davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

On XXXX I submitted documentation in the form of Affidavit of Truth, Cease & Desist along with an invoice citing numerous violations under FDCPA pursuant to 15 USC 1692g ( b ) amongst other consumer law violations by Comenity/Victoria 's Secret as they are reporting information on my consumer files. In return I received a notice back from Comenity/Victoria 's Secret around XX/XX/2021 in in the mail. On the notice it appears the credit card account ending number isn't even the same as what was on the other documents received. Comenity/Victoria 's Secret advised that they sold this alleged debt to collection agency ( XXXX XXXX XXXX XXXX XXXX After reaching back out to XXXX XXXX XXXX and providing documentation on how my Consumer rights were violated and receiving a notice in the mail from them advising that somehow after reviewing their records as again as they stated had already did initially when I sent them a validation request and it wasn't provided. They ( XXXX XXXX XXXX ) sent a notice in the mail around XX/XX/2021 stating the current balance is {$0.00}, the account was closed and collections have ceased. XXXX XXXX XXXX also advised that they are not the ones furnishing the account information on my Consumer files.
Consumer complaint received 2022-05-26
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED, IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (OK)

Under the Fair Credit Reporting Act, it is crucial that consumer reporting agencies uphold fairness, impartiality, and respect for the consumer 's privacy. Equifax, XXXX and XXXX are three such agencies, but as the consumer, I have the right to ensure that my private information is not shared. This right is supported by legislation that emphasizes financial institutions ' obligation to protect their customers ' nonpublic personal information.

As a financial institution, the furnisher of information to credit agencies is obliged to respect my privacy and can not divulge any nonpublic personal information without my written consent. Equifax, XXXX, and XXXX, the furnisher of information to credit agencies do not have my consent to share my information, and any prior consent is now revoked. 

Furthermore, according to the legislation, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise their nondisclosure option. The furnisher of information to credit agencies did not inform me of my right to refuse disclosure. 

The consumer reporting agencies, Equifax, XXXX and XXXX, are also violating the law by reporting adverse information without consent, as well as inaccurate information. They should have reasonable procedures in place to prevent such violations and limit the purposeful sharing of consumer reports. 

Therefore, in compliance with 12 CFR 1016.7, I am opting out of their reporting services.
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2019 XXXX XXXX advertised the sell of a 3-day pass to the XXXX event page for the XXXX XXXX XXXX XXXX in XXXX, GA under the fake account name of XXXX XXXX. I contacted him over XXXX XXXX to purchase the tickets and he offered me the 3-day pass for {XXXX} and gave me his PayPal account information ( XXXX XXXX, XXXX ) to transfer the money and asked to send the transaction as " Family and Friends ''. I sent him the {$80.00} through PayPal and he told me that he would send me the tickets to my email ( XXXX ). After 30 minutes of not receiving the tickets, I messaged him again and he again assured me that the email was still processing since he had to change the ticket holder information before he could transfer them to me. After 45 minutes of asking him for the tickets, he blocked my XXXX account so I could no longer contact him nor see his information. I immediately called PayPal and issued a dispute for the transaction, but on XX/XX/2019 the dispute was denied by PayPal. I never received the tickets and a total of {$82.00} was withdrawn from my account. 
I would like to dispute PayPal 's review of the transaction as I immediately contacted them and issued the dispute for the scam.
Consumer complaint received 2024-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (FL)

Good day. I recently found out that I would need to have flood insurance. A few days prior to hurricane Helene on XXXX ; I reviewed my mortgage statement online and noticed an increase in payments that would apply to my next statement ; I pay my mortgage directly from my account biweekly. I called my lender to ask about the increase and they told me it was due to not having flood insurance. I explained that I was not required to have flood insurance and they stated that this is a new requirement ; I was rezoned and now fall under " special flood insurance ''. I told them that I was unaware and that I did not receive any communication in regards to this ; they claimed they had sent it out to me via mail. I checked my email, texts, bank account and mail and the communication was not there. I asked them to send me a copy of the communication and they have yet to do this ; In short I acquired my own flood insurance that is {$500.00} annual but they acquired there own flood insurance and have subsequently added XXXX XXXX monthly to my mortgage which is burdensome and unnecessary since I purchased 1 year of flood insurance ; I had spoken to an agent of Wellfargo and they had told me that as soon as I purchased my own they would remove their policy and I may have a gap between insurance that would need to be covered ; I have had no flood damages or made no claims for flood damage ; I immediately got insurance and provided this to my agent and the mortgage company ; albeit I had to wait a few days until hurricane Helene had passed for the underwriter to approve the insurance ; the gap that is owed from the time they placed it till I acquired my own I am willing to negotiate. They told me that for the life of the loan they will escrow additional fees for the flood insurance ; Their flood insurance is {$7200.00} if the math is done ; while mine is {$500.00} annual ; This is clearly an enormous burden to me. It has now been 11 days that I reached out to wellsfargo and the statement that they sent to my account is blank. I called today XXXX and the agent is unavailable ; they have already collected {$300.00} as a part of an escrow ; I have not escrowed in years due to how expensive it is ; This is a tremendous burden to me ; Your assistance would be appreciated and any resources that can be provided for me to correct this miscarriage of justice
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you 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 2022-07-14
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2024-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

CITIBANK OLD ACCOUNT # XXXX NEW COMPLAINT # XXXX This is my third complaint regarding an unresolved issue. I was notified that my account would be closed on XXXX, and all subsequent correspondence has stated that the process would take 30-60 days to complete.

It is now past the 60-day mark, and I have yet to receive the funds from my closed savings/checking account. I spoke with XXXX in the Executive Response Unit, who informed me that they need to verify the last check deposited before releasing my funds.

I already provided the employer 's name and contact number for verification but have not received any updates. I am resubmitting this information as part of my complaint and reiterating that this verification should have been completed within the promised 30-60 days. It is unacceptable to extend this process beyond the stated timeframe outlined in your terms and conditions. 

The payroll check in question was valid, and I am still employed by that company. Verifying this check and releasing my funds should not take this long. I request a clear update on the status of this matter by the end of this week. 

Employer Information XXXX XXXX XXXX XXXX : XXXX XXXX Contact Number : XXXX
Consumer complaint received 2021-05-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have take XXXX credit card and due to not receiving the monthly payments letter and no email notifications I have 60 days late payment negative report on my credit report. This caused issue on my credit file and being a negative remark on my Lenders on my mortgage application XXXX XXXX card type Amount : {$150.00} Late payments : XX/XX/21 and XX/XX/21 Request : To see if this report can be disputed and see if negative marks can be removed from my reports.
Consumer complaint received 2021-03-30
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: BBVA FINANCIAL CORPORATION (TX)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington, DC XXXX Dear CFPB Team, This is to submit a complaint against BBVA because they have negatively affected my credit score. Prior to XX/XX/XXXX, I had an Excellent credit history and never missed a payment. In XXXX, I submitted two disputes. XXXX  advised that as of the latest update dated XX/XX/XXXX, BBVA has still not removed the late payment statement from my file and they continue to provide the same response. 

BACKGROUND : BBVA offered a balance transfer offer on XX/XX/XXXX, a few days before the COVID-19 pandemic hit. I accepted the offer and the agent informed that BBVA would set up the credit card on the online banking tool to reflect payment amounts and payment due dates. BBVA never set up the information until I called on XX/XX/XXXX to inquire about the account. I was not able to see the paper statements because, when the pandemic hit, I was traveling internationally, and flights were cancelled for a few months. On XX/XX/XXXX, I learned about two missed payments and I paid immediately. BBVA sent me a letter on that same date stating that if I made a payment, they would not report me to the credit reporting agencies. Unfortunately, they did not keep their word, even though I made my payment on that date and reported me to the CRAs. In addition, they revoked the credit card and put it on INACTIVE status. 

A month later, on XX/XX/XXXX, I received a letter from BBVA stating that they could not reissue my credit card because XXXX  had provided them with the following information below. I contacted XXXX  and they informed that this information was INNACURATE and they would contact BBVA immediately to solve this issue. 

1 ) " UNSATISFACTORY CREDIT HISTORY 2 ) " SERIOUS DELINQUENCY '' 3 ) " PROPORTION OF BALANCES TO CREDIT LIMITS ON REVOLVING ACCTS TOO HIGH ''.

4 ) " TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED I have tried to resolve this issue with BBVA, on the phone, via letters and they have not been receptive to my request to remove the " late payment statement '' which was caused because they did not set up the account online. I called them today and neither the Collections Department nor the Customer Service department could help me. I told them that I would need to take legal action and report them to the the FCRA.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (MN)

Stimulus Card Issue : XXXX - Money Network Financial , LLC I was informed a card for the stimulus payment was mailed to me in XX/XX/2021. I have never received a card. This is the second payment - {$600.00}. 

I received a letter from : XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX, XXXX, NE XXXX because I have not activated my card!!! 

I have attempted ten ( 10 ) times to contact them at the number provided : XXXX. 

Regardless of the phone prompts used, it always ends with their automatic reply to hang up. Several times I have advanced after providing the last six ( 6 ) digits of my social security number and my zip code. A recorded message responds with a phrase that states a replacement card will be provided please allow 7 - 10 days for mail processing. and shipping time, and then it hangs up. This has gone on for 45 days. 

I have used up all available options except my elected representatives in Washington. 

COMPLETELY UNRESPONSIVE AND I WANT THIS RESOLVED ASAP
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (AZ)

Company called Sequium Asset Solutions keeps calling several times a day on multiple phones I have with different phone numbers each time. They are aggressive with phone calls and harassing each time with different numbers every time they call. Today, XX/XX/2022 I received 6 calls from them. 3 one one phone and 3 on another number. Here are the numbers. 
XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-12-29
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)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX  XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX  ) XXXX Balance {$950.00} XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  Inquired on XX/XX/2021 ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX