davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
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: 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 XXXX  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 XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NC)

Comenity bank has been inaccessible since last week, XX/XX/XXXX to present. Can not login to check balance, says you can make a payment but get a login error when trying to do so. 

As of XX/XX/XXXX they also say their offices are closed due to unforeseen circumstances. still can not access account. Have reached out on various social media platforms, response is auto generated and vague
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank has failed to allow access to customer accounts and is charging interest and fees. Comenity bank has locked me out of my account for months and has not had any customer service to access the account. Comenity has not been drafting my payments from my account for months now, which I initiated through " Easy Pay '' that allows to you pay your bill without Sign-on. Again, they are charging fees and interest during this time, this seems very criminal and similar to extortion.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I am trying to make a payment through XXXX Comenity payment portal but the site has been down since XX/XX/XXXX. They have turned off the customer service phone lines and there is no way to contact a rep nor any way to make a payment. Most importantly, there is no estimate as to when systems will be back up. This is messing with peoples credit.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-09-10
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. (GA)

Account Name : XXXX XXXX BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 XXXX Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to XXXX, Equifax, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (PA)

I opened my loan in XX/XX/XXXX when I closed on my new home. I was told that if I did not use the bank to escrow my taxes I would have to pay a fee. So I let them escrow my taxes. I was told that the additional escrow funds collected at closing could be used to pay interim tax bills. I sent 2 interim tax bills to them in late XXXX. In XX/XX/XXXX, I receieved notices from both agencies with late fees. I called and was told they do not pay interim tax bills. I asked what the procedure was to pay my own taces and get the funds back that were in my escrow account. I had to pay a fee of $ XXXX and fill out some forms. I paid the fee, and a few days later, was approved to pay my own taxes on XX/XX/XXXX. At that time, I was told by Union Home Mortgage that I would receive a check for the {$4700.00} in my escrow account within 30 days. I called last week for an update and was told the check was being mailed by end of week. As of today ( XX/XX/XXXX ), my account still shows that full amount in escrow account meaning the check is not even in process. I emailed the company today ( XX/XX/XXXX ) for an update, no response yet. I also tried calling today but was told they were having system issues. It is now past 30 days and I do not have check in hand as promised. Please help me to get this resolved. Thank you!
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I have been trying to reach Comenity Bank since XXXX XXXX and it is now XXXX XXXX  and I can neither reach them by any of their phone numbers or their website. I need to make a payment today, and there literally is no way for me to do this.
Consumer complaint received 2022-08-22
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 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 XXXX has me at a score around XXXX. 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-10
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. (MS)

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My transunion credit report is still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX all of which are fradudlent. 
My XXXX  credit report is still reporting 5 XXXXXXXX XXXX  XXXX XXXX accounts, XXXX XXXX XXXX XXXX. Last, my XXXX credit report is still reporting XXXX XXXX XXXX XXXX XXXX accounts. Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX, stress, and financial hardship.
Consumer complaint received 2022-10-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group (TX)

Due to XXXX back in XXXX we applied for rental assistance. We were approved & the city of XXXX XXXX Texas paid our rent that was due until the end of our lease which was the end of XX/XX/XXXX. I have provided all this information ( documents ) from the city showing proof that our rent was paid for. XXXX XXXX was the property. Phoenix Recovery Group is the collection agency. After I showed proof to both parties I received a email from XXXX XXXX XXXX from Phoenix Recovery Group stating that they had received a call from XXXX XXXX and they had confirmed that they had received the proof of the rental assistance. But now they charging us XXXX for something else they came up with. This item was just sent to collections this year in XXXX. I believe this to be fraud trying to collect money that was already paid. I've even provided the check number and account number that city gave to give XXXX XXXX Please help me with this matter. Thank you
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. (NY)

TransUnion continues to violate my consumer rights. I have a right to complete and accurate information in my file. TransUnion is an accessory to fraud. By furnishing inaccuracies they are making me even more susceptible to identity theft. I demand these violations end.
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: Experian Information Solutions Inc. (GA)

This is my 3rd time submitting a complaint please help me!!!! I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with experian, XXXX, XXXX for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because Im a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (MD)

I am a consumer by law and my information was misused and now I have false information, not 100 % accurate accounts on my credit report. All being unauthorized use of my credit report.
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. (FL)

I have a Comenity Sony Credit Card and am traveling almost XXXX miles away from home. After 2 days ( and confirming via text that the transactions are indeed mine from traveling ) my card is getting declined. I went online but the site is undergoing planned maintenance that is running longer than expected and I have no access to my account. I tried calling the customer service line ( XXXX ) and the fraud department and it all says that they can not access accounts and it hangs up on you. I dont know if there is fraud on my account or if the maintenance causes the declines, but Im running out of other funds fast. How do I get help?
Consumer complaint received 2022-08-22
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. (GA)

There is inaccurate information on my credit report. It's a billing error I've always paid as agreed. Secondly, there is no such thing as a late payment. As furnishers, Transunion has a responsibility to report 100 % accuracy.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 


XXXX XXXX XXXXXX/XX/2013 I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My personal information was leaked in the XXXX and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX XXXX account and fraudulent hard inquiry to be removed from my TransUnion, XXXX and XXXX credit report immediately.
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: Experian Information Solutions Inc. (NC)

i have sent experian multiple fraud ftc id theft reports and a police report to remove negative items off of my credit report. i have been the victim of fraud and id theft. i wanted them to remove all XXXX accounts, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX accounts and they did not remove all of them. XXXX and XXXX have already done so. i need for experian to do the same because i am trying to purchase a home so that i do not become homeless in the process as i am a XXXX veteran
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: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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: 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: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

To whom it may concern, I trust this message finds you well. I am writing on my behalf to address a recent 30-day late payment entry on my credit report, specifically from XXXX XXXX XXXX 

*Proven Financial Responsibility : * Throughout my credit history, I have consistently demonstrated responsible financial behavior, maintaining a strong track record of timely payments. The recent oversight is an anomaly and not indicative of my usual financial habits. 
*Challenges Due to Loan Company Practices : * The late payment was exacerbated by challenges stemming from the practices of XXXX XXXX, such as a. Not reinstating my autopay when I called in on XX/XX/XXXX and b. Prior to calling in on the XXXX - XXXX XXXX  had a bug on their website where customers were unable to make payments. This bug lasted a few days and led to me wanting to utilize auto pay in order to say current. These external factors contributed to the delay in my payment, despite my ongoing commitment to meeting financial obligations promptly. 
*Consistent Positive Payment History : * Over the years, I have maintained a commendable payment history with XXXX XXXX underscoring my commitment to fulfilling my financial responsibilities. This isolated incident does not align with my established pattern of responsible credit management or XXXX XXXX and Is outstanding relationship. 

Considering my overall creditworthiness and the external challenges posed by XXXX XXXX procedures, I kindly request the removal of the 30-day late payment entry from my credit report. Doing so would ensure a fair and accurate representation of my true creditworthiness and financial responsibility. 

I appreciate your attention to this matter and thank you for considering the circumstances surrounding this isolated incident.