davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (FL)

Om XX/XX/22 we opened a line of credit with Zales/Comenity Bank and made a purchase for {$670.00} on a ring to be special ordered due to sizing. I never received a card from Zales/Comenity. I made the first payment of {$80.00} on XX/XX/22 ( there was a {$30.00} charge for a late fee ). On XX/XX/22 the ring came in but was not the correct size. At the time, I returned the item and canceled the transaction. I received a receipt from Zales the order was canceled. I am in the process of obtaining a VA Mortgage Loan and the status of this account is currently the only item holding up the process. The mortgage company asked that I lower the balance due to less than {$400.00}. There was a " planned outage '' with Comenity that they have not received the refund credit nor applied it to the account. I made another payment of {$230.00} on XX/XX/22 to bring the balance due down to less than {$400.00}. I have requested through multiple avenues to have the account rectified and a letter or statement advising the updated payment and balance. Comenity is advising there is nothing they can do for me at this time as their systems are not working appropriately. At this point, I am owed {$280.00} from this bank as after the returned item and refund I am continuing to make payments to satisfy the VA request. We are XXXX  days out from closing and need this rectified immediately.
Consumer complaint received 2022-07-05
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 im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX. I made a payment on Friday XX/XX/XXXX of {$300.00}. Never received any email confirmation that payment was made. I checked spam folder, all mail folder and anywhere e-mail might be and nothing. I went onto credit card website no info about payment made. I checked pending payments and history, nothing. As of Sunday XX/XX/XXXX no indication payment was made on their website. Still showed minimum payment due on XX/XX/XXXX. Thinking payment didnt go thru I made another payment of {$300.00} because I didnt want a late payment fee. After that payment within several hours website finally showed pending payment of {$300.00} processing. ( Still never received any e-mail confirmation ) I thought, I guessed I missed first payment or something went wrong with first payment. Today XX/XX/XXXX website shows I made XXXX payments of {$300.00}. Tried to call number on card and after confirmation my personal information, automated service tried to assist me, but needed customer support. Finally I get transferred to customer service only to be told that they are working on restoring service. Call back another time. I called several times starting on Saturday after not seeing my payment posted got same message. Even called today at XXXX XX/XX/XXXX and received same response. I now made XXXX payments totaling {$600.00} when I only wanted to make XXXX payment of {$300.00}. This puts me in a poor situation for the budget for the rest of the month. Their website site had no way of canceling XXXX of the payments.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

On XXXX, XXXX, during a review of my personal credit reports, I found reporting information to be incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information relating to the individual and accounts. 

The following accounts are incomplete and inaccurately being reported : ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX Account XXXX XXXX ), ( XXXX XXXX Investments- Account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX  XXXX- Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account # XXXX ), ( XXXX XXXXXXXX XXXX Account # XXXX ), XXXX XXXX XXXXXXXX XXXX Account # XXXX ), ( XXXX XXXX XXXX XXXX Account # XXXX ), ( XXXXXXXX XXXX Acount # XXXX ), ( XXXX XXXX XXXX XXXXXXXX Account # XXXX ). 

Furthermore, these reports do not adhere to 15 U.S. Code 1681s2 which states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Please reference attachments of findings.
Consumer complaint received 2022-07-05
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. (OK)

In accordance with the Fair Credit Reporting act Account 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-05
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC. (LA)

I made the car purchase XX/XX/2022 they double my payments and I fell behind they repossessed the vehicle even after I tried to explain to them the mistake that they made. They wanted me to pay 3 loan payments at once.
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Service, Inc (FL) (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report
Consumer complaint received 2020-05-18
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report
Consumer complaint received 2020-05-18
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: JPMORGAN CHASE & CO. (FL)

I finally found out what Chase Bank had done to me. Cancelled my card with NO Notice. I had NO way to pay my bills, get food, get gas or anything else. I was stranded. When I told the branch that XXXX had charged my twice and I didn't not authorize it and didn't know what the charges were for. They told me to file the complaint on line so I WOULD NOT have a problem with my card. Incorrect information. They cancelled the card weeks later and waited until I found out to start the SNAIL MAIL process to replace the card. I called assorted departments of the bank and FIVE calls later I found out what happened. It is TOTALLY UNACCEPTABLE. I had to basically threaten the corporate office to get a new card overnighted to me. It DID NOT happen, that was on XX/XX/XXXX, it was not sent until XX/XX/XXXX, received it on XX/XX/XXXX at XXXX XXXX. 
The " behavior '' of Chase is a DISGRACE for the largest US bank. I assume they think they can get away with what ever they want to. There HAS to be more than a reprimand, especially with C19. To leave an XXXX year old woman basically helpless should be a crime!
Consumer complaint received 2022-07-05
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. (CA)

TransUnion fails to update payment history correctly on trade-in in stead after 4 attempts they deleted the payment history in the trade line for XXXX XXXX. 
Attachments included for your review. 
Multiple Violations of the FCRA 15US CODE 1681 ( i ) ( 5 ) removal of inaccurate/invalidated Credit Information and 15 us CODE 1681e ( b ) violation of California Consumer Law by failing to provide proof of how the disputed information was investigated, as of this date no proof provided instead they continue to report the errors on the account.

FCRA Section 605 ( a ) ( 5 ), Section 605 ( c ) ( 1 ) When does the 7 yr period begins, the estimated date reports until XX/XX/2025 if no payment history is available or known. Per the most recent reports, it shows all Xs. 
Comenity Bnak refuses to provide payment history because they do not have the records and they have violated the policy of FDIC, IRS AND XXXX that requires credit cards to be charged within 180 days, they are reporting false payment history with the intent to rage the trade line and charged off at approximate 420 days instead 180. Continue to add late fees and charged interest in order to justify adjust their losses of the management of their portfolio. FDIC regulates this bank directly and the parent company XXXX XXXX XXXX.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020, I received an alert from XXXX that my SYNCB/PPC credit limit decreased from {$2500.00} to {$1500.00} without my knowledge or authorization, thereby lowering my credit worthiness to potential creditors and financial institutions. I contacted PayPal CREDIT who is in charge of the credit line and spoke with XXXX. I inquired on who authorized the decrease in my credit limit and how come I was never contacted or informed beforehand. I further explained the negative ramifications of the credit limit decrease on my overall credit worthiness and credit score. I did not receive a clear response as to who or why a credit limit decrease was authorized on my account which is in good standing. I expressed my disappointment in the carelessness my credit worthiness is handled by SYNCB/PPC and expressed my intent to file a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2019-06-03
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: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days.
Consumer complaint received 2022-07-05
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. (FL)

Account # XXXXXXXX XXXX XXXX 15 USC 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 account without my instructions.
Consumer complaint received 2022-07-05
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)

Account # XXXX - XXXX XXXX XXXX 15 USC 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 account without my instructions
Consumer complaint received 2022-07-05
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)

Account # XXXX - XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions
Consumer complaint received 2023-07-20
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. (CA)

I am filing this complaint to TRANSUNION there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2022-07-05
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. (FL)

Account # XXXX - XXXX XXXX XXXX 15 USC 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 account without my instructions
Consumer complaint received 2020-05-18
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. (CA)

I'm showing a charge off account on my credit file from XXXX- I have already paid, settled and close this account. Please see attached documents for proof of payment and settlement. I have tried to contact XXXX to make sure that they update my records with Experian, they have not update my file with Experian. Also, Experian continues to report this as late payment on my file. XXXX 's account is charge off and the last late payment on my account was reported in XX/XX/2017. This account was steeled and the creditor agreed to delete this account form my file. I have been trying to speak with Experian and have them update my file and delete this account and fix my FICO score, they have report and lowered my fico score by 18 point on XX/XX/XXXX. I have exhausted all options with XXXX and Experian and no luck. 

PLEASE HELP ME
Consumer complaint received 2020-05-18
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. (NY)

To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for XXXX XXXX  at the time I had got injured on the job.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My complaint is two parts. 1. I wrote a personal check and mailed it from home, my mailman was driving by, and I handed it to him. The check was not received by the person I issued it to, his name was written and then crossed out on the endorsement side, then " mobile deposit only '' Bank of America. Bank of America refuses to respond to my personal bank or me, or to the person I issued it to. 2. I sent a check via bill pay from my business account. It was not received by the insurance company I wrote it to. Another " mobile deposit Band of America '' endorsement. Again, BoA refuses to respond to me, my bank or the person the check was issued to. The problem is from XX/XX/2022. I have left many messages for XXXX XXXX XXXX XXXX and no response.