davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MN)

Comenity bank holds the balance on my Wayfair card. I have XXXX access to my account. When I log in, it incorrectly tells me my account is closed. The customer service agent stated that my account was recently moved to XXXX ( it was not moved to XXXX, I never opted to take a new Wayfair account with XXXX when they took over ) So I once again had to take another hour to sit on hold hoping someone would answer their phone. They dont respond to messages, the customer service number is a joke. Ive sat on hold for hours only to be disconnected, played a message that their updated system is having issues or somebody answers and does NOT help or even speak English close enough to understand. They ban access to make a payment online or on the automated number and then have the nerve to charge {$9.00} for one of their customer service agents to make a payment for me from my checking account. My payment was due earlier in the month and there is no way to receive help on this matter. I have never missed a payment or been late with a payment. Im concerned they will be reporting me as late to the credit bureaus and charging more late fees and interest.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (PA)

15 U.S.C 1681 section 602 A. States I have the right to privacy XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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. (PA)

15 U.S.C 1681 section 602 A. States I have the right to privacy XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-06-22
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)

I have previously disputed a bankruptcy that you have listed on my consumer profile and asked for proof of verification for this account. please be mindful that this matter is pending litigation and you must provide proof or remove this account immediately!
Consumer complaint received 2020-04-29
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$5800.00} BANKRUPTCY CHAPTER  XXXX XXXX {$0.00} BANKRUPTCY   CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-07-11
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)

I have contacted the credit bureaus to do a thorough verification of everything on my credit report and they did. They stated that everything was accurate. I did my own thorough research and found improper inaccuracies on my credit report, even after the credit bureau 's thorough research. 

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX  # XXXX ; XXXX XXXX # XXXX ( account numbers are inaccurate ) h

as 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 2022-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TN)

On XX/XX/2022, I received a letter from the company Radius Global Solutions, LLC, stating that I owe a debt in the amount of XXXX dollars from a company called XXXX XXXX. I filed a complaint with Radius Global Solutions in XX/XX/2022, stating to them that it is a fraud account and that I did not purchase anything nor applied for any credit and that someone applied for something in my name. I asked Radius Global Solutions to cease and desist all collection activities. I told Radius Global Solutions that the debt is not mines. Radius Global Solutions ignored my demands. I also asked Radius Global Solutions to have no contact with me and don't put the debt on my credit report. Radius Global Solutions sent me a letter on XX/XX/2022, I received a validation letter with just only a transaction history letter. So I decided to file a compliant.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper has acknowledged that my mortgage loan is paid in full as of XX/XX/2021. ( Please see attachment # 1. ) Mr. Cooper has also sent me correspondence showing that the Escrow Account Balance is {$1000.00} and that there are Unapplied Funds in the account in the amount of {$1600.00}. In the same correspondence there is verbiage about returning excess funds. ( I included it below and highlighted it in attachment # 2. ) How will I know that the payoff is complete and final? 
Upon processing of payment in full, and within State specified guidelines, the necessary documents will be forwarded to the Trustee and/or County Recorder 's Office to release our lien. When applicable, and as mandated by state guidelines, any overpayment or remaining escrow funds will be disbursed off the loan no more than 20 business days after the payoff has occurred and will subsequently be mailed thereafter. 

**We recently sold another home ( paid off the loan with another lender ) and received a refund of the escrow account balance within 10 business days. I am not sure what the hold up is with Mr. Cooper.
Consumer complaint received 2019-09-27
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. (ID)

XXXX ; XXXX and Transunion are reporting incorrectly a late in XX/XX/2018 on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am in school and these loan payments have been deferred and therefore there are no late payments to report. This incorrect reporting of a late is harming my credit score and these lates need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-04-12
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. (FL)

The Department of Education still has incorrect information on my credit report. I have reached out to Transunion and XXXX  about the incorrect information. All of my student loans have been consolidated. They are in forbearance. That is what my balance history should reflect also.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmeriCollect (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-12-08
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: AMERICAN EXPRESS COMPANY (IL)

1-American express refuse to give me waive of interest rate becuase of covid they give it to some other customers, they giving me high interest rate that they call it apr very high.

2-i signed up for XXXX XXXX XXXX and it was like voice phone calls but it was like people cant hear me and i cant hear them i complained many times and decided after long months to cancel but i noticed that canceling the service and dispute and change the card twice not enough to stop this XXXX XXXX from taking fees on my credit card i even got emails from XXXX XXXX that they made sure this service is no longer charge me but yet all of this is not enough ( attached email from XXXX they cancelled me on XXXX and attached American express charging me for XXXX so for example they charge me XXXX XXXX and they refund me, yet they charged me on XXXX where each time i had to contact credit card American express and XXXX XXXX and im tired from these calls so this service make my minimum payment goes up to XXXX $ interest rate is XXXX $ where its double comparing to other credit cards American express use the lowest credit score service i dont use American express card they say they wont waive the interest rate because of covid becuase they see my spending, i dont spend money the spend that they point at my car insurance for six month which i paid it to American express credit card before i pay for the car insurance which both occurred on the same day.i thought this way i make American express happy that i used their credit card instead they put back the interest rate and refuse to remove it since XXXX where i didnt pay attention that they completely stop using the waive interest rate because of covid where as you know car insurance is mandatory not choice and it didnt raise the balance its like the balance stayed the same.but it created activity and plz tell them that its like i paid the car insurance cost immediately to American express where the balance stayed the same on my account
Consumer complaint received 2022-07-11
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, and XXXX XXXX account # 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 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 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, I gave my debit card to a XXXX a lady to withdraw {$1000.00}. The location of the bank of america business center is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, ca. She asked me to enter my pin. I did and the machine read approved. But the tele did give me the funds. She asked me to go and is the atm. I refused. I went home and called the fraud department. A new debit was issued to me. But I never received my {$1000.00} until today. I filed multiple disputes to no avail. On XXXX, I found out my signature was placed on a claimant statement and someone filed a claim without my permission. 
In addition on XXXX, {$1000.00} was taken from my debit card in a XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX. I gave the XXXX a lady my debit card. I entered my pin. The machine reads approved. But this tele did not give me my {$1000.00} too. When I asked to talk to a supervisor, I was told no supervisor is available. I was told to use the atm machine by a male banker. After I entered my pin. I never receive my {$1000.00} cash. After I complaint, One lady told me that their atm machine has been giving them a lot of problem. I went home called the fraud department. A new debit card was issued but I never received my {$2000.00}. Also, there were unauthorized transactions on my debit card without my authorization. Their research department refused to honor my claim that I did not get service for these transactions.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Hello I am requesting the removal of a bankruptcy from my Experian report, and XXXX XXXX report. Per tge FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original Creditor, they must remove said information from the consumer credit file ''. 

Bankruptcy Case number # XXXX The County Recorder of Deed and Bankruptcy Courts have mailed me letter which stated thaty do NOT provide any nformation to credit reporting agencies, nor do they ever validate and/or confirm pubic records. Public records information is NEVER valiated by the Recorder of Dees nor the US COurt system due to the Fair Credit Reporting Agency Privacy Law. 

Per the Federal Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are require by federal law to verify through physical verfication of the original signed consumer contract and or judgemnt all accounts public information that you post on anyon 's credit report. As such, if this unauthorized pubic recored information is not deleted from my credit report within the next 30 days.
Consumer complaint received 2022-07-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Omni Financial Corp. (FL)

Re : XXXX reporting derogatory inaccurate information to credit bureaus without prior written notification. XXXX XXXX Debt not reported by XXXX Dear XXXX : Im a physically handicapped person who pays bills respectfully upon receipt by USPS every month in a timely fashion. I have been a customer of Southeast Toyota Financial for more than a decade and until yesterday never had any problems. Although that XXXX did not in fact send me any bills or past due billing notices by neither USPS nor by email, but rather reported inaccurate statements to my XXXX credit file as of yesterday. They, XXXX, have not in fact been providing any written notification or communication whatsoever to myself, the customer who currently has made all payments to the current date. Rather than acknowledge all of my own written and verbal conversations with their representatives with regards pertaining to their false, derogatory and slandering information they reported to my XXXX credit bureau. Theres nothing in writing as well to at least provide a late notice warning to make myself, the customer, aware that they are going report to the credit bureaus if my account doesnt have current status. Not only did XXXX never send any monthly paper statement or electronic statement, they actually had the audacity to report that I had personally requested electronic billing which I have never done so in more than a decade as a customer of XXXX.Not only did I make them fully aware of my intentions to send two months of payments simultaneously for XXXX and XX/XX/XXXX, but that payment was received and processed by XXXX before I had even received any notification from my credit bureaus until just now. I have numerous correspondence with XXXX in their website messages and have had been treated unprofessionally with hostility when speaking with their representatives about this situation. 
I have initiated disputes with all bureaus and I just wanted you to be aware of the situation. Finance companies are obligated to notify their customer if theyre going to refer them to an outside credit bureau or third party company prior to submitting negative and derogatory information. This is part of the FTC and unlawful and deceptive trade practices.I have never been treated with such unprofessional customer service from XXXX or any other during my time driving and if their company had sent their required paper statements every month as always, this would not be an issue. I will send you all correspondence in an attachment and hope that something can be done to resolve. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my XXXX and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your XXXX XXXX.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law XXXX result in legal action against you. All inquiries in Identity theft are not mine. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2021-04-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (MA)

I had a lease with Hyundai Capital America. I turned in the car without any issue/ late payments etc. I dropped the car off and that was the end. Hyundai said they sent one letter that had a final payment of {$450.00} excise tax and {$250.00} drop off fee but I never received this and they never attempted to contact me. When I started my credit report is where I noticed it said {$700.00} WRITE OFF / CHARGE off so I called to inquire about this and why they didnt tell me. I paid off the {$700.00} immediately and I submitted to the credit bureaus the dispute with the paperwork showing this is paid. I called HYUNDAI several times to adjust the negative comment on my credit report and they say they listed it as PAID but they can not remove the WRITE Off/ CHARGE off amount that is still negatively affecting my credit score as I want to purchase a home. I have called Hyundai and Written them along with disputing thru the credit bureas but this is still showing up negatively on my credit report and its not fair.
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2022, I ordered a product for brush control in the amount of {$78.00} ( Total charged to my Pay Pal account {$84.00} ( including {$6.00} fee ). I never received a confirmation of my order, so I contacted Pay Pal and filed a dispute. They claim the money was refunded, but it is not yet reflected on my account.

Instead of processing my order, the vendor treated it like a money transfer using my account. Here is the information I have on the vendor : Case ID : XXXX Disputed amount : {$78.00} USD Seller info : XXXX Date reported : XX/XX/2022 Pay Pal has failed to communicate further with me about this. I have attempted to contact them.