davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX has the most apathetic customer service I have come across. They have 1+ hour hold times, and then when you finally get through to someone, they are rude and boorish and lacking any customer service skills or knowledge about their own bank systems. Their secure messaging team never responds even after sending multiple messages for the same request. These super sub-standard online banks are forming like mushrooms and harassing unsuspecting customers. 

I came to know that they had put a restriction on my account when an outbound transfer from an external bank was declined. They did not bother to notify me in any way. So, I called Bread and they told me to send certain documents which I did. I messaged them multiple times after it. No one responded. Today, when I call back 4 days after sending the document, an extremely rude female called Virginia was asking me whether I had sent the documents. I was surprised that no one had even looked at them. When I started questioning her, she hung up. 

This bank / service or what ever this is, should be closed down.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (IN)

In XXXX of XXXX, I applied for a XXXX XXXX credit card as Credit Karma had been informing me for 6+ months that I was pre-approved. I needed a new credit card for financial purposes and it just so happened that the credit card I was pre approved for was the one I needed. I went through the application process only to be told I was denied. The only reason I applied in the first place was because I was told by credit karma that I was pre approved. Because of the deny, a hard inquiry was put on my credit score. The only other hard inquiry Ive had was from opening a credit card 2 years prior. It ended up lowering my score, which I had been working on building up by paying off my bills. My score kept rising until the denial of my application for the XXXX XXXX card that credit karma said I was pre approved for. To make things worse, Im still getting notifications from credit karma about either pre approved cards or excellent approval odds. Now Im hesitant to apply for any credit card because if Im denied, itll continue to negatively impact my credit score. I also suffer from a XXXX XXXX that affects my income, so being a young adult and already having a hard inquiry when I shouldnt makes my financial situation even more difficult to navigate.
Consumer complaint received 2022-07-12
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

The following information is being reported by XXXX XXXX XXXX XXXX, XXXX, Experian, and XXXX. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and the Nation Credit Reporting Agencies for violation of The Fair Credit Reporting Act XXXX. 

XXXX XXXX XXXX Experian XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card- Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$600.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$640.00} Credit Limit : {$0.00} {$500.00} {$0.00} Past Due : {$600.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account closed by consumer Credit line closed - consumer request - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Account closed at consumer 's request Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-30
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX AV XXXX XXXX XXXX MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$1000.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I have a mortgage with XXXX XXXX. I received a letter yesterday stating that my mortgage was being transferred to Truist Bank. 

I contacted Truist to keep information on how to setup an online account, how to ensure my payment is on time, etc. I was on hold and being transferred to various departments before being told that Truist cant answer any questions, cant accept payments or provide access to an online account until the XXXX. 

My mortgage payment is due on the XXXX. The letter I got states that any payment due on or after XXXX XX/XX/2022 needs to be made to Truist. However, Im also being advised that Truist wont be able to see my loan details or assist until closer to the XXXX of XXXX, after my payment is due. I dont want a late payment on any record ( internal to the bank or on my credit report ). 

This is a shady, unfair, business practice due to Truists inability to assist during this transition and is deceptive for consumers. 

My other concern is that I do not want marketed to by Truist Bank in any form. After reviewing online forums, it appears that Truist begins marketing to people whose mortgages they buy for products like checking, savings and credit cards. I have NO desire to have any relationship beyond this mortgage with Truist. I wouldnt even want the mortgage with them, if I had a choice. I expect Truist to never contact me about cross selling any products or services as I have no desire to do business with a shady financial institution. I do not intend to provide any additional source of income or business to Truist, outside of the mortgage. 

Please know that my primary concern is related to ensuring I can get a payment processed without any notation of late payment internally or with a credit bureau, and that my concern of being marketed to is secondary. My issue and concerns are not with XXXX XXXX, but with the behemoth financial institution known as Truist Bank. I hope someone can contact me to sort everything out. 


Thanks.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following information is being reported by XXXX XXXX XXXX XXXX, XXXX, XXXX, and Transunion. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and the Nation Credit Reporting Agencies for violation of The Fair Credit Reporting Act XXXX. 

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card- Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$600.00} No. of Months ( terms ) : 0 0 0 High Credit : {$640.00} Credit Limit : {$0.00} {$500.00} {$0.00} Past Due : {$600.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account closed by consumer Credit line closed - consumer request - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Account closed at consumer 's request Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-06-27
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. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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)

My name is XXXX 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

Statement received from C $ I collection agency, stating I owed {$340.00} to XXXX XXXX XXXX XXXX Texas. I immediately sent a debt validation letter to the collection action on XX/XX/2022 and received a response letter dated XX/XX/2022. Inside the letter I received on XX/XX/2022, is nothing but a report from XXXX XXXX XXXX XXXX Texas, with a medical imaging name and procedure code and date and amount. This is on no office letter head or anything verifying XXXX department, this could be the Debt collector falsifying this paper for all I know. There is no other information showing me where this is my actual date, no signatures where I had this procedure, and any proof where I released this Credit agency to have ACCESS to my MEDICAL HISTORY or RECORDS, which this is in violation of HIIPAA. This is not my debt they say I owe, and I need this issue resolved
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/year> 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 XXXX IXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian 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. My credit report is still reporting an account for XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Consumer complaint received 2024-09-03
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. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2024-08-26
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$260.00}
Consumer complaint received 2022-07-13
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. (NJ)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SIMMONS FIRST NATIONAL CORPORATION (MN)

I have an old XXXX from Simmons Bank that I haven't touched for years. Over the years, I've tried to login or call to manage the account, but it has been so difficult that I've given up. I think the difficulty is intentional, because every month the company charges me {$3.00} to send me a paper statement, which I never wanted. Every month they also charge me {$3.00} as a " service charge ; '' my other XXXX  don't have such a charge. Lately they've also been charging me a {$10.00} " dormant account '' fee. Over the years, they've bled a {$700.00} account down to zero. This is supposed to be a savings vehicle, but Simmons Bank has used excessive fees to take all my money. 

Now I'm trying to figure out how to close the account, so that they don't start charging me money! I figured out how to login to the online portal, but there were no options to close my account, make it non-dormant, or even request the paper statements to stop. They list a phone number for help. When I called, none of the options were about XXXX. When I tried to get to an operator, the menu options circled around to the initial menu. I can't figure out how to close this account, and get this nightmare to end.
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (MI)

Recently, I did an investigation on my credit report which caused a sad XXXX  upon me. I found unverifiable, inaccurate, and questionable items that Experian and XXXX did not update. 

In accordance with FCRA, everything has to be 100 % accurate on my credit report under 15 u.S. Code 1681e ( b ) and 15 U.S. Code 1681. These accounts are in violation if not reporting 100 %  accurately. 

Experian and XXXX stated that these accounts were properly investigated and came back as verified. However, how is this true why is the inaccuracy still showing on my credit report with Experian and XXXX. 

As a consumer, I request your assistance getting my credit report 100 % accurate. 

Thank you.
Consumer complaint received 2022-11-03
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. (FL)

Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance, Respectfully, XXXX XXXX
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capitol one raise credit limit with my authorization.and paid budget and XXXX XXXX XXXXhad me change credit card number claim they won't pay them. charge me late fees. reported late to all credit bureaus.after payments made. 
Charging my information.