davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CO)

Comenity bank, branded as XXXX ( travel booking website ) upon consumer request was instructed to close a consumer account on XX/XX/XXXX. In fact, the account was not closed which allowed fraud to be perpetuated on XX/XX/XXXX and Comenity capitalized on that fraud through the imposition of late charges and interest fees. Upon consumer remediation efforts, Comenity was unable to explain how a closed account was permitted to be used for charges a month after the account was to be closed.
Consumer complaint received 2023-03-23
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (NC)

I paid a bill by settling in early XXXX XXXX have not seen an increase in my credit score yet..Experian told me to XXXX XXXX called XXXX and they told me to contact Experian because experian is supposed to key in some information into an arithgoriam or something and XXXX pulls info from it to adjust the credit score. The creditor was XXXX XXXX and the amount was a little over 600 ..collector was Living Funding. I also spoke to someone about removing names that arent mine.XXXX XXXX and XXXX XXXX should be removed..My current job has been removed and shouldnt have been..GXXXX XXXX XXXX is my current job. The closed student loans should be removed
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On Monday, XX/XX/2021 at approximately XXXX XXXX  I was Sitting in the backseat of a car at the gas pump at a XXXX gas station on XXXX XXXX in XXXX Georgia The driver in the front seat passenger were in the store and while they were in the store two men came into the car put guns to my head and took everything I had. Two of my phones, my purse, and my wallet which included : my Social Security card, ID, license, bank cards, and credit cards. The robbers immediately began running through my account at gas stations doing ATM withdrawals ( which have cameras and should be able to be looked at ) XXXX to XXXX XXXX and Using XXXX XXXX from the phones they took from me. When I was finally able to get to a phone I called my bank Wells Fargo to dispute the charges and cut my card off. They Made a claim and cut my card off sent out a new card but updated the cards on my phone that was stolen so the robbers were able to run through the rest of my bank account until I went into the negatives. When I noticed this I called again to file another claim. A total of XXXX was taken from my account. I filed over four claims all were denied. I tried to appeal the decision of the claims and provide a police report and I was denied again. I made a complaint about the decision to the executive office it was denied a final time and I was told that there was really no way of getting the money back at this point. I am submitting this complaint for myself because that was all the money I had to my name and Ive been without any money to my name, been without food, not able to pay my bills for the last month. I am a single XXXX year old woman and XXXX, I do not have a job and am completely independent so this is impacting my life very terribly I am willing to do whatever it takes to get my funds back. I did further research and typed in the numbers they sent money to and found names and addresses of people involved if that helps at all.
Consumer complaint received 2021-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC (AR)

The date of this debt is XXXX XXXX XXXX in the amount of XXXX I didnt didnt purchase anything from these people and I never lived at the address and didnt receive any Merchandise from them.
Consumer complaint received 2021-07-13
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. (TX)

i have mailed certified letter and verbally spoke with Experian for the past 6 months with no results. I have been hung-up on and told that they don't have to have proof that the information that is provide on my report is acquire. I have asked to speak with supervisor for the rude and unprofessional behavior that I experienced and no one called me back. I was told the only way that my file could be corrected is if I had a paid membership. My number is blocked from the system i have to call in with different numbers. Today i was hung up on by XXXX in special departments. i have all my certified mail receipts and some recorded phone calls
Consumer complaint received 2022-09-22
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT NUMBER XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

All of this information is listed on my credit file and is in error. Per the Credit Act of 2020 section 401, this should be removed as I don't have agreement or contracts authorization these inquiries. I've checked with the bureaus and they are unable to validate but refused to remove. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-07-13
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2500.00} -This is not my account.
Consumer complaint received 2022-10-23
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)

I spoken with Equifax about two inquirys ive noticed on my credit Report they are not with open accounts. I sent in my formal 2 page request. 1 Page with DL & SS & 2nd to update the spelling of my name & to remove the two inquriys. But they keep saying the dont see the request, but it request is on i page there giving me the run around
Consumer complaint received 2022-08-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XXXX, we found out that we have a crumbling foundation and notified the bank/mortgage company ( i.e. Bank of America ) with the hope that they would help us in the process. We stopped payment because we were not going to be able to afford fixing the foundation and make mortgage payments. 

We applied for a modification in early XXXX. During that time period of complete shut down from the pandemic, it took XXXX  months to hear back from the bank while interest accrued. We were offered a trial payment modification program and made the 3 payments on time. I lost my job in XXXX and left another job due to unsafe conditions in XXXX. My unemployment was held up for 3-4 months and my husband 's hours were reduced. We were not able to make the XXXX payment to complete the modification program which then expired. 

We reapplied for a modification in XX/XX/XXXX, this application was received and confirmed by BOA. I followed up several times during the 6 months but that application disappeared. After many calls talking with different people, we applied for a third time in XXXX XXXX. Again, it took over 6 months to hear back from the bank. They offered $ XXXX over a 14 year period starting in XXXX. This would not be sustainable based on our annual household income. 

We contacted the Connecticut Housing Authority and spoke with XXXX XXXX who got in touch with XXXX XXXX, customer service, from BOA. They were going to appeal this decision and advised us not to make the payment until XX/XX/XXXX. XXXX said that we could make the payment over the phone and when we tried, we were told that we could only mail it because our account is in suspension. I would have sent it overnight but there is only a po box so I had to mail it.

BOA called and informed us that the payment was late and that the trial is null and void. I explained to the woman on the phone that we were advised by their own person and the HUD representative to mail on XX/XX/XXXX and that the postmark before XX/XX/XXXX was ok. 

Over the past few years, we have attempted to make payments online, over the phone or in person at a BOA branch, but the bank will not allow us to do this as interest continues to accrue. We are in a never ending circle, talking with different representatives who have different answers and suggestions along the way. We just wanted to get back to making our payments and we have continually been blocked. This is insane. 

To top this off, we are scheduled to get our house lifted and fixed starting XX/XX/XXXX and BOA is not working with us. We'll need to spend an additional $ XXXX to complete the repairs and we don't even know what the bank is going to do. 

Help us please.
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (GA)

My father passed away and left me with XXXX XXXX. His bank initiated a wire transfer on XX/XX/21 and funds were deposited into my PNC account on XX/XX/21. The XXXX  to dollar exchange rate in those 3 days ranged between XXXX and XXXX. PNC applied an exchange rate of XXXX, basically 'skimming ' more than {$3000.00} from the amount deposited into my account. Prior to executing this transaction I had researched PNC ACCOUNT AGREEMENT FOR PERSONAL CHECKING ( see attachment ), PNC Performance Select Features and Fees ( see attachment ), and PNC Foreign Currency Services for Travel ( XXXX XXXX XXXX ) : there is no mentioning of a foreign currency 4 % mark-up ( or in this case mark-down ) on international wires. 
This egregious lack of transaction transparency on PNC side runs against UDAAP principles and results in customer harm : if the foreign currency mark-up had been properly disclosed I would have chosen another institution to deposit those funds. I have taken the time to call PNC Executive Client Relations team several times to get to the bottom of this, but so far they have not provided any answers.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (TX)

I sent out over {$200.00} dollars of Certified letters via mail to All 3 Credit Bureaus on XX/XX/2023. With disputes letters along with copies of my identifications to verify who I was. I asked that all XXXX credit bureaus send me an updated copy of my credit report once the corrections were made/fix/resolved. But all 3 credit bureaus didn't fix or resolve the disputes or send a corrected/updated credit report. In fact the disputes I sent to them are still reflected on my account as I type this complaint on XX/XX/2023. Which has given the company 4 months of opportunity to resolved my disputes. But they have not.
Consumer complaint received 2024-12-18
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. (NY)

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2800.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NY)

XX/XX/2022 I ordered something from XXXX I never received it I called my credit card company Avant and told them that I never received my item they told me it would take 60 days to get in contact with the merchant to resolve this issue. My account was accumulating fees behind this transaction I was told I have to pay the minimum balance or I would have fee on my account I asked for a credit of the amount of the transaction so it wouldnt accumulate fees I forgot what was said. This has been going on for a few months I finally contacted the merchant because they was taking to long to get my money back which I have gotten back but its still late fees on my account my credit card company Avant told me they could only give me a credit for the most recent fee and not for the other past month
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I am with Pennymac Loan Servicing. I received a notification that my home was going to be foreclosed on XX/XX/2021. I checked my bank account and all payments had been made. I called Pennymac and they ask me if there was a special reason why I made my XXXX payment on a Friday. I responded that the payment was due on a weekend so I made it early. I was then told that because it came early and was short it went to principle. They said that there was an escrow analysis completed in XXXX and that my payment went up. I let them know that I never received a notice of the payment increase and I was told that it was uploaded into my online account, which I have never used. They then told me that my XXXX payment was also short and that payment was placed into suspense. When I asked how short I was they told that both payments together were short {$33.00}. They put me into foreclosure for {$22.00}, I could not believe it. They did tell me that I had two late payment fee reversals that I could use to waive the two late payments. Nice of them considering I have two loans with Pennymac for over 15 years. 

My XXXX payment was made before I could I could change the automatic payment amount from my bank so I went to the Pennymac website and made a payment for the difference. I received a notice from Pennymac that my additional payment was return by my financial institution and they put me back in collections for the {$11.00} I still owe. I called my Bank, XXXX  XXXX XXXX, and they commented that no payment had been returned. So now I am on the phone again with collections for {$33.00}, there systems are down so they told me I have to call back. I told them I was going to notify the CFPB and guess what they called me back.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I have contacted Synchrony Bank/Mattress Firm Home Credit card multiple times regarding a fraudulently opened credit card that is under my name, which was opened XX/XX/2020. I have told this company that this credit card account is fraud and I am a victim of identity theft. Synchrony keeps trying to collect a debt that is not mine and harassing me. They have reported this to the 3 major credit bureaus multiple times ruining my credit. As soon as I found out about this fraudulent credit card account I let them know right away, which was XX/XX/2020. I have sent this company multiple police reports, FTC Reports, filed a better business bureau complaint, and filed Identity theft reports. I am also working with a lawyer. I sent this company proof that I am a victim of identity theft and they still keep harassing me to pay a debt that is not mine. They kept sending the past credit card statements to a place in XXXX, Florida, which I have never lived in Florida and I have proof that I have never lived in Florida from the FTC report I filed. I also let the 3 credit bureaus know that the XXXX, Florida  address was never mine and they took it off my credit bureau as being identity theft. I believe the criminal who opened this fraudulent credit card on XXXX XXXX, 2020 is the one that is living in Florida because that is where the statements and credit card was opened. I have lived in XXXX  my entire life except for when I moved to XXXX  at the end of 2020. I found out in XX/XX/2020 that I had a fraudulent account opened and I notified synchrony bank right away that this was a fraudulent account. I have never received or purchased any goods or services from Synchrony Bank/Mattress Firm Home Credit. My personal information has been compromised on multiple occasions and I have been a victim of identity theft. Please see attached all the evidence. I will continue to do what I have to do to get this account closed as fraud. I will not stop until something gets done. I would not be wasting my time doing all of this if it was not identity theft.
Consumer complaint received 2023-03-23
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (DE)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2022-12-15
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. (TX)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected : Original Creditor : XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX