davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I was using a new XXXX  credit card through Comenity Bank and had {$170.00} due XX/XX/2022, I paid the full amount of {$170.00} on XX/XX/XXXX. I then realized Id get a late fee for paying a week late so I called comenity bank the same day to ask if I could get my late fee of {$41.00} waived as it was my first time ever being late to a payment and I was away on vacation when I received the bill. The representative told me that was fine and assured me he cleared my balance and waived the late fee, I made sure to double check that my balance was XXXX and I was told that it was. Recently, I was receiving calls from comenity bank saying I had charges due, I called on XX/XX/XXXX to see what were the charges and the representative told me I had {$120.00} due from the initial late fee adding up as the months passed and I had no idea. I was speaking to a representative and he was going to waive the additional late fees, but then the call got dropped. Called back again and I explained my situation to another representative and he told me he had no record of anyone waiving a late fee, but he understood my situation and said I could just pay {$36.00} and he would waive the rest of the late fees. I agreed and paid the XXXX on XX/XX/XXXX. I see I indeed got charged the {$36.00} but wanted to make sure my balance is actually XXXX this time. I call to check and the balance is {$90.00} now, which means they did not waive these late fees and would have continued to pile on late fees. Every time I speak to someone they rush me away and assure me it is being handled when it is not. I messaged them on various platforms repeatedly and was told the changes would appear in a few days. On XX/XX/XXXX, I was connected to a supervisor finally, they told me that they actually can not waive late fees because XXXX doesnt allow that, then I was switched to another supervisor who then told me they did waive only {$30.00} on XX/XX/XXXX. I hadnt even gotten in contact with them before XX/XX/XXXX so that can not be true. They said they can not waive any more late fees and have no record/notes of any communications with me. They said I had to pay it. So then I paid the remaining {$90.00}, but this is not right. I was lied to repeatedly by more than 4 representatives telling me they waived my late fees and my balance was at XXXX. And they told me they canceled my credit card per my request, which the supervisor told me did not happen either! This bank is full of liars and thieves. Ive paid double of what I should have and wish I never signed up for this credit card. Im hoping to get a full refund on all these late fees because it is not my fault whatsoever that I was lied to and made to believe my balance was XXXX so they could keep charging late fees. The bank is overall shady and suspicious, I know theyre a real bank but they sure do seem like scammers and basically are.
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (NY)

To my dismay, I noticed unauthorized inquiries on my credit report tonight, and Im completely in the dark about how they appeared. I usually check my credit report without any issues, but this time, these discrepancies caught me off guard. I tried refreshing the page, thinking it might be a temporary glitch, but the inquiries stayed. I urgently ask for a detailed review of the documents I've submitted to resolve this matter so I can stop worrying.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

PayPal banned my account on XX/XX/2023. And, their reason is excessive risks involved in doing business with me. Even if I complied with all their legal documents required. I don't have any disputes nor complaints from my customers until now. My account is more than XXXX XXXX XXXX and I just upgrade it recently to business account when I decided to venture as a freelancer selling web designs, ebooks and web hosting. All my hard earned money underwent XXXX  Day clearing period by PayPal but I don't complain about it. In compliance with there new seller protection program. And now, they are holding my hard earned money amounting to {$370.00} for another XXXX  Days without clear violation on their Terms & Condition. I tried contacting their Customer Service several times and they can not disclose the real reason nor violation of my account. I also tried reaching out via email to their XXXX office but until now they do not respond. 

With that, may I ask your good office for assistance. Thank you very much!
Consumer complaint received 2022-08-21
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. (TX)

On XX/XX/XXXX I went to XXXX with an approval from XXXX XXXX Bank, but they ran my credit with XXXX XXXX XXXXXXXX XXXX XXXX 2 times, XXXX XXXX XXXX XXXX without my consent. 

After that I kept getting inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, 2 from XXXX XXXX 

The same happened when I went to XXXX XXXX XXXX on XX/XX/XXXX, I had an approval from XXXX XXXX XXXX and I have unauthorized inquires from XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I also have unauthorized inquires from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I need these unauthorized inquires deleted/removed off my credit report.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (DC)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( AMEX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2022-08-21
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)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

My bank is WellsFargo.

The total money scammed from my bank account is at least {$50000.00} 0r more. My bank tried to help, they couldnt help reverse my money. It was reported to Wellsfargo of the scam, since I authorized it they couldnt help at all, even though it was a scammed, they said they couldnt help me.

The dates I was scammed are the following : 1. {$1000.00}, XX/XX/year> Reference # XXXX. ( Transfer ) Money Transfer or purchase bitcoin online XXXX. {$2000.00}, XX/XX/year> XXXX {$2000.00} XX/XX/year> XXXX. {$9900.00}. XX/XX/year> XXXX. {$5000.00} XX/XX/year> XXXX {$5000.00} XX/XX/year> XXXX. {$3000.00} XX/XX/year> XXXX. {$98000.00} XX/XX/year> XXXX. {$3500.00} XX/XX/year> XXXX has transactions has one reference number : XXXX I hope to get help from you. 


Thank you XXXX
Consumer complaint received 2022-10-14
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the bank and they told me they would remove the late dates from the account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXX
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

My federal student loans are currently being serviced by MOHELA. I am enrolled in the SAVE plan. The Biden administration has announced that due to the ongoing litigation surrounding SAVE, all accounts enrolled in SAVE will be placed into a zero-interest forbearance for at least six months. 

I logged into MOHELA to make sure that my account would be included in that zero-interest forbearance for at least six months. Instead I am seeing an alert on my account saying that my forbearance will end in 7 days.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (AZ)

hello-they are constantly calling me and harrassing me they text me and leave messages everyday. even on Sundays. i have received calls at my work from them on XX/XX/year> at XXXX and when i told them to not call me at work the lady i spoke with was very rude and inappropriate on how i owed money and i need to pay my bills very rude! And someone called and the same day XX/XX/year> at XXXX from the same company and was very rude to my coworker stating that they needed to talk to me right now and my coworker was telling them that i was busy with someone and she was trying to take a messeage but he was so rude to her saying he needed to speak to me now and he did not want to be put on hold. my coworker explained that when i was available that i would be with him and still was very rude to her. the copy is called comenity bank their number is XXXX they keep threating me over text messages everyday. they are stating i owe {$1700.00} and they keep reporting to my credit report and it's causeing hardship to everything in my life. i have resently gone through tramatic health conditions that i feel like this harressment has added to the stress of my health.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past two months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Consumer complaint received 2022-10-23
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: Financial Assistance Inc (NV)

no idea of any new company, i was sick with XXXX  for a year and a half and all these accounts pop up XXXX Updated XX/XX/2022 Current Balance {$360.00} Original Balance {$360.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX XXXX  Contact XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CT)

I opened up a credit card with Best Buy/Citi Bank .

1. Please refer the attached chat transcript for the conversation that I had with the customer service rep of this company prior to requesting for this new credit card. 
XXXX. I was promised that I will get a rebate of 15 % on the first purchase that I make on this card. They also noted that there is no XXXX limit on the 15 % rebate value. 
XXXX. I made my first purchase on XX/XX/XXXX for {$3200.00} ( excluding tax ) from Best Buy using the Best Buy/Citi credit card. Based on the promised offer, I should have received a gift certificate worth 15 % of {$3200.00} = {$480.00}. 
XXXX. However I received only {$160.00} gift certificate on XX/XX/XXXX which is only 4.93 %. 
XXXX. I reached out to their customer service on XX/XX/XXXX and they acknowledged that it was a problem at their end and created a ticket to resolve my issue - XXXX. 
XXXX. On XX/XX/XXXX I receive a totally irrelevant resolution for my problem, so I again called their customer service, explained the problem, they have created another ticket - XXXX. I haven't received a resolution for this newer ticket yet. 
XXXX. I have also reached out to their Customer Support numerous times thru their web email support and they are refusing to provide any resolution. 
XXXX. I as well previously opened a complaint XXXX with CFPB, for which Citibank responded XXXX me to contact Best Buy phone rewards phone number XXXX and closed the ticket. Please find Citi 's response attached to this new ticket XXXX. So far I had followed up multiple times with this specific phone number. They just open tickets but my issue has not been resolved. Please find the details of the tickets. 
XXXX created on XXXX XXXX created on XXXX XXXX created on XXXX. 
XXXX. I have as well been reaching out to Best Buy support thru email and finally on XXXX they had acknowledged that I owe rewards. It has been more than XXXX business days since they had acknowledged, but have not issued my rewards yet. Please find the response from them in the file named Best Buy Response. 
Till date I have not received the remaining promotional rewards
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have noticed many incorrect and unauthorized items appeared in my report. I have sent letters to them but was never received any response from them. I felt I am being taken advantage and at the same time being ignored.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-13
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"