davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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. (CA)

I have been sending certified letters to Comenity Bank/Victoria Secret, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, XXXX, XXXX or XXXX  have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE (CO)

Around about XX/XX/XXXXXXXX XXXX XXXX I went into the bank for two purpose. 1th cash a check, a check I thought was from an employer, for XXXX 2nd to open a separate account so my funds and the business funds would not be in the same account. Upon arrive the bank manager was training an new employee, so she assisted in opening this account for me. On about the XXXX of XXXX said employer requested I send XXXX via XXXX XXXX for said alleged equipment for work. I sent out XXXX, I was busy so I couldn't send out anymore on that day. On the following day which is Sunday, XXXX employer XXXX wanted me to send out another XXXX to an supplier via XXXX XXXX. On that same day said employer requested another XXXX via XXXX XXXX my bank rejected the request so the said employer requested XXXX via XXXX XXXX. I deposit a check for XXXX thinking it was from an employer. ( scammed ). I sent out XXXX dollars and requested a cashier check for XXXX. After finding out from my bank that the check had bounced that is when I found out I was scammed. I was able to stop a XXXX payment. I went in person to put a stop payment on the cashiers check because I didn't want the scammers to get the check for XXXX. The bank stated that they could not put a stop payment on the check for 90 days. I was angry. I stated why not? the stated that was their policy, I asked can I see that policy. The stated that they couldn't show me that policy. I asked for a regulation or policy stating that I couldn't cancel that cashiers check. No avail. After the officer took my report. I waited a couple of weeks and went to the to take the cashiers check and receipt to have the bank take that off of the balance. Although the bank states the the cashier 's check is part of the funds owed to the bank they refused to take the funds off the account or cash the check. I have a cashiers check for XXXX that was brought with XXXX check and the bank claims that they can't reduce my bill. The bank already took the money I have in two separate accounts to pay on this bill closing out both and took additional money coming into my account. Now I have no job I can't pay my bills such as stand by cash which is a loan with the bank. I had to find another way to get my SSDI so I could pay my basic bills. I had just cleared up my credit.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-07-05
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. (MS)

I previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX XXXX XXXX to be investigated since I am a active servicemember with full insurance. The Credit Bureaus, Experian and XXXX claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. XXXX is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of verification.
Consumer complaint received 2022-05-20
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-07-05
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. (MS)

I previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX  XXXX XXXX to be investigated since I am a active servicemember with full insurance. The Credit Bureaus, XXXX and Transunion claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. XXXX is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of verification.
Consumer complaint received 2022-10-12
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. (PA)

i went to get a vehicle and they said they would pull from the company itself now i have several inquiries and from other im not aware of who inquired i would like to resolve this issue by removing the inquiries.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

In mid-XX/XX/XXXX the bank froze my accounts ( checking and savings ) and confiscated all my funds ( {$16000.00} XXXX and have refused to discuss their actions with me. I do not know why they took this action but in working with the Assistant Manager of my local branch it appears it has to do with a former client of mine ( I am a XXXX XXXX ) and all the wrong doing, if any, was done by that client. We can discover no wrong doing by me. The bank refuses to discuss their action with me. The Assistant Manager has sent at least 5 inquires to the " higher ups '' asking that my accounts be unfrozen, but has not recent a response. The bank 's Fraud Resolution Group has sent three messages to the office who imposed the freeze and they to have not received a response. I have made two written submissions to the bank setting out all the details of my former client 's actions. I have not received any response. 

In addition the XXXX Federal Stimulus monies ( {$1200.00} total for my husband and I ) were sent to our joint account at the same bank by the IRS. The bank has retained the funds and has refused to release them to us or to refund them back to the IRS. The bank gives no reason for this theft of our funds.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 3rd request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-13
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: Experian Information Solutions Inc. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO HAVE THE FRAUDULENT ACCOUNTS REMOVED/BLOCKED FROM MY CREDIT REPORT. I HAVE ALSO FILED A POLICE REPORT, I HAVE REACHED OUT THE CREDITORS WHO ISSUED THE FRAUDULENT ACCOUNTS. THE CHARGES ARE NOT MINE, THE ACCOUNTS ARE NO MINE, I AM VICTIM MY KIDS ARE A VICTIM BECAUSE WE NEED TO MOVE NO ONE WILL RENT US A HOUSE, HOW FAIR IS THAT???????
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is reporting the following incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
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: Army and Air Force Exchange Service (TX)

Card was used on the XXXX of XXXX for XXXX and again on the XXXX for XXXX after it was stolen I emailed the fraud dispute company on the XXXX when I realized it took them until XXXX XXXX to respond with the information they needed I sent that on XX/XX/XXXX since I was unable to send emails until then and have since then emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX thinking maybe they were just to busy from holidays but have not gotten a single response to any email as to wether action has been taken yet
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (TX)

XXXX : Account number : XXXX I've disputed this account ( XXXX : Account number : XXXX ) numerous times due to inaccurate information being reported on my credit file, even after the bureau have stated countless times that the account has been investigated and verified, after a year Im finally reaching out to the CFPB regarding this issue. 

I've attached a copy of my CFPB compliant ( supporting documents ), detailing the removal of account : XXXX : Account number : XXXX after XXXX finally was able to do a proper investigating of the account. 

For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? 

At this point I am no longer asking you to reach out to the furnisher to verify or investigate this account ( a year has been long enough ), im demanding that you delete it from my Credit Report Today!
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 58 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 58 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC (TX)

In 2015 my identity information was hacked and stolen from my employer, they notified me that several employes was affected. I discovered this to be true when I filed for my income tax and someone using my stolen identity had all ready filed on my taxes. Now I have to use an identity code to file. So now my SSN is on the dark Webb. Also someone using my stolen identity opened a fraudulent XXXX XXXX XXXX in the amount of {$1200.00} without my knowledge or arthization.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have checked my credit report and saw that there are items appearing that need to verify because I am not aware where they came from, below are the items appearing ; XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and I wanted these items to be removed on my report.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been unemployed since XXXX of XXXX and filed a forbearance request with my mortgage lender, XXXX XXXX XXXX. I received a letter from the lender dated XX/XX/XXXX detailing my temporary hardship forbearance plan. I followed up with a phone call in order to confirm the information in the letter. The representative from the processing company, XXXX, confirmed that the plan was approved and no payment was due until XX/XX/XXXX. I was told I would be contacted to discuss re-payment options at the appropriate time. 

On XX/XX/XXXX, I had not received any communication from the lender so I called to get a status on my loan. I was told that the loan had been transferred to another servicer, XXXX, and the paperwork had not been fully transferred over to the new servicer so they would be in contact. In XXXX I began receiving letters that my payment was late so I called back to find out why I was receiving the notice. I was assured that it was sent in error and not to worry as it would not affect my credit. 

In the ensuing weeks, I called repeatedly, ( no less than 10 times ), and was given the same explanation and the notices continued, including a notice that the load was not in default. Last week, I received a notice from the credit bureau that my score had dropped 38 points because of this issue. I contacted the lender and was told they would correct the issue on call me back on Wednesday, XX/XX/XXXX. 

I have yet to receive a call back and the issue has not been resolved. This company, XXXX XXXX XXXX, has been completely negligent in how they have handled my account and have completely ruined my credit in the process. 

Your assistance is greatly appreciated.
Consumer complaint received 2021-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

We used our credit card to put down deposits for work that was supposed to begin on our home in 2017. The zoning board stepped in which caused a delay of 1 year on our project. By the time we were approved the contractor had gone out of business and all of the deposits we gave were not applied and work was never completed. We contacted capital one and they did an investigation over a few months and said it was fraud and my money would be returned and that it could be used to finish the home. They wished me well and that was that. We then used the money with a new contractor to finish the home..six months later capital one calls me and said they were taking another look at the case and that they decided it should be redone as a dispute and reversed all my charges taking me from a negative XXXX balance to a positive XXXX balance. They refused to give me the transcripts of the calls where they said I could use the funds and they basically changed there decision because they said the time frame between the charges and the fraud claim was to long. I explained that was because of the 1 year process that took place because of the zoning board. I paid off the card over the original timeframe and only used it again when they said I could. I had to hire new contractors and pay for all the work again since the original contractor never did the work but gave my card to pay his debts telling me it was for deposits on my job. I only found out when it came time to do the work that he defrauded me and thats when I put the claim in for fraud. I dont understand how they can do an investigation make a decision and tell someone its finalized and they can use the money and when I do change there kind months later and take me from a credit of XXXX to a balance of XXXX a XXXX swing. Please help!!
Consumer complaint received 2021-10-25
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: EQUIFAX, INC. (PA)

Hi my name is XXXX XXXX. On XX/XX/, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.