davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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: National Credit Adjusters, LLC (TX)

This company is claiming that I owe a debt, but I have never had a relationship with National Credit Adjust. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 2 months ago.
Consumer complaint received 2023-05-24
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. (NC)

I have spoken with XXXX XXXX over 2 weeks ago and they confirmed that the inaccurate reporting on my credit report will be fixed in 3-5 business days from date XX/XX/XXXX. They informed me {$42.00} balance should be reported on my credit report but instead {$400.00} balance was reported on my credit report dropping my score over XXXX points in the middle of purchasing my first home. I called back XX/XX/XXXX to get a status update only to be informed that they needed proof that the {$400.00} was reporting on my credit report, I sent in a screenshot of my credit report and have not heard from anyone yet. This has prevented me from closing on my home and if I have to pay the the price this company will pay if for me. Its unfair and insensitive to mess up someones credit score in the middle of a big purchase. Fix it!
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. (UT)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX  XXXX XXXX XXXX., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have an account with XXXX XXXX XXXX for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, XXXX offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have 1 late payment in my history from XX/XX/2021. As you can see from my history with XXXX that is the 1st and only reported late payment which was no fault of my own. I contacted XXXX several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My social security number is XXXX On experian credit report and XXXX Credit report and XXXX XXXX report there are negative items that supposed to be blocked from my credit report I have filed a federal trade commission identity theft report on file please have experian and XXXX and XXXX XXXX removed these negative items from my report
Consumer complaint received 2023-01-01
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. (NJ)

I paid a large balance off in full in XXXX, this was the last time the credit card company updated my balance to my credit report. Today, 5 months later, the previous balance is still listed. When I filed a dispute via Experian, the line item was removed due to lack of response from the card issuer thus removing a large available credit facility. XXXX XXXX  is the issuer for my XXXX Credit Card.
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)

Community Bank website continues to be down not allowing us to access our account, make payments, or review charges. Additionally, the card is being declined every where except BJ 's stores. They phone number takes you to a recording but no answers from anyone, no representative to discuss the issue with. Yesterday, the recording indicated the service centers were closed.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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. 


XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXXXXXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2022-08-22
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. (NY)

I have an account with XXXX XXXX  XXXX  for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, XXXX offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have 1 late payment in my history from XX/XX/2021. As you can see from my history with XXXX that is the 1st and only reported late payment which was no fault of my own. I contacted XXXX several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION (PA)

In the mail I receive an Unavailable/Insufficient Funds Notice from the WSFS bank . For {$31.00} I order a product from a XXXXXXXX XXXX XXXXXXXX XXXX catalogue. The check does not reach a WSFS branch bank in this amount. The notice says I wrote a check number XXXX in the amount of {$2100.00}. A branch of WSFS calls me and tells me about the amount I did not write on check number XXXX. The next day I enter a WSFS branch, show them the duplicate copy of a copy I wrote in the amount of {$31.00}, plus I bring other information the branch may use to correct what I did not do. They close the account, fill-in and print-out forms to send to places I receive a direct deposit of money from, and order a set of checks for me. The next day I send the forms to the State of Pennsylvania and to the Social Security Administration in XXXX XXXX Pennsylvania. In the mail I receive notice from the State of Pennsylvania that on XX/XX/2022 the given amount will be deposited into a checking account. What happens the amount is deposited in a " closed account. '' Immediately I walk into a WSFS branch and I learn the money is deposited in the same account number not the new account number. The Social Security deposit I do not learn if it is the new checking account. In the mail I continue to receive " Unavailable/Insufficient Funds Notice '' from WSFS.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XXXX XX/XX/2022 USAA again put a 7-day hold on my payroll check, which is causing me to be subject to fees because I have automatic payment on some of my bills. This hold is causing my account to be subject to nonsufficient funds fees which USAA charges me. I would like them to be audited because there may be others who are being abused.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My credit card was used fraudulently in XXXX of 2022. I am attaching my statement where the charges are found on XX/XX/XXXX and XXXX. I have tried to resolve and placed a dispute with Bank of America and after about 5 weeks they put the charges back on because they said a chip was used. The card was in my possession the entire time. The last two charges I made before the eleven charges that are not mine was at a restaurant called XXXX XXXX and XXXX in Washington DC on XXXX XXXX.The charges that are not my charges are ( all on same day that I did XXXX XXXX  and XXXX ) XXXX XXXX  XXXX XXXX {$130.00} XXXX # XXXX {$320.00} XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$160.00} XXXX XXXX Va I do shop at XXXX sometimes but never at XXXX I do not like this store. {$310.00} XXXX XXXX {$49.00} XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX XXXX XXXX Va {$44.00} Please help with this issue I am a Washington DC XXXX, XXXX XXXX XXXX, with XXXX on my XXXX and make a very good living. I have no reason to be filing this except I feel like my character and finances are in doubt. I am very unhappy how Bank of America is handling this I have been with them many many years about 20 and Have no reason to try and fraud anyone. XXXX XXXX. I was issued a new card
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXXt, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  Account # 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 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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX. Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in 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. (MT)

Comenity XXXX site and phone has been down for the last 5 days. I have been trying to make a payment and call and there is no way to contact them. Hundreds of people are trying to make payments and can not. Dont want to be charged a late fee. 

They have a automatic message on the phone and on their site that says their planned maintenance is taking longer than they expected.
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)

ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO XXXX CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.
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: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX  TX Account # XXXX This particular account is an account that should be deleted because the deal fell through because I was not able to provide a title for the vehicle I wanted to purchase, Therefore the loan fell through. That means that the information being reported is inaccurate. XXXX XXXX XXXX TX never gave me any money so I don't ow them anything. 
Consumer reporting agencies are also in violation of 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or
Consumer complaint received 2023-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times with Capital One to delete the closed credit card account due to Capital One violating XXXX XXXX COMPLIANCE I have paid the account but Capital One refuses to delete the closed credit card account
Consumer complaint received 2022-06-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

GUARANTEED XXXX XXXX ASSUMEND OR BOUGHT MY MORTGAGE ON XX/XX/2022, AFTER I CLOSED ESCROW ON XX/XX/XXXX. I APPLIED IN ESCROW TO MAKE BI-MONTHLY PAYMENTS, IT WAS NEVER SET UP SO. AFTER I MAILED IN MY FIRST MONTHLY PAYEMENT I CALLED THEM & REQUESTED BI-MONTHLY PAYMENTS. THE NEXT MONTH I MAILED IN THE PAYMENT AGAIN & IN XXXX ANOTHER PAYMENT. I CALLED THEM AND ASKED THEM WHY WASENT I PUT ON BI=MONTHLY PAYMENTS? THERE ANSWER WAS IT CAN TAKE UP TO 2 MONTHS. 
COME XX/XX/XXXX, I RECEIVE A DELINQUIT NOTICE AND ALSO A LETTER FROM XXXX XXXX, XXXX, TX STATING THEY WILL BE MY NEW MORTGAGE COMPANY XXXX ON BEHALF OF XXXX XXXX, XXXX  EFFECTIVE XX/XX/2022 XXXX I CALLED GUARANTEED XX/XX/XXXX, & TALKED TO A XXXX XXXX XXXX IN CUSTOMER RELATIONS & ASKED HIM WHY THEY NEVER TOOK OUT THE BI=WEELY PAYMENYS & ALSO WHY AM I BEING CHARGED A DELINQUINT LATE FEE OF {$17.00}? HE STATED BC THEY NEVER RECEIVED THE PAPERWORK FOR THE BI-WEEKLY WIITHDRAWLS BUT HE WILL RECIND THE LATE FEE. 
TODAY SINCE I OWE THEM FOR XXXX I SENT THEM IN MY PAYMENT OF {$690.00} THEN SINCE THEY SOLD MY MORTGAGE I ALSO MAILED A CHECK OF {$690.00} TO XXXX & REQUESTED THEM TO MAIL ME THE PAPERWORK TO BE PUT ON AUTOMATIC BI-WEEKLY WITHDRAWLS. SINCE XXXX TOLD ME AS OF XX/XX/2022 MY MORTGAGE # XXXX WILL BE IN EFFECT I OWED GUANTEED FOR XXXX SO I JUST SENT THEM THAT CHECK & SINCE I WILL OWE XXXX FOR XXXX I ALSO SENT THEM 1 CHECK FOR {$690.00}. 
I WAS NEVER TOLD OR RECEIVED ANY MAIL OR PAYMENT COUPONS OR BOOKS, OR NOTIFIVATIONS FROM GUARANTEED UNTIL NEAR THE END OF THE MONTH STATING I WAS DELINQUINT & TO MAKE A PAYMENT NOW. 
GUARANTEED RATE LETTER WAS MARKED XX/XX/2022 & I RECIEVED IT ON XX/XX/2022 BUT WHEN I MAILED IN A PAYMENT IT WAS WITHDRAWN 3 DAYS AFTER MAILING.
Consumer complaint received 2023-07-14
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/XXXX DEPT OF EDUACTION/XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX