davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

For the cards To whom it may concern at the consumer financial protection bureau. This account during the pandemic was hacked and fraudulently charged when my passwords were stolen. This way relayed to the company who holds the credit cards and told to reverse the charges, I will not pay for fraudulent charges by an actor unbeknownst to me, so they decided to charge off the credit card. Please remove this charge off from my report as it is inaccurate and predatory given the nature of the outcome from what happened. 
XXXX account # XXXX XXXX account # XXXX Thank you XXXX XXXX
Consumer complaint received 2022-04-24
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)

THE FAIR CREDIT REPORTING ACT OUTLINES THE RIGHTS THAT IDENTITY THEFT VICTIMS AND THOSE WHO BELIEVE THEY ARE VICTIMS HAVE THE RIGHT TO BLOCK FRAUDULANT INFORMATION FROM THEIR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT. BLOCK AND REMOVE THESE FRAUDULANT INQUIRIES.
Consumer complaint received 2022-12-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NM)

It has been a couple of years since I worked with a debit repair program. Ever since I have only had a XXXX card with a low credit limit which I did not include in my Debt repair. During this time I have used this card and paid off my balances each month. 

In XXXX I was looking to book 2 tickets to XXXX. Every time I looked at Southwest Airlines, there was an offer from Chase. The promotion was earn XXXX miles and a companion pass after 3 months. I resisted the urge to apply even though I had been wanting a card that earned miles to make travel affordable for my family. I continued to look for flights, every time seeing this same promotional offer. I was even emailed the same offer. When I finally booked my tickets, I decided to apply for the offer. I had some big purchases I needed to make, ( and the money to pay for them ) and I knew I could make the 3 month spending requirement for the offer. While I was applying, I returned to the original page 2-3 times to make sure I clicked in the right place and was applying for that specific promotion. Every time I clicked on Apply in the promotion banner, the information I had already entered was still there, so I submitted my application. I was approved with a high interest rate and {$3600.00} credit limit. I felt confident I could pay my balances each month and could avoid the interest. 

About month into having the card, I emailed Customer Service to ask them if I paid my balance before the billing cycle ended, would the balance still count toward the offer of XXXX miles and a companion pass. The customer service rep responded and informed me the promotional offer I mentioned was not the promotion I was given. Instead I was given a {$200.00} credit and XXXX miles after the first month. I would not have applied for a card with that promotion, and I never saw a promotion with a {$200.00} statement credit and XXXX miles. The rep apologized for the confusion and asked that I send them an offer code or an email with my name on it that shows the promotion I believed I had applied for in order for them to match it. I sent pictures of the promotional offer in my email with my name on it. The next response, was that promotion had expired and there is nothing they can do. I emailed again and said it was not expired when I applied for my card, and I would not have applied if I didn't think I was earning XXXX points and a companion pass. I asked them to show me in the Credit Card Terms and agreement where it says the applicant is not guaranteed the promotion they apply for and promotions are subject to change even in the middle of the application process.

So now I have a new high interest credit card that I don't even want anymore because of their bate and switch tactics.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello my name is XXXX XXXX, I am a victim of identity theft, my wallet was stolen and it had my identity in it. I'm contacting you guys to delete the following information in my file to correct my credit score. I already reported the issue to the Federal Trade Commission. I would appreciate it if these items can be deleted as soon as possible. Thank you! 

Account Name : XXXX XXXXXXXX XXXX  XXXX Account number : XXXX Open date : XX/XX/XXXX Account balance : {$3.00} Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

In XXXX of this year, I contacted a XXXX XXXX XXXX credit card representative after I noticed fraudulent activity on my card. Instead of replacing the card number, they told me they would remove the fraudulent charge and I would keep the same card number. This concerned me, but I complied and kept the card. The following month, I again noticed fraudulent activity and once again had to reach out to the credit card company. This time, they told me they were going to replace the card. I had a bill coming due soon, so I asked about paying it. I had a {$41.00} bonus credit on the card that I was going to use to pay the card. The rep told me that's not how that works, even though I knew it was possible to use the credit to pay the balance because I had done so in the past. She told me to wait for the new card, which concerned me because I had already submitted the credit request to pay the balance. I payed the balance on the due date, despite the confusing message I had received from the rep. Despite all this, I still received a late fee because they said the payment was received after XXXX. I called and emailed the company, but was told there was nothing they were going to do about it. 
None of this should have ever occurred had the credit card been replaced after the first call regarding fraud.
Consumer complaint received 2022-04-08
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. (TN)

My leased XXXX was stolen on XX/XX/XXXX. My car insurance, XXXX, sent a check directly to XXXX XXXX on XX/XX/XXXX for a Total Loss Buyout. Because the car was a lease, the check went directly from XXXX car insurance to XXXX XXXX. 
On XX/XX/XXXX XXXX XXXX deposited the full Total Loss Buyout in the amount of {$22000.00}. 

XXXX XXXX has told me they refuse to close the account due to technical error and refuse to fix the false reporting. They told me I need to wait for my credit to be fixed until they resolve their " Technical error ''. 

I have spent hours and hours and hours on the phone trying to resolve this over the past year, but it is the same answer every time. We have tried closing the account, but are unable to do so, due to technical error. 

XXXX XXXX has been paid in full and the current amount due is {$0.00}. 

I have tried disputing this on my own but XXXX refuses to verify with the credit reporting agencies that the account has been satisfied.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6500.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.
Consumer complaint received 2023-08-31
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: EQUIFAX, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2022-10-12
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Comenity / Bread Financial Please see complaint # XXXX SUBMITTED ON XX/XX/2022. 

1. In response to first complaint ( above ) Comenity / Bread Financial sent me a letter from XXXX XXXX XXXX XXXX ) on XX/XX/XXXX credited my account IN FULL bringing account balance to XXXX. This letter is included in attachment. 

2. " XXXX XXXX Customer Advocacy '' can not be reached and is believed to nor exist. 

3. Comenity continues to bill me for penalties and charges 4. Comenity has submitted has submitted ( and continues to so so ) negative credit reports and has damaged my credit rating XXXX. Comenity fails to cease charges and penalties during this dispute XXXX. Incompetent customer service seems to acceptable for Comenity / Bread Financial
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

I made a purchase of a computer component for {$490.00} in XX/XX/XXXX that was on back-order. The vendor stated the component would be delivered within XXXX weeks of the date of purchase which I was okay with. After waiting what would be a reasonable amount of time, I reached back out to the vendor who stated there would be a further delay. I requested a refund at which point I received an email confirming that refund. However, I never received the funds back into my credit card account. At this point, I realized this company was clearly committing fraud by taking people 's money and telling them there component would eventually get there but never intending to deliver the product. I reached out to Chase, the credit card company that I used to make the purchase. 

I submitted the documentation they requested on XX/XX/XXXX according to instruction given to me by Chase, but the initial dispute was denied 'automatically ' because I was outside of 30 days from when the charge posted to my account and was told that this was done to 'encourage customers to report fraud early '. I had numerous phone conversations explaining the situation, sent all of the documentation that was requested, but never received assistance in resolving this fraudulent scenario despite sufficient evidence and effort ( receipts, email stating a refund would be submitted, and communication with the vendor ). I appealed the decision on the dispute XX/XX/XXXX with a formal letter as suggested by the customer support representative, but never received further communication on the topic.
Consumer complaint received 2022-12-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BMW Financial Services NA, LLC (PA)

The company I am struggling with is BMW. I traded my XXXX that I owned free and clear in on my XXXXXXXX XXXX XXXXXXXX back in XXXX. I leased it for XXXX yrs never missed a payment, then decided to buy it. 
Because of a loan I co-signed for ( my granddaughter XXXX ) BMW charged me 16 % and it was on the last day I had to buy it or turn it in so I didnt have a choice, I bought it. 
I paid on that loan for XXXX yrs with no lates and a couple ext. pmts but my point being i always worked with them and was never a problem. 
I am XXXX yrs old now and retired in XXXX in XXXX  and moved back home to XXXX where all my children and grandchildren are. 
Now that I only get retirement i couldnt afford my rent and car payment. So I told them I was going to look for a job. I got a job making {$13.00} an hr at the local grocery store and called them about how we could do this and she said I had to pay the {$2000.00} and some in arrears or the car was being repoed. 
Well I cant come up with that kind of money because I spent all my savings moving here from XXXX  back to XXXX and deposits for utilities and such. 
I traded in my car I owned free and clear when I got this car and they charged me 16 % interest which as long as i worked I paid and now that I am retired and still owed a little over a year on it they want to repoe it leaving me with nothing to drive to keep a job and so forth.

I am not trying to get out of paying for it I just wanted them to rewrite what I owed on it which at the time was {$12000.00} to give me smaller payments to pay it off. They have not once tried to work with me and just want to repoe my car and leave me with nothing! 
Please help me.
Consumer complaint received 2022-07-01
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. (IN)

I took out a self-lending " loan '' with XXXX where the loan is funds that I pay to myself in an account. When the loan matures, I cash the loan out with a withdrawal. In the meantime, XXXX reports to the bureaus that I am making payments. I had the account set up on auto payment, which is a requirement of the company when you set the account up ( it must be linked to an account ) and they didn't take the payments out of the account. There were always funds in this account as this was the account that my direct deposits were going into and I was always employed and I had my withdrawals scheduled for when my direct deposits were put into the account. I followed up with XXXX but they don't have any customer service agents who speak English as their first language and the language barrier was difficult to break through. I kept trying to process the payments but they kept reporting the payments as past due when I kept explaining that there appeared to be an issue with their auto-payment system because the account had money in it and I had verified the numbers were accurate, even unlinked and re-linked the account. Instead, XXXX, single-handedly brought my score down more than 100 points when I had enlisted their services to boost my scores. I was obviously in good standing because they extended an offer for a credit card, which I accepted to try to rebound my score a bit. They continue to report the account as charged off when it is NOT charged off. It is in good standing as the attached screenshots show. In fact, when I finally had enough and closed the accounts, XXXX paid ME the money they owed me for self-lending. since this was me lending myself money by paying into a savings account for the soul purpose of trying to boost my credit score. I have tried disputing this but XXXX doesnt ever fix the propblem. Now, I am about to lose {$10000.00} in earnest money and the home I am under contract on and be without a home for my family to live in ( because I already sold my home on XX/XX/XXXX ) due to their derogatory marks. Their derogatory marks need to be removed as this is the only thing preventing me from closing on my home and they are being reported in error as the documentation that I am uploading clearly shows. 

Additionally, when I opted to close the account early, there were fees assessed that weren't itemized. I have NEVER been provided a statement or itemization explaining these fees. When I log in through the app and on the computer, there is ZERO transparency and no access to past statements showing balances, fees, payments, etc. There is no truth in lending or transparency and leaves a lot to the consumer to question and wonder about where their money is going. 

I have a very short period of time for this to be resolved before my EMD is forfeited to the seller of the home. I ask that this is resolved in a timely manner. Thank you.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

I have contacted the company and spent several weeks trying to get it resolved two months ago and they said it wouldnt happen again.Well it happened again and this time it is worse.My credit report doesnt populate outside of Equifax online system.The mortgage lender and credit monitor service that I pay doesnt have my equifax report.it says no data found or accounts.I have several accounts such as student loans and car loans.I called each account and they all said its reporting fine to all three .I asked the lender and they said they can pull XXXX and XXXX but no data or account populate for Equifax . I could not get a straightforward explanation and now its causing an issue for me to apply for anything. I can even get a free credit report from annual credit report website.I had to go through Equifax website to get one but its not detailed at all its like a summary.Im not sure what Equifax is doing but it needs to be looked into.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I was suppose get an refund for XX/XX/2020 which the agreed without returned to my bank account we back for it was returned I filed complaint cfpb in XX/XX/2020 about the matter and then the company Lexington law company personnel called from blocked number we discussed the matter nothing changed but they have kept billing me for service that they havent down since I canceled there service on or around XX/XX/2020.
Consumer complaint received 2022-04-24
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. (MN)

Thay never sent me a XXXX or XXXX type about negative item or a account thay must be deleted it's a fcra violation XXXX and XXXX XXXX model notice of negative account in accordance with The Fair Credit reporting act account XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 us c 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without instruction 15 USC 1666b a creditor may not treat a payment on a credit card account under any open and consumer Credit plan as late for any purpose