davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date, over 45 days later, I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It is beyond their 30 days investigation time so these items should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P. (CA)

XX/XX/2021 LTD FINANCIAL XXXX XXXX XXXX called my daughter on her cell phone he started to tell my daughter that i have a debt and that it needs to be paid he gave he the dollar amount and was telling her that I need to pay the debt. He is calling her everyday and leaving messages but not leaving a phone number. In the messages he address that card information the amount that is owed. I spoke to a XXXX today to explain that this XXXX person has validated my privacy by given a lot of my information to an other person. He panicked and started to say that my daughter address herself as me XXXX and she told him NO SHE DID NOT he did not give her a chance to answer to just started talking. 
i TRIED TO MAKE A RESOLUTION BUT THEY DID NOT AGREE.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (PA)

A payment was made to Nordstrom Credit card on XX/XX/XXXX for {$500.00} dollars for XX/XX/XXXX payment. The payment was processed for XXXX instead. Which showed a double payment in XXXX. 
Upon calling Nordstrom I was told by a rep the money would be refunded to my bank account so I could make the payment again and have it processed on a different date. 
The {$500.00} payment was not reversed or refunded! When I reached out to Nordstrom after waiting for more than week they then shifted the information! 
The credit agency has more than enough options to fix this and they are not! 
My account is paid on time every month properly. 
They would not change due date or accommodate the issue they stated would be corrected!

And I was advised by Nordstrom to contact bank and lie, like this is crazy.

Easy fix being made more difficult
Consumer complaint received 2021-11-27
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: Experian Information Solutions Inc. (CT)

I have ALWAYS had insurance, I go to the ER, had my insurance card and I get a call maybe a month later from a collections company about the ER bill, I explain I was / am fully insured and they did an " investigation '' that we all know is a lie because they are paid by their client not me... never heard anything back and it ended up on my report. 

Disputed it XXXX times and since all MY info matches it " valid '' in reality this has stopped me from getting credit and on my latest vehicle raised my interest. 

This only happened because their " client '' was too lazy to run my insurance and decided to bill me and when I challenged it they didn't care.. this is PURE 100 % fraud Worth noting that XXXX saw my evidence ( which I will upload here ) and removed it from my report, rightfully so
Consumer complaint received 2021-11-27
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-06-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2022-06-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Investment Retrievers, Inc. (CA)

XX/XX/2008 Judgment entered date, this was fraudulent debt by XXXX XXXX XXXX XXXX. This was not signed by me or any part of me I ignore the initial Collection back in XXXX, as I have no knowledge of the debt back then, now its going to after my wifes Property, I must ask for help with this fraudulent debt wasnt create by me.
Consumer complaint received 2021-11-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 I sent a letter regarding inaccurate and misleading items on my credit report. To this date, over 45 days later, I have yet to receive a response. I feel like my request is intentionally being ignored or the bureau is taking advantage of my credit situation. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has it is past their 30 days investigation time so these items should be deleted properly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-06-28
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)

I'm writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I opened a joint account with my XXXX year old daughter. A few weeks later, her debit card was hacked. We were notified by Bank of america that the account was being used. We tried to contact bank of america on several occasions to cancel the card. Spoke to 3 individuals at BofA including supervisors before the issue was apparently resolved. I recently received a letter from BofA stating that I was responsible for the charges because I was logged into the acct. No further infomation about the investigation was giving. I contacted BofA two more times explaining that I have no idea what the charges were. I was advised that the matter is closed and I would have to write them a letter to start the process over again. this has been going on for several months now.
Consumer complaint received 2022-06-28
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, 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
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC (NY)

Collection agency Cavalry Portfolio Services reported a fraudulent debt to the credit bureaus saying I was 120 days past due on a debt I knew Nothing about until my bank told me my credit score had declined by XXXX points. I called Cavalry - spoke to XXXX XXXX today XX/XX/XXXX, at XXXX who wanted the account number that I never had and then said to investigate me I had to prove it wasn't mine. Then she said the original debt was from XXXX, and could I prove I didn't live in Florida then. I have never lived in Florida, I have been at my XXXX address since XXXX. I have had second houses in XXXX  and XXXX, never FL. Then she said the investigation would take 60 days but they would never tell me what happened because I said reporting it to the credit bureaus without contacting me first lacked due process and was harassment. I have been the victim of identity theft, so all three credit reports are frozen
Consumer complaint received 2021-12-10
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. (IA)

On XX/XX/2021 I signed up for XXXX XXXX rewards only and a credit application was filed. I did not approve this and a hard inquiry was done. I did not recieve a letter of approval or denial and I didn't recieve a credit card. I called XXXX XXXX and they said there's no record of an application. I called TransUnion and they told me they needed a letter from XXXX saying there's no record. I called XXXX and they said it was sent but TransUnion still hasn't removed it from my report. Please help.
Consumer complaint received 2022-06-28
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NJ)

I have a XXXX  XXXX credit card issued by Comenity Bank. I am unable to access the account through the online login. I am unable to call the number. I am unable to make a charge on the card even though the outstanding credit is sufficient. I am on vacation and this is causing a bit of a problem. I just made a payment to them through my checking account using online banking around XX/XX/XXXX and XX/XX/XXXX. Other people are posting the same problems on social media. This is unacceptable. They are saying the system is down but it appears to be something quite serious that should be publicly announced to the customers.
Consumer complaint received 2021-11-27
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX {$6500.00} XXXX XXXXXXXX {$9900.00} XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX {$2300.00} XXXX {$630.00}
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-01
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I have a bill for {$1300.00} due on XX/XX/2022 for Comenity Capital Bank ( XXXXXXXX XXXX XXXX  credit card ). 
I paid in full on XX/XX/2022. On XX/XX/2022, I noticed that the money was still sitting in my checking account. I called my bank ( where the checking account is ) to see if they ever received the ACH. They told me no. I then called XXXX XXXX who said that there was no issue with the payment, and it was delayed due to XXXX 's XXXX. 
On XX/XX/2022, I logged into my Comenity account where it said that the payment was returned/cancelled on XX/XX/XXXX. Comenity gave me no notice and no explanation why. 

I have scheduled another payment for XX/XX/2022, but I suspect that Comenity will find more reasons to delay, cancel, or somehow interfere with the payment going through. This will give them the opportunity to charge interest and late fees. I have never been late on a payment in my life. I wish Comenity would accept my payment.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been disputing my credit report for over ten years. My complaint are agaisnt the three credit bureaus XXXX, XXXX, TransUnion :!. ) reporting Inaccurate history 2. ) Failure to not report disputed iteams 3. ) Refusal to correct information after proof has been giving XXXX. ) Abusive calling of collection agencies 5. ) being harassed by collection agency. 
XXXX XXXX XXXX ( XXXX & XXXX, XXXX ), states I owe them {$7000.00} for a vehicle I was a cosigner on. The vehicle was sold at acution, I had another vehicle that was repossed and sold at acution, they sent me a 1099-G. XXXX XXXXXXXX ( XXXXXXXX XXXX ) says I owe them {$160.00} for car insurance that I did not have with them. I am tired of playing this game with the three credit bureaus and collection agencies. I can ; t get a home, a car or live life at XXXX because of mis reporting and misconduct towards my credit ENOUGH
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc. (OH)

Currently have a BJ 's credit card through Comenity Bank. Been trying to log in online since XX/XX/22 and the website has been " unavailable due to a system upgrade. '' My bill is due on XX/XX/22 and I was trying to pay it since XX/XX/22. On XX/XX/22 reached out to Comenity via XXXX due to the fact that the website and now phone lines are all " unavailable. '' Received generic response that " they are working hard to correct the issue etc ... '' Stated I would " not be charged a late fee as long as I pay my bill before the next statement is generated which is XX/XX/22 '' However the company can not give a time frame to when the website will be up and running. When you call customer service it gives a generic auto response then disconnects you.There are thousands of people on social media complaining about this issue with Comenity Bank as they hold several large store credit cards. I was expecting 3 refunds on my credit card around XXXX and I can not log in to see if those were able to be posted. One refund from XXXX XXXX was for {$1300.00}, one refund was from the XXXX XXXX XXXX for {$220.00}, the third refund was also from the XXXX XXXX XXXX for {$70.00}. This " system upgrade '' has caused a major inconvenience to consumers for 6 days now. I can't use my credit card or pay my bill. I have never been late paying my bill. A " bank '' this large should not be experiencing these issues. Rumor has it they were bought by Bread Financial. I did not receive any correspondence whatsoever about my current credit card being bought out or taken over by another financial institution.
Consumer complaint received 2021-11-27
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: Experian Information Solutions Inc. (MI)

In the past I had a secured credit card with XXXX Bank. The card was eventually lost or stolen and charges were made on my behalf. The account was closed and reported as a charge off. Because the account was secured with {$250.00}, the balance of {$300.00} was reduced to {$58.00}. Although not responsible, I paid this balance in full. I contacted the creditor and asked for the account be updated correctly or removed completely as terms of our payment agreement to which they agreed. Months have gone by and they still report the account incorrectly per our agreement because it is still harming my credit. They continue to update this as a charge off. I would like the account to be removed completely from all my credit reports.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

I have a US Bank Debit Card, and checking account. My checking account keeps locking my card! I called in and texted the fraud number amd emailed to unlock my card! My card remains locked and the bank apparently is refusing to unlock it! Pardon my lack of proffesionalism but this frigging ridiculous I want my card unlocked, monetary compensation from US Bank or I'm going else where with my buissness as this is the XXXX or XXXXXXXX time my debit card has done this this is also the XXXX or XXXX cfpb complaint issued on this subject! This also happened when I opened by account in XXXX! As stated I called in, emailed and sent in the text reply! Your fraud system is beyond hindrance to your customers!
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and I want it investigated and removed from my credit report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX