davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

A XXXX XXXX XXXX account appears on my report that states I have a past due amount to XXXX XXXX from XXXX. 
I have never been with XXXX. 
There are 16 other XXXX XXXX in the XXXX XXXX area. 
I have been with XXXX since XXXX. 
I offered to provide my declarations page for each year. 
I submitted a dispute and within days they closed the dispute and marked the account as accurate. 
They refuse to open a second dispute or take my documentation.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (WI)

My MasterCard was previously administered by XXXX XXXX  and worked fine until it was taken over by Comenity at this URL : https : //d.comenity.net/XXXX I was promised {$100.00} cash back after spending {$500.00} and never received it, though I spent {$800.00} by XX/XX/2002. 

I also have XXXX Reward Points which I am unable to redeem for {$25.00}, despite many attempts, including today. Every effort leads to the Website freezing up. 

Moreover, Comenity misrepresented the offer of points earned, as they pay only 50 % compared to other banks. Their entire operation appears to be based on deceiving the customer. 

I have sent numerous emails to the company but they did nothing to remedy the problem.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX I had a total of {$1000.00} that was debit from my Bank of American account from a company called XXXX XXXX Book. I called the number on my bank account they have listed XXXX. I was getting no where speaking to someone there so I did my research and wrote to them in a email and they reply to go through my bank to dispute the charges and they would work with my bank to retrieve my funds back to me. I filed a dispute with Bank Of American on XXXX XXXX they closed it out with out even taken the email from me I called back they reopen it I got a fax number to fax over what the company told me to do on XXXX XXXX. On XX/XX/2021 I reached out to the company and asked for a update I was informed they never heard from my bank and once again told me to tell my bank I want to dispute these charges and they would work with my bank to retrieve my funds. Today XX/XX/2021 I check my claim and they closed it out again after I have faxed them 2 letters showing the company was willing to work with my bank to retrieve my funds. I called Bank of American and asked why they are not putting in for a charge back I am told it was closed and I can write a letter for them to look at it again. XXXX goes through a company called XXXX XXXX I have been emailing XXXX XXXX XXXX XXXX and XXXX XXXX and he keeps telling me to go through my bank and they will work with my bank to retrieve my funds I have 2 emails from him stating this. Neither company seems like they want to put back my funds. I never used there service nor did I allow anyone to use my card.
Consumer complaint received 2023-05-05
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Monterey Financial Services LLC (CA)

Monterey collection services has reported a debt they claim i owe as " new '' to the credit bureau. According to them, the debt I allegedly owe is from XXXX. However Monterey collections is reporting it as delinquent recently as of XXXX, most likely this is when they bought the illegitimate debt. By reporting it to the credit bureaus as " new '' they are violating reporting laws. The statute of limitations is nearly exhausted and it would be dropped from my credit report shortly thereafter. This should be corrected with the credit bureau. This company is already being investigated by agencies who have evidence that their practices are less than legitimate and lawful. I know this to be a fact as the agents have reached out to me directly to take my statement regarding Monterey collections and their unlawful practices. Monterey collections you can't just make up a date you like and report that to the credit bureaus. You must report accurate information by law. This collection agency knows this debt is illigimate therefore they report it as " new '' to buy them time to try to make a person believe they owe it. Not happening Monterey collections. At least report the date of delinquency accurately which according to you is XXXX not XXXX. I will continue to report Monterey collections and call them out until they report accurate information under the law to the credit bureaus. In the meantime I will continue the investigation to gather the evidence that this debt is illigimate to start with.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OK)

XXXX XXXX sold my mortgage to Flagstar bank. We continued to make payments to XXXX XXXX and no one notified us of the sell of our mortgage until we were 9 months late on our mortgage. When I finally received a phone call regarding the issue of being late from flagstar we were told that all notifications via mail were sent to our old address on file before we moved to the current location which is the address of which the mortgage was obtained. Now the company has ruined my credit and charged me late fees because they bought a loan not even knowing the address of the house on the mortgage they purchased. They refuse to waive all the late fees and will not voluntarily fix my credit score. Instead because of their incompetence I am the one inconvenienced.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

I recently refinanced my home due to the drop in interest rates. On XX/XX/XXXX I made my first electronic payment in full via my online banking portal. The payment was due on XX/XX/XXXX. On XX/XX/XXXX I contacted AmeriHome because my payment was not posted on the online portal for AmeriHome. AmeriHome said my payment was not received. On XX/XX/XXXX I faxed proof of payment from my bank. On XX/XX/XXXX my payment was still not posted. AmeriHome stated that proof of payment was received on XX/XX/XXXX and would take 10-14 business days to reflect online ; however, on XX/XX/XXXX my payment was still not posted and AmeriHome now states that they do not have proof of payment. I refaxed proof of payment and contacted AmeriHome with my loan officer. AmeriHome stated they are working on locating payment and will update me daily. On XX/XX/XXXX I have not received a phone call ; no response ; no update ; payment still not posted. I have called and called ; I have completed a live chat ; I have sent messages via the online message system. I have been hung up on by numerous representatives. I have been told that " it is not that big of a deal '' by representatives. I have been on hold for over an hour. I do not know what else to do to get my payment posted and not reflect my credit score.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2023-04-08
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)

Someone applied for a credit card/personal loan under my social security number and name! 
XXXX XXXX XXXX I got a notification that I had a hard inquiry on my credit report. That is how I found out as I NEVER applied for anything! I would like this investigated ASAP so I can get the law involved. This has affected my credit score!
Consumer complaint received 2020-07-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My mortgage is owned by Citizens One HomeLoans. Im currently in forbearance under a temporary loss mitigation program due to Covid-19 financial hardship. I have been unable to recieve any information about how to facilitate being considered for options provided through the CARES act upon completion of my forbearance period. On XX/XX/2020 I called my lender once again to attempt to recieve information related to my mortgage forbearance. When I made contact with my lender, two different customer service reps told me that all defferred payments would be due immediately upon expiration of my forbearance period. One told me that my forbearance program ended in XXXX and another told me it ended in XXXX. Neither could provide me with any information on their processes to comply with CARES act options, including the partial stand alone credit claim. When I referenced these options they had no knowledge of what i was referring too.Further the reps could provide no guidance on any steps that may be needed on my behalf to facilitate this process.Three agents i spoke to could not be understood due to quick speech and an extremely heavy accent, when i politely asked to speak to a manager one of them fought with me, another just transferred me to the collections department. I have spent hours on the phone with this company since the beginning of this process in late XXXX and have consistently be given inaccurate and inconsistent information from everyone I've spoken to. The only thing that they have been consistent on is the fact that I will owe them all the defferred payments, paid in full, upon completion of the forbearance period. I have reached out to HUD several times, since I have a FHA backed mortgage, and I have filed a complaint. I will be requesting action in writing by the lender, to provide specific guidance on my options at the end of my forbearance period and clear guidance on any action required on my part. Im requesting that you please provide any assistance or direction.
Consumer complaint received 2020-07-10
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. (AZ)

I have made several attempts with Equifax to accurately report my XXXX  XXXX. of XXXX XXXX. I am in the process of purchasing a home and it is of the utmost importance that my credit report is accurate. I have found it to be very difficult to get my account investigated and updated on my Equifax credit report. The latest attempts occurred on XX/XX/2020. I requested to have my balance and payment history updated as my account was showing a balance of {$4900.00}. The actual balance of my account as of XX/XX/2020 was {$0.00} when Equifax notified me the account was verified. I have included an attachment of my payment history which shows this account had a {$0.00} balance. 

I notified Equifax again via Certified Letter on XX/XX/2020 that my account is reporting inaccurate information and I wanted to give them a second opportunity to correct it before filing a complaint. On XX/XX/2020, the balance has been finally corrected. However, the account is still reporting the following information inaccurately : - Payment History - Last Payment Date - Date of Last Activity - Highest Balance - Shows Collection Account which is very inaccurate - Account Number It should not have taken this much effort to have my account updated. I ask that you please file a complaint against this company for their unfair practices. Inaccurate information could not only cause me to be denied for a mortgage, but could also result in a higher rate.
Consumer complaint received 2023-06-15
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: Bread Financial Holdings, Inc. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately
Consumer complaint received 2020-08-07
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. (TX)

XXXX  ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX - partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX, XXXX informing me of a debt collection attempt on a non-existent PayPal credit account. I wrote to the XXXX on XX/XX/XXXX informing them that I had been a victim of identify fraud and that I have never had a credit account with PayPal. On XX/XX/XXXX, I received another collection notice from the same company for a different PayPal account number with a different amount. I again wrote the company telling them that I have never had nor ever will have a " credit '' account with PayPal and that this is fraud. I also verified with PayPal that no such account number even exists and that this is clearly fraudulent and to cease and desist from contacting me. On XX/XX/XXXX, XXXX, I received yet another debt collection notice from XXXX with yet a third/different PayPal account number. Each letter states that if I do not write them back, then it is assumed that the debt is legitimate. They need to stop harassing me into taking my time and money to write and send certified letters telling them these are fraudulent accounts. They need to have better controls in place internally to verify that these are in fact even legitimate PayPal accounts, which they are not according to PayPal.
Consumer complaint received 2023-04-05
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. (MI)

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 Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

XX/XX/XXXX XXXX unauthorized XXXX payment of {$1000.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$1000.00} I called wells fargo XX/XX/XXXX immediately XXXX XXXX woke up and saw my account drained at XXXX to report fraudulent withdrawals. 
I again called wells fargo on XX/XX/XXXX at XXXX to check the status of my claim, and they told me their investigation could not prove that there was fraud, and that they would not refund my money. 
By not taking the appropriate action, or letting me appeal their " investigation '' they are complicit in theft.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENTAGON FEDERAL CREDIT UNION (NY)

As coronavirus destroyed XXXX XXXX  industry and people stopped taking XXXX, I lost my income on my XXXX  XXXX  XXXX, however PenFed credit union to whom I owe money for my taxi loan demands me to pay my XXXX loan as if no coronavirus happened in New York. I would like you to ask PenFed credit union to delay with forcing me to pay my taxi loan to credit union as it is now the worst pandemic in 100 years and the worst recession since the XXXX XXXX. At the time of XXXX  crisis in New York, I could not get any income on my XXXX  XXXX  as there are no riders in XXXX XXXX  XXXX because tourists refused to travel to New York, airports do not work and people who get to New York from 29-states are expected to be kept in 14-days quarantine before they are allowed to walk on the streets. In addition, as the XXXX shows are closed there are no people who take XXXX  for that shows. My XXXX  agent refused to pay my lease payment on my two XXXX  XXXX  and put them into XXXX  storage saying that there is no income to pay me a lease payment. At the same time the XXXX   does not enforce any regulations on XXXX  XXXX  industry and ignores what happened in XXXX  industry. Without any income from my XXXX  XXXX, I am unable to pay PenFed credit union on my XXXX  loan. As I ask my PenFed credit union manager, XXXX XXXX, to delay with payment on my XXXX  loan until taxi business come back with people taking XXXX XXXX   again, he refused to listen to me. By forcing me with my loan payment to PenFed, which I am unable to pay as I have no income, I will default on my XXXX loan to PenFed would seize my XXXX XXXX  and everything I have worked hard all my life. I would like to ask you to tell PenFed to wait until coronavirus vaccine will come to New York and people won't feel scared to take XXXX  XXXX  again.