davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I entered into a XXXX related 12 month hardship program that included all of my credit cards with Comenity Bank ( all cc had to be incl and put on hold and could not be used ; this was a requirement by bank to enter their 12 month hardship program in XX/XX/XXXX ). All but one ( XXXX ) of my credit card accounts was removed from the program in error in XXXX, despite the bank requiring all credit card accounts be included. At no point did I ever ask to remove any credit card accounts or to be removed from the initial 12 month program. The bank continued to keep my XXXXXXXX XXXX  open and it continued on the program with automatic payments thru XX/XX/XXXX, which is when the program was scheduled to end. I made numerous calls to the bank regarding the other accounts that were removed in error and disputed the XXXX accounts that were closed with all three credit bureaus, but no resolution has been made to date. Regarding the cc that continued to be open until recently, the bank approved me to be on a new financial hardship program that I enrolled into in XX/XX/XXXX ( also for 12 months ). Again, this new program required automatic payments of {$40.00} per month that they scheduled that have been coming out of my bank acct consistently since entering the program. However, since entering the program in XX/XX/XXXX, I have been billed for the normal ( non-hardship ) amount incl interest and late fees every month and have made numerous attempts to resolve their billing errors and have not succeeded. I just recently learned that my acct is now closed ( after disputing my acct status, payment history, and fees billed in error numerous times with the bank and via each credit bureau )! I spoke to XXXX different representatives on XX/XX/XXXX, who all agreed and can see my cc was on a hardship plan, and they further agreed my account was closed in error ( just like my other XXXX accounts ). The XXXX agents I spoke to ( after being transferred several times ) could not help me because my acct has been closed, I was told the system status code does not allow them to fix my account. Despite making the agreed payments on time every month via autopay per the program terms, the bank has closed my account, they continue to report negative information that is WRONG to every credit bureau, and the necessary corrections have yet to be made, regardless of consistency withdrawing my timely monthly payments throughout the duration of another hardship program. My credit card balance, interest, and late fees are all wrong and my credit has taken a dramatic hit from the ongoing errors reported by Comenity Bank on all of my accounts with them!!!
Consumer complaint received 2022-06-06
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 XXXX  XXXX  account ending in # 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IA XXXX
Consumer complaint received 2022-08-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion regarding unauthorized inquiries on my credit report negatively affecting my profile. I also requested my address to be updated reflecting my current address only and deleting all addresses reporting that I am not associated with. As of XX/XX/XXXX I have yet to receive a response.
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NV)

Hi, I set up bill pay and my payment date was moved early due to the memorial day holiday. At that time I did not have enough funds in my account to pay my mortgage. My bank notified me of that and noted I needed to move funds into the account by XXXX. I moved funds by XXXX and reached out to the bank to confirm the payment was processed. They said no it was returned with NSF and I had overlooked that it was XXXX EST not PST. 

That is all fine. So know that it was returned with NSF. I set up another payment to process on the XX/XX/XXXXSo the XX/XX/XXXX comes around and Dovenmuehle retried and pulled the first payment I set up that was originally returned with NSF as well as processed the second payment. I did reach out to the company via chat because their phone tree is horrific and they said they could not accept my request via chat and I would need to request it via mail or email. So I requested the refund via email the same day the 2 payments were processed. I did follow up the next day to check on an ETA on the refund. They did not respond. So 3 days later I called and asked about an ETA and it would essentially take 8 days from when I requested the payment reversal to get the payment back. Since it is past when my bills are coming due it is no longer useful so I requested to cancel it on the phone and they said I needed to send an email for it to be accepted meanwhile my emails get no response. 

I am frustrated because I was depending on that money to pay other bills and now I am receiving multiple fees and interest due to them retrying a payment returned with NSF without any notification to me. If I would have known, ie they sent an email when they received NSF stating that they were going to retry my payment I could have avoided this whole situation. 

At this point waiting until the XXXX will not be of any help as the due date for my other bills will have already passed and I am expecting another source of funds to come in then.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Forever 21/Comenity Bank sent me an email bill that I missed because I wasn't expecting email statements so I was late on my payment. I am never late and have excellent credit. I called on XX/XX/2022 and spoke with a representative asking that the late fee ( {$29.00} ) be waived and she said it would be. I asked for my adjusted balance so I could pay it in full, and I did. Since I thought the card was paid off, I didn't notice that ONLY 1/2 of the late fee was waived ( {$15.00} ) and I still had a balance and it was accruing interest, unbeknownst to me. The fact that only 1/2 of the late fee was waived was not CLEARLY explained in the phone conversation. In a follow-up call to Comenity/Forever 21 , they would not rectify this issue for me saying I had already used my one-time exemption. I understand you can only do this once but they DID NOT MAKE CLEAR that is was not for the full amount. I feel like they are using deceptive practices to let me believe I received a full late fee credit/waiver. I was also put on long holds and had to restart the call 4 times to get nowhere. Plus this call center is not in the US and the phone service was horrible. Do not deal with this company.
Consumer complaint received 2022-08-14
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. (MO)

I sent a dispute regarding the date of when this collections was opened on my credit report. I disputed this several times over the last 3 years. My dispute were never investigated and I never received an explanation of why the date was changed. The account was not opened in XX/XX/2019. Which is incorrect information. I even reached out to the original creditor who didn't want to confirm the dates either. I also have not been able to get confirmation about the debt either. am at this point to seek legal action against the credit bureau and original creditor for negligence for not investigation my disputes.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CA)

I have tried to get inquiries removed from my XXXX report that I did not authorize for my credit report to be pulled by XXXX XXXX XXXX XXXX on XXXX, American Express on XXXX, XXXX XXXX was supposed to be a soft pull on XXXX, And on XXXX XXXX  XXXX did a hard inquiry when it should have been a soft one.
Consumer complaint received 2022-08-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-12-12
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)

XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-08-14
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. (IL)

To whom it may concern : I have received a copy of my XXXX credit report and I noticed some late payments posted on my credit report XXXX XXXX XXXX Loan Account number XXXX XXXX XXXX XXXX  Loan Account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer rights the law clearly states ( a ) In GENERAL Subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( I ) exclusions from a consumer credit report clearly states ( 2 ) Exclusions-except as provided in paragraph three the term consumer report does not include ( A ) subject to section 1681 of this title Any report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily deletion of the above referenced account and sent out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for 1. Defamation of character 2. Negligent embroiment of identity fraud 3. Fair debt collection practice ax 15 USC violations 4. Fair credit reporting act 15 USC 1681 violation for willing full noncompliance civil liability for willing for noncompliance 15 USC 1681
Consumer complaint received 2022-06-06
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: JPMORGAN CHASE & CO. (NC)

Payments for my leased XXXX were mailed, received and debited for 9 months at XXXX XXXX XXXX. I was notified to start making payments out to Chase Auto Finance in XXXX of 2021. In XXXX of 2021 Chase received my payment stamped the check for deposit and then cancelled the endorsement and returned the check. I subsequently made an payment over the phone direct from my checking account. I have since received letters from Chase apologizing for the error and removing the late fees. When I found out recently that there are two 30 day late payments on my credit report they did an internal review and decided that Chase did nothing wrong. I have a copy of the check they received, endorsed for deposit and then cancelled. I have spent numerous hours on the phone with these people without any acceptable answers.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (FL)

I had an account with XXXX  for a phone bill. I entered into a payment agreement with them and paid by automatic payment. In XX/XX/2022 they contacted me and told me if I paid then {$120.00} in XXXX and XXXX that the debt would be resolved. I paid them the money thinking that in XXXX the account would be paid off. In XXXX I got a phone call from Source Receivables Mgt. saying that I owed over {$300.00} for this same bill, that XXXX refused to settle and I needed to pay them. I have never received any written communication from Source Receivables Mgt, But on XX/XX/2022 I paid them {$50.00} and asked for something in writing. The lady told me all she could give me was a confirmation number, so I took that. So last week I went to send them another {$50.00} and that's when I found that they reported the account to the credit bureau, even though I was paying on this account.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ACRANET INC (MS)

I have experienced numerous unauthorized hard inquiries from lenders on my credit report. I suspect these inquiries are linked to a series of data breaches that I was involved in, including breaches from XXXX and other businesses. Additionally, my credit monitoring services frequently notify me that my personal information, such as my accounts, may have been compromised and is appearing on the dark web. I believe this exposure has resulted in the unauthorized use of my information.
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OK)

I got an auto loan from GM Financial, began paying in XX/XX/XXXX. SKY high interest rate of 14.27 %. First lie : GM said after one year they'd renegotiate to a lower rate. That was a BOLD FACED lie! They switched gears and claimed " oh we don't do that ''. Then I paid payments and over time I realized they were NOT applying the payments correctly. I asked for an exact accounting of principal vs. interest, GM Financial refused to provide that. I have, over time, due to health issues with my wife, a XXXX XXXX survivor and now complicated XXXX/XXXX had several extensions. Each time I was charged fees, but you can not find anywhere where the fees are applied. I asked, GM Financial refused to respond. Then GM Financial agreed to a two month extension, said paperwork was on the way, but reversed course and did nothing. I have asked about lowering the interest rate as promised, they refused. I have paid, before the XX/XX/XXXX payment, XXXX towards the original loan of XXXX. Of that according to the paperwork XXXX was/is interest, BUT they have charged me XXXX interest. I have been CHEATED out of XXXX. When I asked about this they claimed they could not answer that. GM Financial is running a dishonest operation that scams customers.They stonewall, refuse to show payment breakdowns of payments, refuse to lower interest rates, refuse to give you any explanation of questions. They have fuzzy accounting that is worse than loan sharks.
Consumer complaint received 2022-08-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything XXXX saidvIbhad to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED XXXX XXXXXXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind XXXX XXXX XXXX of the laws and protections for American citizens like myself. Im not going to pay two debts that ARE NOT MINE. 

Maybe XXXX XXXX XXXX dont understand rules? 


ACCOUNTS IN QUESTION ARE 2 COLLECTION accounts Owned by XXXX bought from XXXX one is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filled out a police report and also an FTC report for my credit profile. Someone stole my wallets and was able to obtain credit cards, and also bank accounts in my name. Everything has been compromised Ive noticed on credit profile for fraudulent accounts that are reporting. I need to take them off. 

XXXXXXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-06
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-06
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. (CA)

In accordance with the Fair Credit Reporting act 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 2022-08-14
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. (FL)

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of conviction of crimes which antedates the reports by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse