davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MID FLORIDA FINANCING LLC (AZ)

I am writing to formally dispute the charge-off listed on my credit report for the account referenced below. 

Creditor Name : Mid Florida Financing Account Number : XXXX, XXXX, and XXXX Upon reviewing my credit reports from all three major credit bureaus ( XXXX, XXXX, and XXXX ), I have noticed discrepancies in the information reported about this account. 

Specifically : account details, such as balance, and dates. 

Furthermore, I have never received a 1099-C form for this charged-off debt, as required by IRS guidelines for any canceled or written-off debt exceeding {$600.00}. Please provide the 1099-C form immediately or clarify why it was not issued. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you validate this debt, correct any inaccuracies, or remove the account from my credit report entirely.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NC)

XX/XX/XXXX XXXX called concerning an online order that I never placed, so I checked my credit reports and saw a hard inquiry from XXXX on my XXXX report. Someone used my maiden name ( which is not my legal name ) fraudulently to open a card and make an online order to an address completely unassociated with me. 
XX/XX/XXXX XXXX cancels the orders that they can and refers me to Comenity bank to begin fraud report. Comenity bank has no way to speak to a person online or via phone and this has continued into XX/XX/XXXX. XXXX can not remove hard inquiry or new credit line until I can begin this process with Comenity.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (GA)

I received a debit card in the mail on XX/XX/22 issued by Navy Federal Credit Union, this was not an account I opened or authorized to be open. I called the financial institution on XX/XX/22 at XXXX advising them the checking and savings accounts listed with the debit card were not opened by me or anyone I authorized. They submitted the claim to their fraud department and I received a confirmation number. I also submitted claims to the credit bureaus as well as indentitytheft.gov, as advised by my local state representative 's office.
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Key 2 Recovery, Inc. (TX)

XXXX XXXX with Key to recovery has been calling my employer since XX/XX/2022. I have called and left him a message to cease contacting my work on XX/XX/XXXX and today XX/XX/2022 to send me correspondence through mail.
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. (AZ)

Around the week of XX/XX/XXXX, Comenity 's website did not allow me to login to view transactions or statements. On XX/XX/XXXX, their website went completely down and my credit card no longer works. 

It is XX/XX/XXXX and the phone lines for Comenity are shut down, you can only email them by logging into your account ( which is not possible with the website being down ). 

Comenity CAN NOT be reached AT ALL. Their services stopped working with no return of service date.
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX # XXXX and # 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 and account without my written instructions.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I applied for a XXXX XXXX XXXX card which required a personal credit check. After being declined, I called to inquire as to what I could do for possible reconsideration. After speaking with the rep they reassured me that I would not get a hard inquiry as a result of my reconsideration inquiry. The next day I received another hard inquiry for the same card... so two inquiries for one card which is now having an unnecessary adverse effect on my credit report. In the end, I never received the card.
Consumer complaint received 2022-06-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Hi Equifax XXXX again with my XXXX complaint. I just want to let Equifax know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. Just please remove the XXXX and XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NV)

XX/XX/2020 someone stole my identity and rented cars from XXXX, XXXX, and XXXXXXXX XXXX the police caught the person in the rental car and XXXX prosecuted the person and worked with the detective on my case XXXX XXXX is the offer number who worked the case and almost 2 years later XXXX sends me to collection trying to collect a debit that I do not owe
Consumer complaint received 2022-06-28
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. (MA)

I have been attempting to contact Comenity by phone and online since Friday, XX/XX/XXXX. The websites for both credit cards I have accounts with through Comenity are down. The sites claim that upgrades are being made and glitches in the system prevent login. When attempting to call my phone, every single phone number provided by the company plays a recording stating that the offices are closed and that no available agents can assist or access account information. I am concerned that Ill be facing penalties for Late payments as I have no way of contacting the institution to submit a payment. I have attempted to contact Bread XXXX which has taken over Comenity Bank and was told that they can not assist.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AL)

My XXXX XXXX XXXX was due XX/XX/22. I cant pay online because Comenitys site has been down for over a week now on Friday XX/XX/22 I was able to set up a payment plan in the automated system but, they still reported my payment as 30 days past due to credit reporting agencies which made my credit score drop. Im unable to reach them by phone now so they can correct this. My XXXX XXXX card payment is due today as well and they are managed by Comenity as well so that site is down too and I cant reach anyone by phone so I fear I will have the same outcome
Consumer complaint received 2022-09-08
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: CITIBANK, N.A. (IL)

In accordance with the fair credit Reporting Act XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (TX)

I have been trying to make a payment since XX/XX/2022 for my Victoria Secret Credit Card, it keeps giving me the same message that they are conducting a planned update and they are unable to let customers sign in to their accounts and make payments for days now, it is XX/XX/2022 and I have not been able to make any payments even though my payment was due yesterday, I do not want this to be reported on my credit. I have also been trying to call them and no one will answer
Consumer complaint received 2022-03-01
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. (KS)

On three separate occasions I have sent Experian certified letters to correct inaccurate information they've placed on my credit report. The first date was XX/XX/XXXX, follow up letter XX/XX/XXXX, and again XX/XX/XXXX. 
I have received zero response from them, The account is a closed account, paid in full. They are reporting " Paid, was past due 150 days ''. This is an FCRA violation, it Is outdated and inaccurate. Ive attached all three letters and the credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  XXXX account # 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 an account without my written instructions
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 I opened a checking account online with Citibank. The following day XX/XX/2021 I received an email from them that they needed address verification, I submitted that requested info the same day via XXXX as requested through Citibank. On XX/XX/2021 I received and email from Citibank stated my account was opened and I needed to fund the account. So I went ahead and funded the account. I received a debit card via XXXX the following XXXX XXXX. 

I tried using the debit card at the store and my card was denied. I came home and called customer service and they stated that my account has a " block '' on it because their back office has not reviewed the address verification, They asked that I give them another XXXX XXXX. XXXX XXXX had past still didn't have access to my account. So I went into my local branch spoke with the branch XXXX he tried to get this issue resolved but was unable to get the block removed. So at that time we decided to just open me another account an fund the second account. So I did that and then went home called the customer service department as asked to have the close the account that has the block on it. Customer service stated that it will take XXXX XXXX to close that account and they would send me a check with the balance owed to me. 

On XX/XX/2021 I go online to pay bills using the XXXX account and once again my card was denied. I looked up mu account online just to find out they closed the XXXX account emptied all my money. I called the bank they stated it as mistake but was unable to stop the process. That they are processing a check to send me of what was in that account. They do not have a timeline as to when I will receive my money back. 

So now I have an account XXXX XXXX but cant access because of the block on my XXXX account has been closed and my money is being sent me whenever it goes through their processing, I haven't had access to my money for almost a XXXX, I have rent, insurance, bills and XXXX to feed with XXXX access to my money. This is unacceptable! Please help get this issue resolved ASAP.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Accounts Disputed : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Please Advise I was never late on the accounts listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply proof please delete these alleged late payments from my credit report. These are invalid late payments being reported. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (MD)

I am a consumer by the law and my information was misused and now I have false information, not 100 % accurate accounts on my credit report. All being unauthorized use of my credit report.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This has been going on with Bank Of America in XXXX XXXX Florida on XXXX XXXX I had an account with XXXX and they were taking money out of my account for items that I did not receive so I went to the bank immediately with XXXX pages showing them that there were errors so they issued me a temporary credit and then they took the credit back now this has been going on since XXXX I am still out close to {$1000.00} when I went to the branch the manager whose name is XXXX and I have her on video and recording telling me that anything to do with checking and savings is not her problem she sat me at a vacant desk in the office there and told me to handle it myself which I also have on video, then because the monies were not in my account they took them out of my husbands savings account which was the money that we keep our mortgage money in, this has caused nothing but problems I even drove to XXXX to the main office to try and get it resolved they faxed XXXX pages of documentation proving that these charges were not accurate and that Bank Of America dropped the ball and its cost me literally no With no exaggeration I have spent the equivalent of two weeks on the telephone trying to get this straightened out and just yesterday I got a letter from Bank Of America stating they were issuing me a credit of {$160.00} and then today it shows the account negative by {$200.00} this is what I have been dealing with continuously am asking that somebody intervene because the branch manager there in her own words this isnt stuff she handles and she wouldnt be bothered with it I went in every day for almost 10 days before I took the hour drive to XXXX I am begging that somebody resolves this. With respect XXXX XXXX XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

Attempted to pay via the payment portal websites for each of these store cards : XXXX, Express, XXXX, Torrid, XXXX, & Victorias Secret ; payment website states only same day payments are accepted but will not allow me to login to pay. I can not access my online bill, attempts to call the customer service line to pay over the phone are unsuccessful as the line disconnects shortly after stating that they are undergoing system updates. Comenity Bank has been unresponsive through all social media avenues.
Consumer complaint received 2022-03-01
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. (LA)

This is a complaint against timeshare XXXX XXXX. The people I dealt with claimed to not to work on commission. When I spoke to them, they told me I was making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They offered us free vacations that we didn't even get. They have our ID during this process. Everything felt rushed especially when they didn't even gave us enough time to read through the contract and understand it's contents so we can be fully aware of the details of the agreement. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We've called them several times. Worst parts was actually the their whole process. They pressured us into saying yes even after we declined several times. We were taken on a bus to a location, they were our ride back and would not take No for an answer. This timeshare has been so stressful for us. They call us several times a month, harrassing us for payments even after hurricane Ida left us XXXX. This also put stress on our relationship as we get into arguments for getting involved in this timeshare that we can't even use because of very limited dates available. We even lose sleep over the stress caused by this timeshare. Lastly, all we got from this are financial difficulties and negatively affecting our credit scores. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to & taken advantage of.
Consumer complaint received 2022-06-28
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. (FL)

My payment for my XXXX XXXX which is issued through Comenity Bank was due yesterday XX/XX/22. When I opened the app to make a payment, it stated that scheduled maintenance is taking longer than expected and that my information was still secured. I attempted to make a payment without signing in with username and password and still was unable to make payment. I've contacted them and it says to call back at a later time. I've attempted to make my payment again and still recieved the same error message. I've gone to their XXXX page for updates and nothing. I don't want to incur late fees or have my credit score lowered because of this.