davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

1.I have never had an account with this company CB/LNBRYANT XXXX* , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/LNBRYANT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : Trans Union : XXXX of XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX M XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. 
I need these fraudulent inquires removed from my credit reports.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-10-16
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. (MI)

I previously had an investigation into accounts reporting incorrectly on my credit report in XX/XX/XXXX.  Equifax could not validate the debts and therefore removed them from my credit reports in XX/XX/XXXX.  Equifax has experienced yet another security breach. I noticed the items that were previously have reappeared on my credit report. There was no notification which is in violation of the FCRA. 

The accounts are 1 ) XXXX XXXX XXXX {$3400.00} 2 ) XXXX XXXX {$2000.00}
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (PA)

This company is informing all major credit bureaus that i owe numerous accounts with XXXX XXXX XXXX. They have not presented a wet ink signature contract with them and this debt they claim i have is not valid. This company needs to remove this wrong information or i will consult legal action.
Consumer complaint received 2022-08-10
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. (MI)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX Balance : {$430.00} Bankruptcy : XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for investigation of a which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. Experian will also not allow me to do these disputes online. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Consumer complaint received 2023-03-31
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: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 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 did not get to me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I am writing to dispute the invalid late payments listed on my credit report and request their removal in accordance with U.S. Codes 15-1681, 15-1666b, and 15-6802.

U.S. Code 15-1681 mandates that credit reporting agencies maintain accurate and fair reporting. Any unverifiable or incorrect information must be removed. 
U.S. Code 15-1666b ( Fair Credit Billing Act ) requires creditors to investigate billing disputes before reporting to credit agencies. My disputed payments should not have been reported. 
U.S. Code 15-6802 protects consumers ' financial privacy, ensuring that personal information is not shared inaccurately. 

The reported late payments are invalid and negatively affecting my credit. The FCRA allows me 30 days to rectify payments, and I request the account be updated to reflect " PAANL Paid As Agreed, Never Late. '' Please take immediate action to remove these inaccuracies and update my account. I can be reached at the contact information provided for further discussion. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I noticed an unusually large number of unauthorized inquiries on my XXXX, XXXX  and TransUnion credit reports. 

Via certified mail, I submitted a FTC identity theft report to each credit bureau along with a copy of section 605 of the FCRA and a copy of my drivers license so the inquiries would be blocked within 4 days of receiving the letter per the FCRA criteria. I have proof the letters were received by each credit bureau on XX/XX/2019. 

It is XX/XX/2019. As of today the inquiries have not been blocked per the FCRA regulations.
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Asset Recovery Group, Inc. (CO)

medical bills of more than $ XXXX @ XXXX % ; my mail was not forwarded from an old address ; abusive call on XX/XX/XXXX from XXXX at XXXX XXXX, WA XXXX Very rude and threatening. 
I 've paid off all the debt, and need some form of written record of that. I requested this several times in XX/XX/XXXX, with no result. I have my CC receipts, but called them to request a record on XX/XX/XXXX " We ca n't do that '' After XXXX min. on the phone, they said it was going in the mail the next day, I have yet to receive anything.
Consumer complaint received 2022-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

My joint ( my spouse and I ) personal account at CITI was compromised on XX/XX/2022 around XXXX XXXX. A fraudulent domestic wire for {$27000.00} was made using our checking and savings account. My phone was also hijacked through a sim swap at the same time. Therefore I wasnt made aware of this transfer until I was able to fix my phone. At about XXXX, the same day, XX/XX/2022, we informed the CITI fraud department and I was told that everything has been blocked. We also called the wire transfer department at XXXX on XX/XX/XXXX and were told that the wire transfer was cancelled. 

We are now been informed that wire was actually released within one hour of request and we dont have those funds anymore. We have filed a case with our branch by filling an Affidavit of Unauthorized Online Wire Transfer. Attached below Please take immediate action as we are a middle class family and this is our primary bank account. This has huge repercussions for us and has impacted us deeply and affects our ability to pay for our basic necessities like food, health insurance, childcare etc. It is a loss that we can not accommodate and it is due to no fault of ours. 
We are long standing customers of Citibank and rely trustingly on our banking institutions for the security of our funds.
Consumer complaint received 2022-03-02
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00}
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a paid judgment of my credit report in the amount of {$1200.00} date d  X/14 . I  have mailed copies to all  XXXX  credit bureaus (  XXXX ,  XXXX  and Transunion  ) sh owing proof that I won this case back in    2014 I b elieve. They only show it being paid and have not removed from my report. It clearly states in the final judgement "  Counter Claim Offset '' so Im n ot sure why this is listed on my credit report and I would like this information to be removed because it is affecting  my credit score altho ugh is paid.
Consumer complaint received 2021-04-30
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)

There is a inquiry on my report I do not recognize from XXXX 's with the pandemic and all why are some companies posting applications, please remove this inquiry from the transunion report
Consumer complaint received 2018-03-21
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. (VA)

In XX/XX/XXXX, we were pressured to try a {$6000.00} vacation club membership from XXXX XXXX ( Travel Club ) out of XXXX, Florida. The sales method was a ) predatory, as described in the letter to them on XX/XX/XXXX ; XXXX and b ) none of what they promised existsno services we tried to access worked. Consequently, we sought termination of the contract for reasons of false representation of the travel club, and full restitution of the {$6000.00} paid for membership. We sent them a certified letter to that effect on XX/XX/XXXX. The presumed debt was sold to XXXX XXXX, which is constantly harassing us with phone calls, and repeatedly pressuring my husband, XXXX XXXX, to make payments. I have informed them that we terminated our agreement for nonperformance and that my husband is retired, XXXX and has suffered from a XXXX XXXX. I have told them repeatedly to stop calling us. They continue to do so. I received such a call on XX/XX/XXXX, and told them firmly that we were filing this complaint, and to stop calling. Today, XX/XX/XXXX, they AGAIN called my husband and bullied him into making yet another payment! In addition to breaking federal consumer protection and credit laws, this also constitutes elder abuse. I seek restitution of the stolen funds and cessation of these calls.
Consumer complaint received 2022-08-10
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. (GA)

I disputed a number of accounts with all three of the major bureaus in XXXX of this year. I requested a number of things to be corrected or deleted and I have still received nothing and it is now XXXX which is 4 months later. This is completely unacceptable and I will be attaching every letter that i sent as well as proof of delivery to each bureau as i sent my letters certified mail. Under the FCRA this is a major violation and I demand all items removed immediately.
Consumer complaint received 2017-10-16
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. (NY)

I HAVE ATTACHED MY DRIVER LICENSE FOR NAME SPELLING AND ADDRESS PROOF. ON MY CREDIT REPORT I HAVE FRAUDULENT NAME SPELLING AND ADDRESSES ALSO SOCIAL SECURITY NUMBER VARIATION THAT IS NOT MINDS. I EVER GAVE ANY ONE CONSENT TO USE MY PERSONAL INFORMATION IN ANYWAY. I HAVE ATTACHED MY CREDIT REPORT WERE THE FRAUD IS SHOWING.
Consumer complaint received 2022-09-07
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. (NJ)

fraudulent hard inquiries on my account I didnt consent to pulling my credit XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-09-07
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. (NJ)

fraudulent hard inquiries on my account I didnt consent to pulling my credit XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-09-07
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. (DC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, 1 ) XXXX XXXX, ACCOUNT # XXXX, 2 ) XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX, 3 ) XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, 4 ) XXXX # XXXX ... .HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 ( A ), STATES, I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 ( A ), ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 I received a letter in the mail saying that my recent application for a Wells Fargo deposit account is being denied. My application was evaluated by a company named XXXX XXXX XXXX XXXX but no where listed in the letter stated why my application was being denied or what information was used to come with this decision.
Consumer complaint received 2022-08-10
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX, Dept of EdXXXX Acct XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX, US Dept of Education Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 an account without my written instructions.