davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I contacted the Court and their response is that they DO NOTprovide any information to credit reporting agencies. 
If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have providedme letters that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
It is CLEAR that theBankruptcy Courts DO NOT report to any Credit Bureau, therefore the intital response Verifying the item with the Court was either an ERROR or a LIE. 

Either way, the reporting requirements DO NOT COMPLY withFCRA 611 ( 15 U.S.C. 1681I ) and the information MUST BE DELETED IMMEDIATELY. 
The Bankruptcy Courts have confirmed in the attached letters of their proceedures that they DO NOT report to the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

I have already sent a method to Verification to the Credit Bureaus asking them to Verify the debt and they have already stated the the item was Verified. 

Verify Account Bankruptcy Account Number : XXXX Please investigate and delete from my credit report. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 


Name of Account - Bankruptcy Account Number - XXXX The Account also has multiple inconsistencies ( INCONSISTENT REF NUMBER AND NO CLOSING DATE ) ( COURT JURISDICTION DISCREPANCY )
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - XXXX in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/2023 {$1700.00} was inappropriately and unauthorized XXXX to a contractor ( with him using my phone ) without my approval. I've requested the contractor to refund me the money, in which he agreed to do so, however to date I haven't received the payment back. I contacted my bank, Capital One, in early XXXX about this unauthorized payment and I keep receiving the response of issue being under investigation.
Consumer complaint received 2023-10-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

A 20 % discount was marketed on the first purchase for an approved credit card application. I applied and was declined at the store in error. My credit is immaculate so I called XXXX and was told my application was indeed approved. I was marketed a discount and declined in error- never received my discount and had a hard credit bureau hit for the sole purpose of redeeming the 20 % off a large purchase. I did what I was asked to do to receive the discount ( opened up a card ) yet never received 20 % off a {$220.00} purchase because I was communicated by the associate that my application was declined, when it was actually approved. I would like my {$44.00} refunded which is the discount I would have received if the card was not incorrectly declined at the store, while all the while actually approved.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (GA)

My original mortgage was with XXXX XXXX. Because I worked for a nonprofit, my pay cycles were not the XXXX  and XXXX. I generally paid my mortgage between the XXXX and XXXX. I only had to pay a late fee twice in XXXX years. My niece also died of XXXX, which they noted, and my account was 30 days past due once. However, my account was in impeccable standing because I paid my mortgage XXXX months in advance. But they had already made the decision to transfer my account to Roundpoint. I researched the company because I always do my homework and I was appalled. They are not XXXX  certified and have over 26 pages of complaints, pages of negative reviews online, poor reviews, and testimonials from consumers who have fallen victim to their incompetence and predatory practices. I don't want to be one of them. I worked for 15 years to build my credit to purchase my home, and I will not lose it to tricks, mismanaged paperwork, and schemes in the form of capitalistic fees on vulnerable consumers.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was a victim of identity theft I called the company and explained the items dont belong to me. 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 
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 2023-10-04
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: JPMORGAN CHASE & CO. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 consume report containing any of the following items of information Any 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 ) ( a ) 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. 


Delete the accounts below JPMCB CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I received notification from my student loan servicer, XXXX that my student loan have met the requirements under the Public Service Loan Forgiveness ( PSLF ) Program and all or a portion of your loans listed in the letter have been forgiven. My student loans nearly {$83000.00} have been forgiven and my balance is {$0.00}. 

This letter is dated XX/XX/. I contacted Equifax and learned that XXXX reported on XX/XX/ that I have a balance of {$82000.00}. 

I called XXXX and held on the line for two hours, got a representative who stated it will take 90 days to update the balance to XXXX. I asked to speak with a manager as this is a violation of the Fair Credit Reporting Act, and they can not report erroneous information and since I have a XXXX balance, they must report that current balance. 

I held on the line another hour and a half. A manger never accepted my call. XXXX is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (PA)

I used my Upgrade Rewards Checking Plus account to make a wire for {$5500.00} on XX/XX/XXXX to a recipient that I routinely transact in this manner with ( XXXX  ), and Upgrade 's fraud detection had flagged my account for suspicious activity. It is my entire amount of my funds and I have been very detailed and clear with Upgrade about the nature of the activity on my account as well as the source of payment and funds associated with every transaction I have ever made. Upgrade has failed to acknowledge my email detailing activity on my account, and has only sent me very obscure time frames for when I will receive a follow up with how to lift the restriction on my account.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX Bank of America decided to close all of my accounts suddenly. No reason was given. I appealed on XX/XX/XXXX but that was denied. 

In total - 10 accounts were closed. 
1 personal checking 3 business checking XXXX children savings accounts XXXX child checking account No reason was given. I was locked out of my accounts and unable to withdraw any funds and I am still waiting for my funds to be returned to me. 

No communication or notice was given by the bank. I called the bank when I found that several transactions were all of the sudden being declined despite funds in my bank account. 

The accounts were all current, not overdrawn and I had been a customer with Bank of America for over 10 years and never had any issues like this before.
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I sent two money orders each for {$1000.00} in XXXX of XXXX to be applied to principal. When I got my XXXX statement and that payment didnt show I contacted them and they said they didnt have it. I contacted XXXX XXXX and they provided me with copies of both and back of the cashed orders. I forwarded them to the servicing company. They have them on file and still nothing has been done. They have had the copies, which both clearly show my account number, address and signature since XXXX of XXXX. I have contacted them on more than ten occasions and get the same response every time, we are looking for them. I have asked to speak to whoever is looking for them or a supervisor or anyone else that might help me and am told that they cant do that. The last person I talked to said they were probably applied to the wrong account and they would have no find that before they could apply it to mine.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express ( AmEx ) makes it incredibly difficult to pay the guest fee when bringing a companion to one of their XXXXXXXX XXXX. While they advertise the benefit of XXXX XXXX access prominently and call out on both their website and affiliate sites that guests can enter as well if you pay {$50.00}, they do not state that the only way to pay that fee is with a *physical* AmEx card. 

As someone who got the {$600.00} / year Platinum Card today with the explicit intent of using that lounge benefit with my companion *today*, I was extremely disappointed to find out that there are very few ways to pay the {$50.00} guest fee. They do not state that you can't pay with an AmEx card digitally ( e.g. via XXXX XXXX ), that you can't pay with any non-AmEx cards, or that it's somehow prohibited to XXXX {$50.00} to someone in line with you for them to use their physical AmEx card to pay your fee*. I downloaded the AmEx app and had my new card approved, active and registered both there and in XXXX XXXX. Because my physical card- which is also my only [ and likely last ] AmEx card -is still in the mail, I was unable to pay for guest access. 

Faced with a situation that AmEx had not prepared me ( or themselves, apparently ) for, their poor customer service and disregard for the consumer was jarring. None of the front desk staff nor manager were conciliatory or tried to help us find an alternative solution. We stood at the front desk for an *hour and a half*, searching for a solution and calling AmEx customer support, before the manager grudgingly allowed us to enter. 

Very disappointed with AmEx, their advertising practices, lack of user-friendly payment options, and customer service. 


*They do mention that soliciting AmEx cardholders for lounge access is prohibited. But making a friendly deal with someone completely separate from AmEx to first provide *them* with the money to pay your guest 's fee ( using *your* Platinum Card benefit and *your* boarding pass for the actual access requirements ) is *not* " soliciting someone for access ''. It's asking for help navigating obsolete and absurd payment requirements.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (MD)

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX, I do not have a contract with National Credit Systems, they did not provide me with the original contract as i requested this is the letter that was sent to them back in XXXX and they still will not correct this issue. 


XX/XX/2023 NATIONAL CREDIT SYSTEM XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is required. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Furthermore, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the of your receipt all references to this account must be deleted and completely removed from mt credit file, and a copy of such deletion request shall be sent to me immediately. 



XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (GA)

Ive had a Bread Cash Back Amex credit card for about four months. Aside from their many website glitches and outages, the more important issue is their assumption that there was fraud on my fraudless account ; therefore, my card was locked three times, and unlocked twice. After three phone calls and one snail mail letter, my rectifying efforts resulted in them constantly kicking the can down the road. I was told of ongoing investigations, prompted by them, not me. 

The last communication from them ( via snail mail letter ) asked me to call them within 30 days, or the account would be closed. I called immediately after receiving the letter. Again, the can was kicked, pending further investigation. I told them to close the account, then added that they earned their many negative online reviews ( one site posts 73 % negatives ). 

I have a second fraudless Bread credit card under investigation, which is about to cheat me out of {$50.00} cash back. I was {$17.00} short of earning it, and then it was locked. I expect this account to undergo the same scenario as the aforementioned. 

I assume that Bread is using this tactic to claw back any earned cash rewards.
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IN)

To whom it may concern, This was a charge from years ago and could be even past the point of collection time. 
However, I had an XXXX XXXX Account through Comenity Bank now owned by Bread Financial to the best of my knowledge. 
I used it for a few years and always paid on time. 
Then there was a charge on my account for over XXXX dollars and was shocked. 
I had used the card for services but the amount I was told was literally half of that. 
I immediately called the Credit Card company and told them the charge amount and so they credited me the amount of the over charge. 
I than paid the amount the was actually agreed to. 
After their investigation, they decided to put the double charge or overcharge back on. 
I even connected with XXXX XXXX and they offered me a credit in that amount. 
I did not make that charge or was over billed and no idea how that amount was able to transact. 
I know for a fact that I did not sign for that amount. 
My actual maximum balance I could charge was XXXX that alone was over that amount, how could that charge even go through? 
I even paid the amount that I actually agreed to pay that resulted in a XXXX balance. 
I then asked that they close down the account as it still had my maiden name on it as well and could not get them to remove or correct it. 
I was upset and confused to then receive a bill back for the amount disputed. 
I wrote to them, I called, I did everything I could do as a consumer to get this taken care of. 
Meanwhile, they continued to charge fees and late charges and then finally closed it down. 
Then on top of that and knowing there was an issue sent it to XXXX XXXX XXXX. 
Ive asked them to send me my disputes that I have sent through to the company. 
All they sent me was a bunch of Terms and Conditions. 
They tell me via phone that this is all they need to send to me. 
The charge now they want me to pay is XXXX in charges for a charge that was double the amount agreed to. 
It has been several years now, and hoping for some guidance on what I can do to resolve this issue if possible. 
Im hoping maybe if the CFPB looks into this than maybe one of them will be more apt to assist me in resolving this.

But because Ive never received anything from the original creditor except statements, Im not sure how I could have even report this to the authorities. 
I need the evidence of the signatures and how this was able to be charged. 
Especially a charge over my credit limit and a card not in my legal name. 
Any help on this would be appreciated.