PULLED MY CREDIT.
2. THE DATE THEY CLAIMED TO HAVE RECEIVED PERMISSION TO PULL MY CREDIT.
3. THE METHOD THEY CLAIMED THAT I AUTHORIZED THEM  TO PULL MY CREDIT. 
PLEASE ALSO ATTACH DOCUMENTATION TO SUPPORT THE VERIFICATION OF THESE CLAIMS. 
THANK YOU FOR YOUR PROMPT ASSISTANCE.
XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (FL)

My name is XXXX XXXX XXXX, I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. 

Can you please investigate my consumer report and ensure that everything is 100 % accurate? I have a list of accounts below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3.00} {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 115 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 an account without my written instructions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Respectively, can you please provide /send a copy of my investigation? 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-10
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. (NC)

In accordance with the Fair Credit Reporting act 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, ( Original Creditor : ) # XXXX, XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2022-04-10
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. (NC)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, ( Original Creditor : ) # XXXX, XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I've sent numerous letters to all the bureaus to fix incorrect information on my credit report and they have not responded. It has been more than a few months. I would like all the incorrect information removed immediately.
Consumer complaint received 2018-07-11
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. (NY)

Several years ago, my information was stolen and a loan was placed in my name through XXXX XXXX. However, XXXX XXXX ( XXXX ) is still on my Equifax credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via XXXX. I am writing to say that : 1. XXXX needs to erase the false information from my Equifax credit bureau history. 

2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, XXXX  should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through XXXX XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting 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 submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605 b, I have reported the incident to the Federal Trade Commission ( FTC ). According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance XXXX {$400.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX
Consumer complaint received 2021-08-28
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)

I filed a dispute with my credit card company in the amount of XXXX from XXXX XXXX because XXXX XXXX  sent me and incorrect order I had ordered two sleep shirts a XXXX XXXX and a XXXX sleep shirt how ever I only received a XXXX sleep shirt and the other item I received was incorrect and was a sweater not a sleep shirt so I returned the incorrect item back to XXXX XXXX they were supposed to refund me the money for the XXXX XXXX sleep shirt I never received and also give me and additional XXXX for the return shipping label since they said they were sorry for sending me the incorrect item so on XX/XX/XXXX capital one sent me a temporary credit and as of XX/XX/XXXX capital one rebilled me the XXXX which is wrong because I sent the item back to the merchant and also the merchant never refunded me back for the returned incorrect item the merchant even sent me a letter via mail saying I owe them the XXXX that I disputed with my credit card company so the merchant in reality got there merchandise back plus got to keep the XXXX since the credit card company rebilled me and I got nothing out of it I have a tracking number to prove that the item was sent back to them I've attached a letter from the merchant aswell as a tracking number
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (FL)

I was checking my credit report in XXXX and I saw that there is an account that is not mine. 
original creditor XXXX XXXX. 
balance {$4700.00} I did not open this account I was opened without my authorization I have never applied for credit with XXXX neither in the past nor in the present I want them to open an investigation I was a victim of identity theft I never authorized to give credit in my name you can contact me at any time for if you have any questions
Consumer complaint received 2020-10-05
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (SC)

My husband and myself refinanced or mortgage and paid off IN FULL our credit cards, on XX/XX/20. I have the cancelled check and confirmed with our attorney that the funds cleared on XX/XX/20. Amt is {$450.00}, check # XXXX. QVC/Synchrony Bank continues to charge me interest. They say I now owe {$600.00}. NEEDLESS TO SAY, MY CREDIT SCORE/HISTORY IS TAKING A HUGE HIT. I have been in contact with them continually but to no avail. Please help. 

Thank you, XXXX
Consumer complaint received 2021-05-14
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (IL)

I applied for credit card through the telephone. I own 2 homes. The Discover rep completed the application using the incorrect address. Security flagged account for address discrepancy ( that was good ) I called and was told the problem would be resolved and I would be receiving a new form to fill out to fix the discrepancy 2 or 3 weeks l received communication that the card was closed ( I never could activate it so I do not understand how it was closed if it wasn't activated ) they reported to credit agency. I do not think this should effect my credit. Discover did not address my complaint beyond " maybe someone will call, maybe not "
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (TX)

XXXX XXXX Genesis FS Card Service is all of a sudden charging a way higher monthly charge when my balance is actually less than it's been in a year. 
I have a {$1500.00} Credit limit. I currently carry a balance of {$810.00} and they are charging me a monthly charge of {$90.00}. I called them on XX/XX/XXXX @ XXXX and disputed the charge. They couldn't explain why the sudden increase and said they would have someone call me regarding the dispute. That never happened. The fact is that in the past my balance/ monthly charge have been the following.. 
XX/XX/XXXX {$870.00} {$72.00} monthly charge XX/XX/XXXX {$950.00} {$73.00} XXXX/XXXX {$930.00} {$47.00} XX/XX/XXXX {$970.00} {$49.00} XX/XX/XXXX {$1000.00} {$53.00} XX/XX/XXXX {$1100.00} {$55.00} XX/XX/XXXX {$1100.00} {$59.00} XX/XX/XXXX {$1200.00} {$64.00} XX/XX/XXXX {$1200.00} {$63.00} XX/XX/XXXX {$1300.00} {$66.00} XX/XX/XXXX {$1300.00} {$69.00} XX/XX/XXXX {$1400.00} {$70.00} This is the last statement available on line. 

But as you can see, I've carried higher balances and my monthly has adjusted accordingly. But when I asked them to explain how they came upon charging me {$90.00} they said it was due to the purchase I made back in XX/XX/XXXX. Funny, because my statement with my charges from XXXX were posted on my bill due on XX/XX/XXXX, since the statement closing date is XX/XX/XXXX. In the month of XX/XX/XXXX I also paid down my card making a total of {$880.00} and the new purchases were in the amount of {$190.00} and {$690.00} ( which has a promotional 0 % until XX/XX/XXXX ). 
Are they trying to penalize me for paying down my card?? I paid off 90 % of my previous balance before the closing of XXXX and all of a sudden starting XX/XX/XXXX my monthly charge sky rocketed. 
Like I said, I called them was on the phone for XXXX minutes and they couldn't give me an explanation of why they were now charging me {$90.00}, they said someone would call me back since I was disputing the charges and no one did. I didn't pay the {$90.00} due on XXXX ( also now I'm not allowed to pay my bill early, it can only be on the due date ) so they are now charging me {$180.00}?????? They are very unprofessional and it's evident the staff is not well trained and management does not care about resolving a customers issue with billing. Since closing my card is not an option because it would hurt my credit, I come to you to help me resolve this. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-04-10
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, ( Original Creditor : ) # XXXX, XXXX # XXXX, has violated my rights. 

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