davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

ON WEDNESDAY XX/XX/year> ; BELOW I RECEIVED THIS XXXX RESPONSE VIA EMAIL IN REGARDS TO A DISPUTE DATED XX/XX/year>. 

( ( We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer @ s file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 
If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX XXXX 
Connect with your credit day or night for FREE. View your Free XXXX Credit Report ) ) I CALLED XXXX TO AUTHORIZE MY DISPUTE. THEY HAVE NOT FOLLOWED THROUGH.
Consumer complaint received 2024-12-20
Product: Credit reporting 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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2021-11-28
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. (FL)

XXXX XXXX XXXX is in XXXX violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all 3 credit bureaus since XX/XX/XXXX. XXXX XXXX XXXX is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, XXXX XXXX XXXX is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, XXXX XXXX XXXX has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at XXXX XXXX XXXX, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
XXXX XXXX XXXX has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, XXXX XXXX XXXX perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is in Direct violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all 3 credit bureaus since XX/XX/XXXX. XXXX XXXX XXXX is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, XXXX XXXX XXXX is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, XXXX XXXX XXXX has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at XXXX XXXX XXXX, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
XXXX XXXX XXXX has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, XXXX XXXX XXXX perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The following companies listed below from XXXX through XXXX are showing missed payments in my credit report. I disputed the accuracy of the credit reporting with the Credit Reporting Agencies ( ie XXXX, XXXX, Experian ), they concluded without " Receipts '' confirming the accuracy of the reported missed payments that the information was correct. I have not received information from neither company nor Credit Reporting Agency confirming the accuracy of the reports. The following are the companies : XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXXXXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX opened XX/XX/XXXX
Consumer complaint received 2021-12-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Parkway Financial Group, LLC (NC)

I entered an offer to purchase contract with a {$4000.00} due diligence fee. Confident that I would buy the home based on pre-approval through the mortgage broker I was working with. Well 4wks. into the process after I paid inspection fees for septic and the home, appraisal fee ( for an Appraisal that was never done ). I find out I can't secure a loan b/c I have not been employed at my current job for 6mo. I told the mortgage broker from the beginning I was unemployed during the Pandemic for 9 mo. and I was recently bought on at my current company in XXXX of this year. She said that wouldn't be a problem b/c of my long term employment history before the Pandemic. Well now I have found out through other Lenders that with FHA there's a minimum of 6mo. The mortgage broker should have known this before I invested over $ XXXX into this deal. I feel she was negligent in her basic duties as a mortgage broker.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Reporting Act Online Information System Account # ending in XXXX, XXXX XXXX XXXX Account # ending in XXXX, and XXXX XXXX  Account # ACCIL have violated my rights. 

15 U S.C 1681 Section 602A states that I have a right to privacy.

15 U S.C 1681 Section 604A also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reached out to XXXX to verify the accuracy of two acts open fraudulently and ask the to request documentation if the acts and signatures and they refused to do so. If they did request it I was not giving proof. I was only told they investigated it and it was accurate but no proof they actually did that.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (WV)

Basically I was shopping online at XXXX. When I was checking out it said I could save 40 % on this order if I applied for the card ( It even gave the exact dollar XXXX I would pay if I got it ). I applied. It said approved and said it would be added XXXX order. It wasn't. I called customer service to get the card number and a code for the XXXX percent off. The first associate hung up on me. The second directed me back through the automated system. At this point I knew this must be a regular thing for them and the employee knew I wasn't getting what I want and was going to be upset. I asked for a manager and he told me Don't worry, you'll get your card in a week and can use it then. I was like, No... I want to use it for this order. He told me it had to be used when making the order so he couldn't help me. I was still in the order!!! I had left it on my phone for days. So basically I made a contract with this company that I applied for their card and I got 40 % off. I did my part and they didn't follow their part of the contract and they don't care. The bank is called Comedity Bank. The manager wouldn't give me any last names and said there was no one above him to speak to. So basically I got scammed and my credit is taking a hit for no reason. He told me he couldn't close it and can't do anything about my credit.
Consumer complaint received 2021-11-28
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. I have been a victim of identity theft since 2018. I have filed numerous police reports and complaints with the FTC. I am submitting this complaint to your agency to submit to the CRA 's. Please help me expedite the removal of the fraudulent accounts on my credit report.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NV)

Someone in XXXX Texas is still using my social security to open accounts, even after i already submitted reports, to F.T.C., Id theft.gov and called the companies where accounts were open ... .. only thing I didnt do was a police report until now ... ... ..made report and submitted in XXXX Nv ... ... XXXXall this has started since XXXX 2019 this last one is with Discount Power; used my SS # but added his name .... 
That should of been a RED FLAG : : : : : acct closed from last week... Talk to Fraud Rep. today and she want me to send an email to A R Operations U S Retailer Energy.com Case # and FTC case # sent to her..dont have yet FTC #
Consumer complaint received 2021-11-28
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. (CA)

I am a victim of identity theft. I have been a victim of identity theft since 2018. I have filed numerous police reports and complaints with the FTC. I am submitting this complaint to your agency to submit to the CRA 's. Please help me expedite the removal of the fraudulent accounts on my credit report.
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC (MA)

CONSOLIDATED RECOVERY GROUP , LLC COMMITED MAIL FRAUD BY MAILING A FRAUDULENT " BILL '' TO MY PRIVATE MAILBOX. THE ACCOUNT WAS BOUGHT FROM XXXX XXXX XXXX. XXXX WAS MADE AWARE ON XX/XX/2021 THAT THIS WAS NOT MY BUSINESS, I WAS SIMPLY AN EMPLOYEE. I AM NOT THE RESPONSIBLE PARTY FOR THIS DEBT. MAIL FRAUD COMPLAINT HAS BEEN FILED.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (AL)

I opened my XXXX credit card 2019. I have made my payments on time. Now they are taking credit from me messing up my credit. I feel I'm being discriminated against and wronged because of my being a female. I have paid my bills on time. They wait 2 or so years to look at my credit to take credit away from me. You still get wronged even after you paid your bill on time. My credit limit was {$250.00} down to now {$200.00}. How is someone supposed to build their credit when they keep decreasing your credit limit. I feel this is an attack based on my race and my being a female.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

bank of America overdraft accounts to collect fees, i have checking account with a little money on it as i deposit daily they made up fees {$35.00} overdraft fees XX/XX/2022, when i called why this fees i didnt use my card where is the transaction that over-drafted the account representative claim its 2 days ago {$60.00} transaction i told her it was taken already from account and if account have {$5.00} and XXXX transaction it would go XXXX not XXXX as you put, then she took it off the next day they put it again as if i m not going to be looking. i called again and the rep said something else that it was transaction {$48.00} a day ago i said it should be XXXX not XXXX he insisted its right and kept the fees. they did this again in XX/XX/2022 when i had {$43.00} in the account no transaction happened n they charge me {$10.00} overdraft fees they changed fee amount. i called to ask why i was charged fees and which transaction that caused it i got the same nonsense. i figured out that it seems the bank make up any reason to charge overdraft fees, specially i m exempt from maintenance fees because i deposit and use average of $ XXXX  monthly
Consumer complaint received 2021-12-13
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. (UT)

On XX/XX/XXXX we traded in our XXXX XXXX XXXX  Lease through XXXX XXXX, payoff was sent from my dealership I work at as I traded it in here. I was in touch with my finance XXXX who did the paperwork she sent the payoff and necessary documents. A XXXX later after we as a dealership sold the XXXX having satisfied the lease I got notified of a XXXX day late payment had hit my credit. Finance XXXX contacted XXXX corrected the situation XXXX apologized and admitted to the error on their part I have a letter stating so. They said they would remove the XXXX late payment on the account and credit report and the account was satisfied. XXXX is telling me as its now XXXX yes the lease has been satisfied nothing derogatory is on file or on my credit. On Experian it is still showing a XXXX late, but not on XXXX and XXXX. It has been XXXX months and it is still on my credit report, it has effect me being able to get approved for purchases as it dropped my score XXXX points. I need this XXXX day late payment removed ASAP. It was an error on behalf of XXXX. We satisfied the account far before the month end of XX/XX/XXXX and XXXX has verified so.
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

several months ago I had this problem of identity theft someone used my information and opened credit card accounts with different banks or entities since I was noticing in my credit report several changes with new accounts and inquiries without my authorization, I need help to solve this problem since they caused damage to my credit report and making charges in my name I need to solve this problem you are with the accounts that appear in my report without my authorization I need you to investigate and eliminate those accounts please.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Someone applied for an XX/XX/XXXXXXXX XXXX XXXX through Bank of America. Bank of America pulled my credit report. I did not apply for this card. The people had my social security number, date of birth, full name and home address. I contacted Bank of America and they denied the application. I have filed a fraud alert with the credit report agency. I also wanted to file a complete with FTC.
Consumer complaint received 2021-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (IN)

I have been making {$95.00} XXXX payments to my vehicle loan with US Bank since XX/XX/XXXX. The monthly payment is made in XXXX weeks. The XXXX payment should go to the principal. However US Bank keeps moving the payment date forward once the regular monthly payment has been paid instead of applying the additional funds to the principal. I contacted them on XX/XX/XXXX and stated my issue with them. Their response was that it was policy to move apply the payment to the next month once the monthly payment has been made. When I pointed out that what they are doing is stealing from me to maximize their profits they offered to adjust the previous months and rebalance the account with the additional principal payments applied. They did not do that. They moved my payment due date back from XX/XX/XXXX to XX/XX/XXXX without telling me and did not apply the additional principal payments accordingly! Now I'm going to have a late fee! 

Furthermore, US Bank doesn't show the payment breakdowns online, so you have no idea they're taking advantage of you! 

I don't make weekly payments because I have the extra money laying around. I make them because I am trying to pay off the loan as quickly as possible paying as little interest as possible. It is fair to ANY consumer to pay a loan this was and I pay all my loans and credit cards this way. What's unfair is that these banks take advantage of consumers by scraping every penny they can!
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NJ)

This company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem I will have to be legally current here I notify CFPB and yes
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (CA)

Today XX/XX/2022, I called to EARLY WARNING SERVICES , LLC, in order to get the result of AN INVESTIGATION THAT XXXX BANK OPENED WITH THIS COMPANY. This investigation began on XX/XX/2022, AND THE RESULT WAS SET TO BE ANSWERED ON XX/XX/2022, AFTER ONE MONTH OF INVESTIGATION. I called today to hear THE RESULT OF THE INVESTIGATION OPENED ON XX/XX/2022, AND THE AGENT XXXX, EMPLOYEE # XXXX TOLD ME THAT EARLY WARNING SERVICES WAS NOT GOING TO GIVE ME ANY ANSWER UNTIL I RECEIVE SOME ENVELOPES THAT EARLY WARNING SERVICES SENT ME SOME WEEKS AGO AND I RETURNED THEM TO THE SENDER. THIS COMPANY IS COMMITTING A RETALIATION CRIME AGAINST MY PERSON BECAUSE I DO NOT WANT TO RECEIVE THEIR UNEXPECTED MAILS. EARLY WARNING SERVICES IN VIOLATING MY CIVIL RIGHTS REJECTING TO PROVIDE THE ANSWER OF AN INVESTIGATION. THIS INVESTIGATION IS ABOUT A HARD INQUIRY POSTED IN MY PROFILE IN A FRAUDULENT WAY.
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. (OH)

Comenity bank has been out of service for 5-6 days. Cards are declining, payments cant be made, nobody is answering the customer service lines. The only responses Ive seen is on twitter from some small @ askcomenity account that is just giving robot responses. Saying this is planned maintenance. Ive never had a bank or cc company do plannedmaintenance with no announcement of it before hand and for a week straight and no end in sight. Usually happens in a few hours over night. And to shut down customer service lines during this is just insane. Somebody needs held accountable.