davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation (ME)

Blackwell Recovery XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX On XX/XX/2020, I received a letter from you dated XX/XX/2020. The letter claims that I have a balance due to XXXX XXXX XXXX subject to a contract. 

I dispute the validity of this debt. I know of no such contract. Please provide evidence of such a contract showing my valid signature. 

Our arrangement with XXXX was based on monthly payments, which we ceased several years ago. Since then, we have not used nor intend to use XXXX 's services.
Consumer complaint received 2020-10-31
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education (MA)

I've seen no changes for the accounts that I have filed last month I still can see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I dont know exactly how it happened, but I tried to open a checking account and the bank on XX/XX/year> and told me that there were multiple consumers associated with my social I did a complaint to XXXX XXXX Equifax XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a XXXX XXXX XXXXXXXX under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

After reviewing my credit I noticed an account from XXXX XXXX XXXX original creditor is XXXX in the amount of {$1200.00}. I paid this account off in full and closed the account there is no balance owed.I sent letters to XXXX XXXX XXXX asking for proof that this is my account bearing my signature. They sent me letters stating the amount owed but no proof that this was my bill. I then sent Experian, XXXX, and XXXX  letters explaining that this must be a fraudulent account as my XXXX account was closed out and paid off. The credit bureaus sent me copies of my report and said the account was valid, again they did not verify my signature or show me proof of any purchases. This account was closed in good standing and had no balance owed when I closed it out.
Consumer complaint received 2022-07-19
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. (FL)

In accordance with the Fair Credit Reporting act 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 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 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 and XX/XX/2021, I reached out to Equifax to inform the company the my mortgage lender was having issues pulling my Equifax report. There is no issues with XXXX and XXXX. After several conversations, they stated that my report did not have freeze, but I'm still unable to pull my report.
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (AL)

XXXX XXXX XXXX ( acct # XXXX ) has contacted my by phone, letter and email with threats to garnish my check and to have papers served to my house. I have not open an account or gave permission to open the account. I took the account to my doctor and they do not recognize the bill. They informed me that it must be fraud.. The harassing phone calls has caused stress for something I have not knowledge of. I research as much as possible and phone out its fraud. I want these accounts removed from my credit file ASAP! I have contacted a lawyer about a lawsuit for the harassing phone calls with threats. I recorded some of them. There are 3 accounts don't know the number to one of them but two of them have the same account number XXXX
Consumer complaint received 2020-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I was sent an employment offer and startup check of XXXX for office materials under the name XXXX. On XX/XX/20 I was sent the check and told to deposit it and send an amount of {$1000.00} to the alleged 'vendor ' then another {$2500.00} was to be sent in two other transactions through cash app to the other alleged vendors. There has been a hold on the checks they sent me and my account is severely overdrawn because of it
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OR)

Hello Just as I'm gon na upload some medias in the attachment menu, I'd like to go on and explain that Citibank held my funds for no just reason. I have {$17000.00} comfortably sitting down in my supposed Citibank Priority Account when it could be serving it's meaningful purpose in the XXXX  state of which I currently am. I would have moved my funds and withdrawn it if only Citibank let me but I can't access it because it is blocked. All they do is send me some letter that my account is being closed within the next 60 days and I will be mailed that which is due me after the close is supposedly complete. I have also called their numbers but they tell me to be patient and give them time that may affect me if urgent care is chanalled to my problem. I don't really care if the account is being closed or not, what matters to me is my {$17000.00}. I have need of it now that I'm edging closer to my XXXX XXXX  and I'm a single parent. All the funds therein have been acquired legally. My account is blocked and the access to my funds is blocked. I can't make ATM withdrawal neither can I make transfers to my other linked accounts. I get balance alerts from time to time stating that my funds ( {$17000.00} ) is in the account, in the current and available balance. All necessary information have been uploaded for your perusal, please kindly help me as I do have need for my funds.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (NV)

My name is XXXX XXXX. On XX/XX/2021 I confronted a person I was dating about some fraudulent activity I seen on my accounts through my phone when I allowed him to use my phone while I worked the one in particular that I noticed was on my MONEYLION account. I have my check being split into three different accounts at the time and {$250.00} of it's went into the Moneylion account. That turned out to be a very bad day because it turned out to be a XX/XX/XXXXXXXX incident and I had to file a police report in that police report I included the fraudulent activity I noticed on this account. I called Monday lion this past Saturday and I asked them via chat what I needed to do to open up that account or get access to my funds she said I was to send a copy of an unexpired government state issued ID as well as proof of residency address that is within 60 days I sent three different documents and I sent that on Saturday and I specifically asked her and I will send the screenshot to you how long will it take if I was to send an email to the documents today meaning Saturday she said 24 to 48 hours It also says this when you call them and you get transferred to them to give it two days this was on the XXXX that it happened XXXX XXXX today I have not heard nothing and I keep getting the runaround I have saved all of my chats with this company nobody 's giving me an answer I provided everything they needed everything they asked for I've offered the police report they haven't asked for that yet and I can not get an answer in them to release my account I just want my funds. Also you can not reach retention any other way but via email and you do not get responses via email I had to chat three times as well as call two times and still was refused any kind of access to them other than email and I was told it's being escalated three times. According to theXX/XX/XXXXsite they have quite an issue with presenting the way they do things one way in doing something completely different and I didn't even realize this and should have checked beforehand.Also that they freeze the money whenever they suspect fraud and they complete payments and they don't allow nothing else to happen to protect the funds but at the same time {$250.00} went in from work and I have two {$210.00} left because they they have taken out their money for their fees as well as they let another bill go through via XXXX.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I contacted Wells fargo bank regarding my money and they refused to assist me even tho I informed them that I didnt authorize some of the transactions. 
I have used a platform and it was meant to be a savings account platform that would earn me interest of 15 % yearly. 
XXXX disabled all withdrawals last month and refused to give me my money. 
I have originally deposited {$8000.00} which I authorized and they took automatically {$9000.00} from my account which made it total of {$17000.00}. 
Now I cant get get help neither from wells fargo nor XXXX. 
XXXX blocked me from XXXX when I tried contacting them. And they dont answer when I send them emails. 
Wells fargo is not willing to protect me and give me my money back. 
My life is destroyed, I even thought about ending my life because losing {$17000.00} isnt easy. 
I lost all savings and student loans I had and I am not sure what I am supposed to do. 
XXXX is stating that they are going to discontinue their service by the end of this month Soon Id be XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting 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. (CA)

I am writing to formally request the removal of hard inquiries from my credit report that were made without my consent or for permissible purposes as outlined in the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, a hard inquiry may only beconducted with the consumer 's permission for a specific purpose, such as applying for credit. As I have not authorized thmese inquiries, I respectfully urge you to investigate this matter and expedite the removal of the fraudulent inquiries from my credit file. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

I purchased a set of mattress with Rooms 2 Go XXXX synchrony bank card ) XXXX. Had a problem with mattress sinking in XXXX account was also paid off in XXXX. Rooms to Go replaced the mattress set under warranty XXXX. Paid off account was closed prior to me filing bankruptcy in XXXX by synchrony at which time I had a zero balance did not owe anything. Again during XX/XX/XXXX during pandemic mattress set began to sink again. I contacted Rooms 2 Go, they sent a tech out to examine XX/XX/XXXX, XXXX it was determined the mattress could be replaced under warranty. i chose to choose a different mattress and paid by debit card for difference and received a receipt. On XX/XX/XXXX discovered an email from Synchrony stated I had missed a payment. i immediately called synchrony  and told them I had not had a card with them since XXXX and that I had a XXXX balance when they closed the card. They informed me that a charge was placed on the card XXXX the day I paid the difference for the upgrade to the warranted mattress. I immediately called the XXXX store spoke with store manager XXXX explained what happened. He reviewed the account and discovered during the transaction the clerk credited the original form of payment and then attempted to charge it back to the card that was closed. said they would correct it, called synchrony as well and neither have corrected it, I am still getting harassed and being reported to my credit report as delinquent, Manager confirmed it was a clerical error on Rooms 2 go side but it has not been fixed. which is affecting my employment search due to it reflecting negative on my credit and I am being harassed with email and letters. Getting the run around
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MD)

XXXX / Loancare is my mortgage servicer for my home. I am in the process of refinancing and had to request payoff balance to supply to my credit Union. I requested multiple times and I am continually told I need to resubmit it. The first time I requested was XX/XX/2021 and since them I received a payoff letter via email that contained someone elses personal loan information and payoff. I keep getting the run around from them and broker promises. I also am blocked from the site now and cant view my payoff information. These tactics are malicious in intent and are blocking me. I paid my mortgage on time with them and they are holding up my refinance. The credit union has requested it from them four times as well.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

There was a credit check from Bank of America. I did not authorize this. It came on my credit report and emails. This isnt me. Someone used my information.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AR)

I saw on my credit report a bill from XXXX XXXX for XXXX XXXX XXXX. I contacted ERC and paid the debt but they will not remove it as debt on my report from XXXX. I have called several times and even contacted the original creditor to no avail.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, MI and the furniture was financed through XXXX XXXX XXXX   XXXX XXXX. The furniture was delivered to my home on XX/XX/XXXX, but the sofa ( 1 of 2 pieces of the sofa/loveseat set ) could not fit through my doorway. I was given the option to contact and pay an outside source to break the sofa down so that it could be brought in the house. I decided against it and the sofa has been sitting in my garage, brand new, still in the plastic since XX/XX/XXXX. I contacted XXXX XXXX XXXX  in XXXX or XX/XX/XXXX, to let them know that I was being charged every month for furniture that I am unable to use because it didn't fit through my door. I was told that my account would be noted and to reach out to the furniture store to see if they could pick up the items. I was told that if I couldn't have the items removed from my contract and picked up by the furniture store, the items could be recovered by the recovery team at XXXX XXXX XXXX and resolved that way. I reached out to the furniture store and they told me that they are unable to pick up the furniture because they don't have a resale license and if they picked the furniture up and attempted to resell, although the items are brand new, they could get into legal trouble. They also said their system wouldn't allow the items to be returned anyway. I reached back out to XXXX XXXX    XXXX to let them know what the furniture store said in XXXX or XX/XX/XXXX and they told me that the issue would be escalated and someone would reach out to me. I've called XXXX XXXX XXXX 4-6 times between XXXX and XX/XX/XXXX about having the items picked up but I have never been able to speak with anyone in the escalation department, a supervisor, or anyone in the recovery department. In the midst of trying to resolve the issue, I was affected by the Covid-19 pandemic, which they were aware of and I was told that my account would be noted for that as well. However, since I have been attempting to contact XXXX XXXX XXXX and waiting on a call back to resolve the issue, they are negatively reporting to Experian that I am past due on my account 60 days, owing {$4700.00}. This issue could've been resolved before it was reported negatively, but I refuse to pay for items that I don't have, especially when I have received no help after months of trying to resolve the issue with XXXX XXXX XXXX
Consumer complaint received 2020-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (DC)

I made a money wire via my XXXX credit card for XXXX $ to a friend in XXXX using Western Union via their website- I opened an account for myself with them today just before this transaction 2 transactions were charged on my card instead on the single one I made. 
My bank thankfully caught that and cancelled the second fraudulent one. 
Western Union was showing both in their system as they were made by me. I had them cancel my account for safety.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 are 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 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 XXXXXX/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 2022-07-16
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 # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX 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.