davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (FL)

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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY (MD)

when I purchase this home at XXXX XXXX XXXX XXXX XXXX, Md. XXXX. 
After putting a contract and money down on the home. I was told and given a list of repairs to do to the home. after all the repairs were done. A for sale sign and start showing the house again after a contract. They put the sign back in the front yard. 
With a list of repairs. and pictures. 

After calling my agent and the financing officer, I was told not to worry. I will get all my money back XXXX XXXX said I am still waiting. It's never too late for money! 
I'm still waiting for my money.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

I have an Ulta brand XXXX through Comenity bank that I have had on almost 6 years. I have been a platinum Ulta rewards member since then meaning I spend at least $ 1200 yearly and I have never missed a payment on this credit card. I use my card actively. I have been unable to use the card for the past month and am unable to log into my account online. In addition, comenity bank reported my account closed to XXXX on XX/XX/2022 without notice or any reason.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

My credit report fico score has mysteriously dissapeared, all my accounts are active and used. So theres no way one second my scores just are gone and Im not getting approved for anything now. I have great credit scores that are mysteriously gone. I had a legal name change but that shouldnt affect it
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (FL)

On XXXX of XXXX, Dynamic Recovery Solutions reported a debt to my credit report for {$350.00} from XXXX  Hospital. I was never a patient aXXXX XXXX Hospital, nor have I ever stepped foot into XXXX Hospital, so I disputed the debt through XXXX as not my debt. XXXX came back and stated the debt collector stated it was mine through a bill, so they were not going to remove the debt. On XXXX I mailed a debt validation letter through certified mail ( XXXX tracking # XXXX ) to Dynamic Recovery Solutions and they received the certified letter on XXXX. After XXXX days of no response from Dynamic Recovery Solutions, I mailed a second debt validation letter through certified mail on XXXX ( XXXX tracking # XXXX ) and they received it on XXXX. Still with receiving no response from Dynamic Recovery Solutions, I contacted them via phone on XXXX. After speaking with a representative of their company, they advised me they did not have the documents to validate the debt and that they were waiting on the documents from XXXX Hospital. I asked them to remove the debt from my credit report because they did not validate the debt within XXXX days of the first letter I sent, which they stated they did receive and the representative stated they would not and theyre waiting on the documents from XXXX  Hospital . At this time they have no validation of me being at XXXX Hospital, they do not have any documents with my signature on them accepting or approving treatment, and they have nothing stating I agreed to pay any bill with XXXX Hospital. Any help will be greatly appreciated.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, there were unauthorized purchases made using my debit card in several locations, and the amount totaled to a little over {$1100.00}. I was alerted by Bank of America about a withdrawal that was declined, and then realized the unauthorized purchases. I reported this to Bank of America immediately after this alert, and have been waiting on their response. I also filed a police report. I've yet to receive any updates about this case.
Consumer complaint received 2022-07-02
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. (NJ)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-07-02
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-02
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. (TX)

In accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. Stated that 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 an account without my written instructions.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

XXXX unrecognized hard inquiries appear on my credit repot ( see attached ), from " JPMCB XXXX '' and " XXXX XXXX XXXX '', both on XXXX. I did not apply for any cards or loans in that timeframe. 

I was not able to reach anyone via phone to get more details at either JPMorgan or XXXX.
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MD)

On XX/XX/XXXX I visited the XXXX dealership in XXXX, Maryland. I worked with a car salesman and found a XXXX XXXX XXXX that I wanted to get. The down payment was {$1800.00} and I advised the dealer and loan officer that I would not have the money until the first week of XXXX. Although papers were signed at that time, an agreement was made to hold the vehicle for 7 to 10 days. It was stipulated that I had to call in every few days to express my continued interest. On XX/XX/XXXX I paid {$1800.00} and left the dealership with my new car. My monthly payments, I later found out, should have been adjusted to the 2nd of each month. However, since it was not, I received a call a few weeks ago advising me that I owed a payment for XX/XX/XXXX. In good faith, I made the payment. Simultaneously I asked my bank to send me my records and discovered that I was current not behind. Despite letting Credit Acceptance know the above, I have been receiving calls to the point of harassment. On XX/XX/XXXX they called my number 20 times. Today I contacted XXXX and spoke to XXXX in the Loan Office and explained what is going on. I then let Credit Acceptance know that he would be providing the documentation needed to confirm that I am current. The calls still continue. It is XXXX XXXX  and I already received two calls. I need Credit Acceptance to stop calling and harassing me please. Your help is deeply appreciated. Thank you. XXXX XXXX
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX check deposited {$3.00} XXXX XXXX dollars XXXX XXXX. 6.31.2022.check deposited XXXX XXXX XXXX  dollars. 15 usc 1666d treatment of credit balances. Consumers refund demanded
Consumer complaint received 2024-12-06
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: Fidelity National Information Services, Inc. (FNIS) (IL)

Chexsystems refuses to correct and or remove inaccurate information from my consumer report. They have an address listed for me in a city in which I have never resided in. Additionally, they are reporting erroneous information. They are reporting negative information on a account that was closed and satisfied. I was the potential victim and I am the one who is being punished, how is this protecting the consumers rights?
Consumer complaint received 2024-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (LA)

RE : Citibank Credit Availability Issue Citi AAdvantage XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$14000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Last payment made on XX/XX/XXXX and was withdrawn on XX/XX/XXXX {$12000.00} Timeline : XX/XX/XXXX : Discussion with Supervisor XXXX XX/XX/XXXX : Discussion with Representative XXXX Current Status : Citibank is withholding access to {$13000.00} in available credit despite payments being cleared by the originating bank. 

Impact : Card transactions are being declined Pre-authorized purchases can not be processed Unable to earn XXXX XXXX XXXX  miles and status benefits Annual fee of {$590.00} being charged while card benefits are inaccessible The credit restriction has been implemented without provided justification and persists after payment clearance. 

For excellent payment history with XXXX have another credit card to reference payment history with them.
Consumer complaint received 2022-07-02
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Comenity 's online systems have been down for somewhere around two weeks. This means there is no reliable way to make online payments on their credit cards. People trying to make payments via the phone system and other methods are reporting on XXXX the money not being credited or coming out of their checking account multiple times. And yet, with all of this going on ... while they are not providing access to a reliable payment method... they are making collections calls to people who have missed making their payment! This is absolutely outrageous and can not possibly be legal. And the phone rep acted like they were doing me a favor by waiving the late fee... what about the days of interest I'm racking up by not being able to pay off my balance?
Consumer complaint received 2021-11-15
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: Resurgent Capital Services L.P. (AL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2022-07-02
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX Bank - XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681, Section 602 A. states I have the right to privacy.

15.U.S.C. 1681. Section 604 A states a consumer reporting agency can not furnisha account without my written Instructions.

15. U.S.C.1692 C states without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (TX)

I've already filed a complaint regarding this issue which was closed prematurely. The complaint number is # XXXX. BBVA fraudulently reopened my account, in my opinion, in an attempt to get old customers to come back to revive their dying business. They acknowledged that they reopened a closed account, however, they have made no attempt to close the account. My XXXX report shows that the account is still open. BBVA USA needs to be investigated for shady practices.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

There is a bankruptcy reporting on my credit that is inaccurate. I submitted evidence on XX/XX/2022 showing they have no way of verifying that it belongs to me and asked for proof and they will not provide it. I have attached the evidence below
Consumer complaint received 2022-07-02
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

These medical bills were never submitted to my insurance. I opened a ticket with my insurance company, XXXX XXXX XXXX XXXX, and shared it with the collections company. I have told them numerous times that XXXX has no record of the charges and they need to be resubmitted. The collection company refuses to engage or do anything about it.
Consumer complaint received 2022-07-02
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account Number # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following account that you must remove is listed below : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$390.00}
Consumer complaint received 2022-07-02
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. (CA)

I filed a complaint with the CFPB on XX/XX/XXXX, about repeatedly writing to transunion fraudulent inquiries on my credit report. As of today all of those fraudulent inquiries have been removed except for three. XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX and XXXX XX/XX/XXXX. I spoke with transunion fraud department today about those three fraudulent inquiries left on my report and was told I did not include them in my complaint filed on XX/XX/XXXX,...... please see complaint
Consumer complaint received 2022-07-02
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. (TX)

Transunion : false reporting : you got XXXX XXXX is a closed account you are reporting it as open. you get As per Metro and E Oscar you get the same reports as the other credit companies you are stating open account false can not report that the account is re aged the account is closed and I request you remove the account as per CFRA guidelines enclosed is a copy that the account is closed
Consumer complaint received 2022-07-02
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. (TX)

In accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. Stated that 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 an account without my written instructions.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My email provider, " XXXX '' [ XXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.
Consumer complaint received 2022-04-06
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.