davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX of 2022 somebody applied for a forever 21 credit card and spent over {$800.00} on mobile order. The person also attempted to open a credit card with Victoria 's secret and XXXX. I contacted Comenity Capital Bank in regards to the fraudulent charge. They have denied application for XXXX in Victoria 's secret and will start an investigation for the forever 21 credit card charges. The company informed the investigation usually takes 90 days and the decision is mailed out. 
The last time I have used my SSN was with XXXX company who does financing for solar panels. I believe the problem might have originated when I submitted my application through XXXX. 
I have froze my account with XXXX XXXX and XXXX. I will also contact the bureaus for identity theft and contact the social security XXXX.
Consumer complaint received 2021-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC (NC)

Recently, I disputed an account on my credit reports that is being reported by Montery Financial. The results of the dispute came back as 'verified and accurate '. Thus, I am requesting that Montery Financial provide me with the documents used to validate this debt, given that, I have no knowledge of this debt nor have I made any agreements with Montery Financial. Thus, Montery needs to send me a copy of the original contract ( bearing my signature ) and full accounting for the amount owed, using generally accepted accounting principles.
Consumer complaint received 2022-09-07
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-04-11
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). TransUnion assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated. 

TransUnion did not exercise its grave responsibility, you were unfair, and you were partial. 

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed TransUnion to furnish this report and I never consented to the report.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 i received a credit card from Capital One Inc. Each month i made ACH payments. On XX/XX/XXXX, I scheduled a payment from my bank XXXX XXXX XXXX XXXX during so an error had happen where the payment was rejected and reentered several times through Capitol One application. I called and spoke to a representative and was informed let the process take its course and it will be adjusted. On XX/XX/XXXX i had a schedule delivery for a XXXX XXXX XXXX credit card also through Capitol One when i went to the app to activate said card it wasn't allowed. I then proceeded to call and spoke with an fraud specialist at that time the account was closed without any explanation. i was then transferred to another tier specialist. I was informed that the accounts were both closed due to fraud and there wasn't anything I can do or even an explanation. I asked about payments and balances and were informed I wouldn't have to pay anything because of fraud. I later seen my credit report and immediately lost XXXX points and received a three month late payment. I disputed and called to have been told there's nothing I can do.
Consumer complaint received 2022-06-27
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. (FL)

Those Accounts arent mine, I never Authorized those Accounts to be opened. XXXX XXXXXXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) -XXXX XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XX/XX/XXXX )
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-23
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)

In accordance with the fair credit reporting act, EXPERIAN, XXXX, XXXX has VIOLATED my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I HAVE the right to privacy Theses addresses and Names DO NOT belong on my credit report 1. XXXX XXXX XXXX XXXX XXXX KS XXXX 2. XXXX XXXX XXXX XXXX XXXX, KS XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX. XXXX 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. (CT)

Comenity bank has been down for days. I e tried submitting my payment all day today ( due date for 3 separate cards : Victorias Secret, Express and XXXX ( All Rewards ) and I cant log into any of the accounts. ) Phone calls are being hung up as well I do not think I should incur a late fee for their lack of planning
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TN)

I applied for a store Card. Was denied based on a Credit freeze on. The company listed for the credit freeze was " XXXX / XXXX XXXX XXXX XXXX XXXX ''. Upon calling them they didn't have a credit freeze on me. They don't do credit freezes. They looked up the information in their system on me and reported that there was nothing that would cause a creditor to deny me credit. They also had no record of Comenity bank making a credit check. I had unfroze my Credit reports with the three credit bureaus- XXXX, XXXX, & XXXX. Records show that the bank had in fact made a credit inquiry with XXXX on XX/XX/2022. I'm not sure why they fabricated this story about XXXX when obviously my credit was checked with XXXX on XX/XX/XXXX.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In ccordance with the Fair Credit Reporting act.. XXXX AccountXXXX XXXX BANKRUPTCY # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 repoeting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

I closed on a One Time Close Conventional Construction Loan with Cardinal Financial on XXXX/XXXX/2022. 

Paid {$4000.00} for initial escrow payment at closing which was the estimated county property taxes for 9 months. 

Also paid {$1000.00} for 12 month home owner insurance policy which doesn't even go into effect until construction is complete. I had already paid for the first 12 month policy out of pocket to cover during construction. 

Since it is a construction loan, the only type of payment that is supposed to be due are interest only payments. 

My first statement showed that I owed a payment of {$1100.00} on XXXX/XXXX/2022. That included interest of {$500.00} ( all I was supposed to be paying ), as well as {$670.00} for escrow ( for taxes and PMI - neither of which are supposed to be paid during construction ). 

In addition, the statement showed that {$4000.00} was applied to my account on XXXX/XXXX/2022. However, it was then reversed as a misapplication on XX/XX/2022 and removed from my account. 

I've been emailing with servicing ( probably 10-15 exchanges ) as well as speaking with customer service agents ( probably 5-6 different calls ) since XX/XX/2022 trying to get all of this resolved. Nothing has been resolved as of yet. I received a letter dated XX/XX/2022 saying that they are approving my request to remove taxes from my escrow, which I never requested. I was also told today that they have closed my escrow account and that it will not be opened until construction is finished. However, no one can tell me where any of the money above is being held. 

Even though I'm not supposed to be paying into escrow monthly during construction for taxes, HOI or PMI, my understanding is that an escrow account should still be established and the money I prepaid at closing ( {$4000.00} for taxes and {$1000.00} for HOI ) should be held in that account until it transitions to a mortgage. 

In addition, there are taxes due on the land at the end of 2022, that I'm now being told I need to pay out of pocket because there is no escrow account, despite the fact I paid over $ 4k for escrow specifically for taxes at closing. 

All of this is in addition to the horrible experience during the initial borrowing process, in which I was being advised by someone who was not even a loan officer ( although he held himself out as such ), which I did not find out until roughly a month and a half prior to closing. That person lost their job and the company had pay a ton of concessions to attempt to make up for all the mistakes that had been made.
Consumer complaint received 2022-04-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I contacted the XXXX XXXX XXXX, XXXX on XXXX to dispute the bill on my medical report because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX  service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 


I contacted XXXXXXXX XXXX XXXXXXXX by phone ( XXXX ) XXXX with the and notified them I was making a formal complaint because I contacted them on XXXX to dispute the bill on my medical report because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 

I contacted Wakefield and Associates, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX  service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 


Wakefield and Associates, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For over a year I have been trying to get these fraudulent identity theft accounts off my credit report. I have sent XXXX, transunion and XXXX all my etc report and dispute for these fraudulent accounts. most recently on XX/XX/XXXX I have mailed my ftc and dispute to XXXX, transunion and XXXX and they almost 90 days later there still on my report. when they must remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking the laws and causing me major distress to my life. the accounts that are with id theft need to be removed below. 
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 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 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 permission
Consumer complaint received 2022-05-13
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. (CA)

In accordance with Fair Credit Reporting act XXXX  accounts 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 and XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-23
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. (OH)

In accordance with the Fair Credit Reporting act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX. XXXX XXXX XXXX XXXX  XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXXXXXX XXXX XXXX Ohio XXXX, XXXX XXXXXXXX XXXX. Phone number XXXX
Consumer complaint received 2022-04-23
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. (PA)

The addresses listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The names listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX