davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (IL)

I received XXXX response once again not addressing any of my concerns and never giving me any proof of the information I am requesting and entitled to by law! 

THIS IS NOT A DISPUT I'M AWARE XXXX  IS NO LONGER THE CREDITOR My account charged off due to nonpayment on XX/XX/XXXX.XXXX  sold my account to XXXX XXXX XXXX on XX/XX/XXXX. XXXX also responded to the disputes I filed with a letters dated XX/XX/XXXX, and XX/XX/XXXX. 
In every single letter I wrote I never disputed the fact XXXX was reporting innaccurate account status or sold/transfer status or ownership. The account charged off and sold was never been a dispute or the validity of such information. 

I have asked XXXX 10+ times what INFORMATION did XXXX use or steps taking by XXXX  to bring my account current from XX/XX/XXXX when I consumer closed the account without payment on that day never making any payment or arrangments on account since XX/XX/XXXX ( {$43.00} ) how then is XXXX reporting payments being made on a account when there was no payments actually being made the balance never decreased after XXXX reported these on time payments. Even after the account was charged off and sold XXXX report 15 additional payments made on account after sold at one time XXXX cerified the information they was reporting was accurate but XXXX was reporting my charged off account as a REPO I had to dispute that among other things XXXX was reporting inaccurate that in fact was not! 

So my question to XXXX I how did my account become current from XX/XX/XXXX when I consumer CLOSED WITHOUT PAYMENT, ALL THE WAY TILL XX/XX/XXXX WHEN ACCOUNT WAS FINALLY CHARGED OFF FOR NO PAYMENT? HOW!!! what method was used and documentation used for XXXX to make these changes to my account? 

I'M AWARE For any additional questions about ownership of my account, please contact XXXX XXXX XXXX at XXXX. 


AGAIN I AM NOT DISPUTING ACCOUNT STATUS ( CHARGED OFF ) OR THE ACCOUNT BEING SOLD ( XXXX  ) THAT IS FACTS I'M REQUESTING INFORMATION THAT XXXX USED INTERNALLY TO MAKE THESE CHANGES TO MY ACCOUNT
Consumer complaint received 2022-08-25
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. (MN)

In accordance with the Fair Credit Reporting AcXXXX XXXX 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.2 ) also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried disputing this unverified bankruptcy on my credit report for almost two years. XXXX and XXXX got rid of it. They dont have proof of me filing one nor I have lived near the area they say I filed bankruptcy at. I even wrote the alleged court and sent the letter about them not giving information to third parties and they have not deleted this unverified bankruptcy yet. I even screenshotted my other profiles to show proof and they havent deleted this yet. This is hindering me from obtaining near credit and they are violating my fcra rights, and they said they are not reinvestigating this manner.
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have written XXXX on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have written XXXX on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.
Consumer complaint received 2022-08-25
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. (MD)

n accordance with the Fair Credit Reporting act XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX  XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXX & XXXX Account number XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Hi, I am writing in reference to the 2 reservations made with XXXX for a stay at the XXXX XXXX XXXX in XXXX. Due to an emergency and delayed travel we were unable to make our reservation on XX/XX/2022. However, after contacting XXXX we were told that our confirmations has been canceled and we had been charged for one night and taxes and the remainder of the money was refunded to XXXX. The XXXX confirmations were XXXX and XXXX. I received emails from XXXX stating the above facts which I sent to the credit card company ( Citibank ). Unfortunately, Citibank illegally sided with XXXX and gave them a charge back based on false information given by XXXX. I provided the information to XXXX as well and they fraudulent claim that they never received the money from Citibank which is not true since Citibank provided specific documents that the money was returned. I think both Citibank and XXXX need to be charged with fraudulent behavior since they lied about the resolution of the dispute and continuously lied to us about the resolution. We need to be refunded by these companies for lying and making us spend more than 6 months to resolve this issue. 

Thank you Sent from my XXXX
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

Due to unexpected expenses, attempting to manage a tax bill that was beyond my means, I began to miss payments on my credit cards in XXXX. In this case, my MACYS credit card, I missed XXXX, XXXX and XXXX payments. This caused ensuing fees as well as a rising minimum balance. I informed the bank of my inability to pay and the reasons during this time. I did not avail myself of the ability to close the account. I wanted to make the payments and restore my credit. I started paying in XXXX. XXXX paid XXXX. XXXX paid XXXX. XXXX scheduled to pay {$150.00}. Because of the current COVID crisis I could not pay on my due date which was XX/XX/XXXX. I asked if I could have eleven days extension and maybe waive late fees. And pay by the XXXX. They said there was no extensions, no waiving of fees. I would just have to miss payment deadline with all the resulting consequences. I scheduled the payment anyway. In the interim my account was closed after the closing date. Because despite my previous payments I was still considered 4 months past due. 
When I called to discuss the closing of my account and I reiterated the issues over the last few months and I referred back to my conversation regarding XXXX 's payment AND they were aware of my upcoming XXXX payment. They said my account was still closed because I was overdue. All of my other credit card banks have worked with me, with even larger debt and I am slowly becoming current on their balances. MACYS/Citibank did nothing to help me during my own financial crisis except tell me pay or close your account or you become more delinquent. Even in face of the many financial challenges of the COVID crisis they weren't willing to suspend action on my account for 11 days when my {$150.00} would have put me less than 4 months past due. I had a spotless payment record prior to XXXX. A record that every other bank recognized in understanding my current crisis. I received no regard from MACYS/Citibank. So I want to bring attention to their total lack of assistance or empathy or even regard for my previous business in dealing with my financial struggle. Lastly, I will say I had no intention of closing my account or remaining in delinquency. I planned on returning to solvency and continuing my business with MACYS/Citibank. They had no interest in that. They just wanted their payments regardless of my situation.
Consumer complaint received 2022-08-25
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. (KY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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. 

ACCOUNTS XXXX. XXXX XXXX XXXX Account # XXXX XXXX {$430.00} Date XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX Balance {$220.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$810.00} Date XX/XX/XXXX XXXX. XXXX  XXXX XXXX Accounts # XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX. XXXX/Dept of Ed Account # XXXX XXXX {$8900.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$760.00} Date XX/XX/XXXX
Consumer complaint received 2022-08-25
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. (KY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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. 

ACCOUNTS XXXX. XXXX XXXX XXXX Account # XXXX Balance {$430.00} Date XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX XXXX {$220.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX {$810.00} Date XX/XX/XXXX XXXX. XXXX  XXXX XXXX Accounts # XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account # XXXX XXXX {$8900.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$760.00} Date XX/XX/XXXX
Consumer complaint received 2022-08-25
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. (TX)

I previously filed a complaint on the fact that i did not recognize accounts and inquiries on my credit report. I have asked that the company investigate and furnish me with how they investigated and through whom, i still have not recieved a response.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (AL)

I went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX  - Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (PA)

On XX/XX/XXXX I filled a dispute for An account that I didnt recognize that had a {$3600.00} Debt and it was hurrying my credit score dramatically the company Name goes by XXXX  XXXX XXXX Under Eastern Account System.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo unfairly closed my new checking account after opening it. Due to XXXX XXXX falsely accusing me of harassing her when she was the one harassing me. I have never been able to put this to rest because I did nothing wrong. I was being set up by XXXX XXXX and the rest of her friends at the bank. When I couldn't log into my account. I didn't see XXXX XXXX at the bank the entire week at the XXXX XXXX branch. Until the last day of getting my new account set up. The banker I was with new I wasn't harassing her. But XXXX XXXX falsely called 911 but the police didn't do anything to me. The police looked confused as to what's going on here. 

But she lied to XXXX XXXX and he sent me a hostile nasty letter about my bank account being closed. He didn't investigate fully or look at the security footage. 

I didn't have know that XXXX XXXX was in the bank that day. It was all a dirty thing to do to me and they should be in trouble anyone who was invoked with XXXX XXXX. 

I can't have a checking account car loan any rule of loan. XXXX XXXX threaten with the police if I come inside any Wells Fargo bank. This has me enraged and furious I didn't do anything wrong. 

If the female banker lied saying I harassed XXXX XXXX then she needs to be fired to. I was taking care of my own banking business. But Wells Fargo refuses to hear my side of the story.
Consumer complaint received 2022-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VEROS CREDIT, LLC. (FL)

Our vehicle was repossessed by the dealership ( XXXX XXXX ) who sold the car but not the lender ( Veros Credit ) who we financed with. The vehicle was repossessed on XXXX XXXX by the dealership who still have not report it with the police department which they were supposed to within 1-3 hours. We spoke to the lender around XXXX XXXX  on XX/XX/XXXX if they had repossessed the vehicle which they had claim there was no repossession order out on our vehicle and asked if we would like to make a payment. The dealership texted us stating they repossessed our vehicle because we made too many late payments but not missed payments. The lender had no idea that the vehicle was repossessed by the dealership until we call to question them about it. That's when Vero 's Credit marked it repossessed in their system. We make the monthly payments to the lender not the dealership. We have been trying to speak to them regarding this and getting our vehicle back every day since XXXX XXXX but the dealership ignores our calls while the lender keeps telling us to deal with the dealership only. XXXX XXXX  repossessed our vehicle wrongfully.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (VA)

In mid-XXXX, I applied for the Amazon Chase credit card from an offer on the Amazon website. Within 10 days or so, I had the card in hand. 

I opened the envelope in early XXXX to activate the card and noticed that I was issued only a {$500.00} credit limit despite my FICO being XXXX with an annual income ( base only ) of $ XXXX which I included on my application. 

I submitted an initial secured message to Chase as I couldn't get through by phone to question this and have had many exchanges since through secure message. They basically assert that I have to go through the full credit limit increase process which results in more credit bureau hits. Yet, they have every piece of information required, as provided in the application process, to support the request. They refuse to do so and they also indicate they can't elevate the issue. 

I'm questioning both the credit model applied here to could possibly result in someone with a XXXX FICO and ample income to receive such a low credit line AND being forced to have yet another credit bureau hit within a few weeks of being decisioned when the data already exists for them to make such a decision. Something is amiss on both fronts, including their business process ( not to mention their poor service ).
Consumer complaint received 2022-08-25
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. (FL)

XXXX  XXXX on my report is incorrect. 

This account is reporting to be charged off. If the account is charged off, how can it have a balance and how is it reporting every month. According to the law if the account is charged off and the company has charged it off it should not be reporting with a balance, Please correct the incorrect reporting on this account, The balance is incorrect as well. I spoke to XXXX XXXX XXXX ID # XXXX and XXXX ID # XXXX and they both advised that this balance is incorrect. I also have a letter from the company dated XX/XX/01 that the balance is incorrect. WHy is it still reporting incorrectly. 

How is this verified, what is the method of verification? who did you speak to?
Consumer complaint received 2020-04-16
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. (CA)

I was made aware of several negative accounts and some inquiries on my credit today XX/XX/2020 because I was turned down from getting a loan at XXXX credit union. I looked through each of these accounts & inquiries and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information such as my social security card, date of birth, address etc. I did not gain anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards any of these accounts. I have already notified the companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved.
Consumer complaint received 2022-08-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUTOMOTIVE CREDIT CORPORATION (MI)

Automotive Credit Corporation the original lender who I got the auto loan from and their lawyers/debt XXXX XXXX, XXXX & XXXX XXXX XXXX 
On my credit report they have on their records the wrong amount owed which is double or almost triple according to my credit report. 
I have a court settlement for XXXX for which it was agreed upon that I pay XXXX dollars every month till the debt is washed. I have paid this every month on time and have receipts of each transaction. My amount owed hasn't changed and in fact has shown to have increased from when I first started paying XXXX years ago ( XXXX of XXXX  ). On my credit report it shows that I owe {$17000.00} On XXXX, XXXX XXXX XXXX XXXX payment portal ( this is the company I make payments to as per the court and it states total due as XXXX which is false. Both of these companies are working hand and hand together. so I have no understanding why this is so incorrect, these companies are preventing me from getting my credit profile right and getting a proper loan. 
As of today with all of my payments up to date and on time I have paid XXXX if my math is accurate. I should only owe XXXX which is a very different # than what they show me to owe.