davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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)

n accordance with the Fair Credit Reporting act XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX account was settled a couple of months ago. Transunion, XXXX and XXXX are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.
Consumer complaint received 2022-06-28
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. (DE)

I have disputed this account several times it has been paid and was never late. It shows a {$0.00} balance but is still derogatory. This account has been removed but it keeps getting added back to my report
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have disputed this account several times it has been paid and was never late. It shows a {$0.00} balance but is still derogatory. This account has been removed but it keeps getting added back to my report
Consumer complaint received 2020-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (TX)

I stayed at XXXX XXXX in XXXX XXXX with my wife Mid spring 2015. 

Without any notices in the mail, phone calls or any efforts to settle this. I noticed a bill on my credit report in collections 6 months later for a {$400.00} debt to XXXX XXXX. 

Not knowing what this {$400.00} was for i tried to reach out and they said it was for some phone bill. 

My wife and I both have cell phones and don't understand why we were charged {$400.00}. 

We paid for all our rooms at the property advance and did not use ANY minibars, hotel room service or amenities. 

I tried contacting them and they just tell me I owe {$400.00} and there is nothing i can do about it. 

I have amazing credit and this is the ONLY collection on my credit report and by far the most unprofessional organization i have EVER dealt with. 

To make matters even worse, they some transferred the debt to my FATHER who's name is XXXX XXXX XXXX and has NEVER in his entire life been to XXXX XXXX. It is not fair to me or my father to have this negative remark on our Credit Reports. 

We have both tried disputing the charge on XXXX, but years later im asking CFPB for help to resolve this.
Consumer complaint received 2022-06-28
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. (OK)

This is a general complaint at this point. Comenity systems have been down for a week for a " scheduled maintenance '' that is " taking longer than usual '' according to all of their social media channels. Customers can no longer use any Comenity cards for purchases, access online services, contact customer service via telephone, contact customer service via social media, or make payments. Even scheduled auto-payments are not processing and individuals are being assessed interest and late fees and some are receiving derogatories on their credit reports. I possess more than XXXX Comenity card. I have an auto-payment that will trigger for my XXXX XXXX XXXX XX/XX/22 that will not process according to comments from other customers on XXXX and XXXX and I will be assessed both interest and late fees because of Comenity 's negligence. I also have a credit card reward that has now mysteriously disappeared during the " update. '' This needs to be investigated. A system update never takes this long and all of their various customer service phone lines are closed, eliminating person-to-person assistance. Have they been breached? Why are phone lines closed? Why are they refusing to provide an estimated date of completion? Why is all online account access blocked? Why are auto-payments not processing and yet accounts are being assessed fees and credit bureaus being contacted? Why can customers not use any of their credit cards?
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LAKEVIEW LOAN SERVICING, LLC (MN)

I received a letter and related information about protecting myself against identity theft from a " Lakeview Loan Servicing , LLC '' on about XX/XX/XXXX. Lakeview claimed that it " currently or previously owned the servicing rights to a mortgage loan '' I have or had whereby it " used a third party to provide servicing. '' Lakeview informed that sometime between XX/XX/XXXX and XX/XX/XXXX an " unauthorized person '' had obtained access to its files on file storage servers and may have obtained my name, Social Security number and possibly drivers license, financial account information and/or other information provided in connection with a loan application or loan servicing. 

Lakeview asserted that it had engaged " XXXX, a third party with monitoring expertise, to provide identity monitoring services at no cost '' to me for one year with services including " Credit Monitoring , Fraud Consultation and Identity Theft Restoration. '' It provided an internet address for " krollmonitoring.com ''. 
The only servicer I have and have had since refinancing my mortgage in XXXX is XXXX XXXX, XXXX. with which I communicate only through the US mail. XXXX is not even mentioned and I've never heard from XXXX about this breach of data or threat to theft of my identity. I think this is a " phishing scam '' which should be stopped and shut down.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America opened an account online ( savings and checking ) in my name, with no identity documents and no deposit. It was not me- it was fraud. I tried calling twice in XXXX, held 40 minutes and 1 hour respectively. I then made an appointment with the branch at XXXX XXXX in XXXX XXXX, MO. I was there for 50 minutes and no resolution, but I did find out they opened it without identity documents and without a deposit. I only found out about the account when I received a statement in the mail because the accounts were drawn negative by a fee. Somehow they had my address, SSN, and DOB to open the account. They didn't have my current employment nor work number. 

The account representative at the branch stayed on hold with the fraud department the entire 50 minutes I was in the office, to no avail. I left with a number to call the fraud department and called a third time, held 65 minutes and finally spoke to someone that said they would reverse the account fee that drew the account negative and close the account. She would be sending out a fraud packet. This would seem it was taken care of ; however, the fraud packet I received in the mail asked me to send in a copy of my driver 's license, a copy of my social security card, a copy of my social security statement, a police report, etc. Pardon me, but HOW IS IT ACCEPTABLE to request the aforementioned personal identity documents through the mail, and WHY WOULD I TRUST them with such documents after what they did - opening an account with no proof of identity and no deposit? I didn't think it was legal for them to ask for the social security information.
Consumer complaint received 2021-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FCRA. I currently have federal charges against the debt collector. 

Please see attached exhibit.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX I received my checking account statement from BMO Harris Bank and noticed my account had a XXXX balance and that BMO Harris had assessed a " Service Charge '' of {$1.00} and upon reviewing previous statements discovered that they had recently assessed maintenance fees depleting the account of its nominal balance. I called BMO Harris on XX/XX/XXXX and the first person I spoke with said they had changed the terms of my account and that now I would be assessed a service fee but if I chose a different kind of checking account she would credit all of the service fees back to that account. When she tried doing this, she discovered that BMO Harris had unilaterally closed the above referenced checking account and  that because it was closed she could not credit back the money BMO had wrongly taken from my account ( despite her willingness to do so but for the account being closed ). She then transferred me to " XXXX '' who told me that there was no way to get my money back. When I asked him for the names and addresses of BMO Harris ' regulators he said that he did not have that information to give out. He also said that there was no one for me to talk to about getting my money back. The first representative did tell me that my XX/XX/XXXX bank statement disclosed that BMO would start charging fees ; however, in describing the new checking account she was going to try to get me in, she said the new account did not have " hidden fees '' or " hidden terms '', thus acknowleding that BMO Harris did in fact hide the fees that they were going to start assessing the account they subsequently closed after they drained the money out of it.
Consumer complaint received 2021-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FCRA. I currently have federal charges against the debt collector. 

Please see attached exhibit.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MA)

I have several credit cards through Comenity. I've been trying to make a payment on my XXXX XXXX XXXX XXXX XXXX  card but the site is not working ( more than 36 hours later ) and you can't speak with customer service online or via phone. I'm very worried about my personal banking information being compromised as well as being assessed late fees on this particular payment and others due this week. I have banking info stored with Comenity to make my payments and am really REALLY worried they've been hacked. They've repeatedly said they haven't been hacked ( on XXXX ) and that it's just a system update taking longer than expected ( others have said it's been like this for at least a week ).
Consumer complaint received 2021-08-04
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)

Dear XXXX and Transunion, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXX XXXX. I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. 

I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX and Equifax are reporting inaccurate addresses to my credit file. Ive send them my current California ID and also a recent utility bill with me name and current address to verify and validate my identity. I sent the letters and information through USPS priority mail with multiple attempts. Nothing has happened nor have I got a response. Only when I called in and they said they cant delete them.
Consumer complaint received 2021-05-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have reached out to XXXX, XXXX and Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit report.
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. (NJ)

On XX/XX/XXXX and XX/XX/XXXX I attempted multiple times to get my correct current balance and pay my XXXX credit card online. The website said there was a " glitch '' and try again later. I tried to reset my password but that did not function. I called Comenity Bank, the number on the back of my credit card on both XX/XX/XXXX and XX/XX/XXXX and both days received a message that the bank was doing a planned update that was taking longer than expected and to call later, then it ended the call. 
My credit card is due today but the balance I have does not reflect hundreds of dollars in credits for returned merchandise. I do not want to overpay but I can't access my balance, or anyone to tell me the current balance. I should not have to pay interest and penalties when I have attempted to pay online and by phone for 2 days. 
I was unable to reach a live person at Comenity by phone. Although I tried for two days, their recorded message instructed me to try at a later time and then hung up.
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc. (FL)

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against ONLINE INFORMATION SERVICES for committing identity theft. I have never given ONLINE INFORMATION SERVICES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ONLINE INFORMATION SERVICES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ONLINE INFORMATION SERVICES continues its collection efforts, I will file for litigation for actual damages caused and ONLINE INFORMATION SERVICES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.
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 status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I contacted Portfolio Recovery Associates , LLC. Around XX/XX/2022, to request verification of my debt to them. I demanded that they produce my original contract containing my signature, which was not done within 30 days of my request. 

Additionally, the agent opened a dispute on XX/XX/2022, which should have triggered the removal of said items within 5 business days until the investigation was complete. That never happened. The questioned items are still on my consumer report and have remained since then. 

Since XX/XX/2022, the company has only sent a billing statement from XXXXXXXX XXXX XXXX which does not verify any debt. There have been XXXX attempts to furnish my original contract, nor any efforts to make an investigation/ rectify this matter in a timely or fair fashion.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

I tried to access and overlook my new checking account online this morning, XX/XX/2022, but was only granted access to my long time existing credit card. 
I reached out to CitiBank customer service, and was referred to call the fraud department ( XXXX XXXX XXXX, opt. XXXX ). 
I provided a representative with my debit card #, SSN, name, address, security word and other personal info to verify my identity. I was told I could not be authenticated through a text message code verification, so no information or action would be taken to oversee the status of my account. I provided the associate with my phone #, and they insisted I use someone elses phone number, perhaps a brother or a sisters phone number, the representative told me. 
When I questioned how that could possibly identify me as an account signer, I was told to go to the branch, and the representative discontinued the phone call. 
I tried to contact the department 2 more times.

The first time the representative just kept saying hello, and seemed to just push number keys on the telephone. 
On the third call, I was told again that unless they could send a code to the phone number which I was calling from, they could not access my account. 
I asked to escalate the situation with a supervisor, and both the first and third representatives informed me no supervisor was available. I asked for the representatives name and they quickly disconnected the phone call.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, I am writing to delete the following information in my file : XXXX ( Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-28
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. (VA)

Comenity BJs Club MasterCard has been down for " Scheduled Maintenance '' for over a week now. 
You can not log into their website They are not being honest You can not call them If you contact them on Social Media they are giving canned responses.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (GA)

I am unable to access my account in any way to either make a payment, check the balance, or check for fraudulent activity. On XX/XX/22, I attempted to log into my account to make my monthly payment, as I do each month. However, the website would not allow me to log in, and has a notification that it is down for maintenance, and to try again. Same result following day and each day since. On XX/XX/22 ( and every day since ), I attempted to contact customer service with the phone number on back of my account, but similar response with a recording that states customer is service is down for maintenance, try again later.