davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-19
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. (VA)

XXXX customer representative invited me to apply for one of their credit  cards since recognizing me being a long time customer so I said sure, why not so I did. 

After a month and forgot all about applying, received a letter from their credit card supplier " XXXX XXXX '' stating that I was denied due to what XXXX   reported to them but when I look at the reason ( s ) were completely different on what was on my credit report. I don't know what going on with XXXX XXXX  but I believe being discriminated because of my race. 

Its not being denied credit with XXXX but the untruthful and unreasonable reasons why and here are the reason ( s ) attached - some of their reasons don't even make any sense. 

... .and on top of that they stated that my credit score was " XXXX ''. I checked and it is " XXXX. '' It might be a possibility that they got me mixed up with another XXXX XXXX as it happened before and it is a common name.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

Hunter Warfield Inc put and debt on my credit for {$110.00} XX/XX/XXXX on behalf of XXXX XXXX  - The XXXX located in XXXX XXXX, XXXX. The original date stated was XX/XX/XXXX. It was wrong. I contacted them on XX/XX/XXXX when I received a strange email stating I owed money. I already disputed this action before I had no idea what they was talking about. So when it was placed on my credit again for the second time and they sent me a letter to my correct email. I sent them the receipt of payment from XX/XX/XXXX after I called around to find out who this company was. The company went in and changed the original letter after receiving my receipt and still are saying I owe when I never did. It should have never went to collections. Also the company that sent it out no longer exist due to fraudulent activity confirmed by new owners. Hunters Warfield placed this on my credit two times effecting it by XXXX points both times with a total of XXXX points. They was very rude, inconsiderate, and sent out another set paper telling to go to the police station and fill out a report. I paid my invoice and showed my proof, I shouldnt have to go through this.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (OH)

Barclays Bank Delaware opened balance of {$1100.00} card was opened on XX/XX/2023 I need this taken off my credit report I have been working on my credit for years was up to XXXX and has dropped to XXXX points Ive been trying to finance a house and with this happening I can not get approved. I have called the bank the card is through and reported it as fraud they are not getting back with me and taking care of this matter as soon as possible.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-08-17
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: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-17
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (NV)

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX inquiry date XX/XX/year> XXXX XXXX  inquiry date XX/XX/year> XXXX inquiry date XX/XX/year>
Consumer complaint received 2023-08-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group (TX)

I've notice a collection debt from THE PHOENIX RECOVERY GROUP/PHOENIX GROUP ACCOUNT XXXX ( THE X 'S ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number. This falls under inaccurate/false reporting and must be DELETED PERMANTELY AND IMMEDIATALEY FROM ALL 3 CREDIT BUREAU 'S XXXX, XXXX AND XXXX DUE TO LAW PASSED EFFECTIVE XX/XX/2017 NO JUDGEMENTS ARE TO BE REPORTED ON NEITHER 3 CREDIT BUREAUS. THIS IS ILLEGAL!
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 someone made a XXXX transaction for {$1700.00} from my accout that was not authorized l. I also had another XXXX transaction i did not authorize on XX/XX/2023 for {$1100.00} which they refunded on XX/XX/2023. But they refuse to refund the {$1700.00} claiming that I authorized the transaction. I have been in touch with XXXX and they have not current or pending transactions in theblast 3 months. But Chase bank is refusing to refund my {$1700.00}
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!
Consumer complaint received 2018-12-19
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. (TX)

THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!
Consumer complaint received 2023-08-17
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: College Ave Student Loan Servicing, LLC (NY)

I applied to go to XXXX after transferring home From XXXX XXXX and XXXX XXXX XXXX XXXX after my mother had a XXXX XXXX on XXXX. I was only XX/XX/XXXX years old. 

After getting in, I only got about half of the money due for tuition in financial aid. So I had to go the private sector route. I first got a loan applying with my grandmother ( has since passed away after I graduated from XXXX XXXX ), this was from College Ave services. They gave me, {$31000.00} ( XXXX ID - XXXX ) for XXXX year of tuition. Disbursed on XX/XX/XXXX. After my first year I was taking summer classes. This time again, I would need financial aid. Not getting enough I would turn to the private sector again, But only this time I was denied any further loans from College Ave, even with my Grandmother as a cosigner. So I turned to XXXX XXXX. I was approved with my grandmother again as cosigner, for a loan of {$8800.00} ( Loan ID - # XXXX ) that was disbursed on XX/XX/XXXX. After summer classes, my Junior/Senior year was about to begin, and so I had to find more funding. This time though, nobody would approve me, I tried multiple different websites other than but including, XXXX XXXX and College Ave, I do not fault the others as looking back now as an actual adult how wrong it would be to give a person like me funding of that nature, but so many companies feast on people like me. I also tried multiple different cosigners from my family, but no luck. Therefore, I had spent a just about a year at XXXX, borrowed over {$60000.00} total ( including federal loans, just principal, now it is much higher ), and for nothing. I borrowed all that money to go to a dream school, with an incredible reputation, thinking I was knowing the risk and " knowing '' ( truly hoping ) a degree from there would be worth the money. I truly believe they both XXXX XXXX and College Ave gave me the original loans, more than well knowing that they would not approve me for a second one. How that is not unlawful is beyond me, but now I am stuck, worried sick about how to live, because I have this huge debt on my shoulders. In total with Federal I owe currently about XXXX in loans, and I graduated from a school that would have cost me {$80000.00} had I never tried to achieve a dream degree.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America has made a decision to close the two credit cards I had with them. They informed me the decision to close the account on XX/XX/XXXX. At the same time, they do not allow me to redeem the cash back rewards I still have on these XXXX credit cards. XXXX credit card has about {$800.00} in cashback rewards and another credit card has about {$6700.00} in cashback rewards. Bank of America does not tell me the reason for closing my accounts nor does it give me any heads-up that the accounts will be close so I would have time to redeem the cashback rewards. I understand Bank of America has made the decision to close the accounts, but they can not just keep my cashback rewards ( ~ {$7500.00} ). If Bank of America has the ability to unilaterally close the accounts, then they can not be just cancel my cash rewards on the credit card. This is what pirate would do, no a company like Bank of America.
Consumer complaint received 2023-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was charged {$75.00} by XXXX XXXX XXXX in XXXX IL for a credit/background check for an apartment lease. My application was denied even though I know I passed the credit check and background check. The law states that if I am denied an apartment lease due to background check I must be told why so that I can correct the problem. XXXX refused to tell me why. I have a suspicion that the denial was because I was using a housing voucher. I have hired an attorney. In any case, the {$75.00} should be refunded to me because my application was denied and the company refused to let me fix the problem. 
I explained all of this to Bank of America when I called to dispute the charge. I was sent a letter telling me to provide documentation. There is no documentation, everything was done by phone or via XXXX application link. Furthermore, there is no mechanism to provide a written statement to BofA electronically. They are insisting on a paper copy being sent to them in the mail. I have difficulty writing. I can type, but I don't have a printer. I am XXXX and it's a real hardship for me to get to a place where I can get something printed. BofA is not willing to provide a solution for me. I have never heard of anything so antiquated. They have told me that because I can not send them a paper copy of my complaint I will have to pay the {$75.00}. One of the reasons I use credit cards is for the consumer protections. I had a dispute with XXXX a few months ago. They handled everything over the telephone. This makes me thing that BofA does not want to settle any disputes. They make it very difficult for the consumer to file the complaint.
Consumer complaint received 2020-03-05
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX  XXXX  XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit reports from all three major credit bureaus and discovered significant inaccuracies. Experian has an incorrect Social Security number listed for me, which, upon further investigation, appears to have been incorrect for a long time. XXXX and XXXX are also reporting inaccurate information, including debts that do not belong to me. 

I have already sent proof of my correct Social Security number, along with evidence that the addresses, phone numbers, and debts reported are incorrect. Despite this, the erroneous information remains on my credit reports. This has adversely affected my credit score and has led to denials of credit. 

I urgently need your assistance to rectify these issues and to conduct a thorough investigation. I have also placed an identity theft notice with the IRS. It is critical that all incorrect data be removed from my credit reports and that accurate information is reported promptly. 

If this matter is not resolved swiftly, I will consider seeking legal counsel and pursuing further action against all three credit reporting agencies.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have on several occasions tried to have the credit reporting agency remove some inaccuracies for my personal information on my credit report. The reporting agency has some addresses listed as " apts '' that are not. The agency has some unit numbers listed incorrectly on a number of occasions. The agency has a great amount of addresses that are listed incorrectly ; i.e. apartments, single family, business, and WILL NOT remove them. Furthermore, my legal name is either repeated or reported incorrectly and these illegal entries are reporting falsely on my credit report.
Consumer complaint received 2020-03-05
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: Experian Information Solutions Inc. (TX)

Experian has not resolved any of the Identity theft that is still occuring on my credit report, I have contacted Experian Numerous times, and have sent in my Identity Theft Affidavit which is signed under Perjury. I do not have an Account with XXXX XXXX, They have already advised me the address they mailed the card to was XXXX XXXX XXXX, XXXX TX XXXX. Which is not my address, has never been my address. I have not lived there. I never received the card for this account, These accounts both for XXXX XXXX are identity Fraud. These were opened from a thief and used by a thief, I did not authorize these accounts to be opened, and I did not authorize the company to change the account number and resubmit it either. I am not liable for fraudulent debt, I am a victim of Identity Theft and these two accounts were opened from a thief and Experian refuses to investigate, Siding with XXXX because that's their Vendor. One was opened XX/XX/XXXX, and one was opened in XX/XX/XXXX. I received no calls to clear the Extended Fraud Alert on my credit file which specifically states I must be called. I did not authorize these accounts to be opened, and I do not do business with these merchants. Additionally, Experian is allowing a fraudulent inquiry on XX/XX/XXXX for a XXXX XXXX, Which I did not authorize this inquiry is also fraudulent. Again Experian doesn't allow me to call in. I have advised them via mail, and upload numerous times about the theft, and they refuse to investigate. 

Lastly Experian has a name on my profile under XXXX XXXX XXXX, That isn't my name and they won't allow me to dispute that either. 
Also the XXXX XXXX Credit card was stolen, and used for fraudulent transactions which is why the balance is showing as {$27000.00} this is not accurate. 
This is Identity Fraud, and These Two Accounts should be blocked, as I have stated the truth and swore it under perjury.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequium Asset Solutions, LLC (GA)

Sequium Asset Solutions originally contacted me via e-mail on XX/XX/2023 stating that I had a debt with XXXX that they were trying to collect. I acknowledge the debt since I shut off my XXXX bill after moving in the middle of a billing cycle. However, the company said I had until XX/XX/XXXX to set up arrangements or they would report it to the bureau. I reached out via their website, as suggested, on XX/XX/XXXX. It gave me a confirmation that I was good to go. It was supposed to be paid off by the time XX/XX/XXXX came around. I thought nothing of it aince it would come out of my account automatically. Today, XX/XX/XXXX, I got a notification from the bureaus that they had reported this debt to all of the credit bureaus as unsatisfactory AFTER I set up an arrangement with them. I called them to see what was going on. The first agent told me he did not see an arrangement as ever being made. The second agent, which was supposed to be the manager, told me she saw the arrangement but it was MY job to go back after I received confirmation from them to make sure THEY took the money that they were trying to collect. We went back and forth about this issue. The company was not apologetic about the error, nor did they ask to fix it, and my credit was severely affected due to their tactics.