davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (VA)

1. Accounts in Dispute : Account 1 : Comenity Capital Bank / XXXX Comenity Capital account # XXXX Account 2 : Comenity Capital / XXXX account # XXXX I have reviewed my credit report and identified several errors related to the above accounts. Specifically : Account 1 : [ balance reporting is inaccurate past due date also. ] Account 2 : [ balance reporting is inaccurate past due date also each credit reporting agency has these accounts reporting different an incomplete information ] 3. Legal References : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681i ( 5 ) ( B ) : This section mandates that if an item of information is disputed, the credit reporting agency must provide the consumer with written notice of the dispute and must also ensure the information is not reported without proper investigation.

15 USC 1681c-2 : This provision stipulates that any information that is not substantiated or verified should be removed from the credit report. It also outlines the requirements for reporting accurate and complete information. 

BELOW IS FTC REPORT IF YOU DONT WANT TO BE HELD ACCOUNTABLE FOR EACH VIOLATION THATS XXXX per violation delete accounts
Consumer complaint received 2023-07-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (CA)

I was applying for places and was wondering why none of them were accepting and it was due to a low credit score and it came to my surprise that was the reason due to me paying all my bills and only using XXXXXXXX XXXX  card, my XXXX XXXXXXXXXXXX XXXX card is the only one I use, sure enough my data was breached and opened up a credit card account and noticed fraudulent charges of up to XXXX dollars overtime on the credit card used, it was clearly maxed out and left to stay as debt, i have no connection whatsoever to this account even though my information was put in due to identity theft.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

I received a gift card about three weeks ago, and it has a balance of {$50.00}. The card merchant 's name is Vanilla Gift ( vanillagift.com ). I opened up the envelope that held the card, and the card number and security code were scratched off on the card. I made a phone call to Vanilla Gift customer service to request a card replacement due to the damage to the card. However, they said they could not send us a replacement card without the receipt of the card. Since I received this card as a gift, there is no way I can have a receipt without bothering the gift-giver. Moreover, they started opening the case without giving me the following important information. First, they did not inform me that I could have used this card offline if we had not started the replacement process and prematurely opened the case even when I told them that getting the receipt would be difficult to impossible, making the card unusable offline. Second, they asked for my name without informing me whether it should be legal or preferred and opened the case with the wrong name and now asking me to send them documents with my legal name, not my preferred name. The case once opened could not be closed and the card was made unusable without a receipt due to the fault of the company 's. The case number was XXXX The card packaging was not damaged, suggesting that the card was tampered before packing during the manufacturing process. After searching online, it seemed as if this was a common issue, some speculating that the company was doing this intentionally to prevent the cards from being used properly and eventually profiting from unused funds upon card expiry. The card number and security code has been scratched off in the precise location ( along with many supporting similar incidents ) to believe that this is not an accident but intentional. I believe that this kind of malpractice is an extremely serious problem, causing me to raise this complaint. 

Thank you for looking into the matter. I sincerely hope that vanillagift can be held accountable for this action, and that the problem can be resolved.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

I received a letter stating there might be fraudulent charges on my Citi bank credit card account. I could not get into my account when I never had a problem before. I still can not. I called fraud and spoke to a woman The XXXX week of XXXX. She said she will cancel the card issue me another one in the mail and the fraud department will contact me. They have not. I got a new card in the mail the XXXX week of XX/XX/year> and in the time it was sent by the bank it was already hacked. I called again the XXXX week of XXXX and got the same woman with a different name. Another card was sent to me and the same thing happened. I call citi fraud department and got THE SAME WOMAN ... .. different name again. ( she had a very unique voice and accent. It was her ). She would not talk to me like a normal person. At this point I asked her to just close out my account all together but this was after a payment of {$490.00} was automatically applied to the fraudulent charges on my account. 

I got a letter in the mail stating I was accepted to apple pay, another for XXXX, and a third with a debit card I had supposedly opened, then a XXXX with a debit pin. None of these I applied for and these came after I " closed the account ''! 

I answered the phone Sunday XX/XX/year> to hear the voice of that same woman again telling me I owe over {$200.00} on this account. The one that she supposedly closed. 

I gave permission for her to speak to my husband. After a short discourse she hung up on him.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

I was trying to get an appointment for a XXXX XXXX slot in embassy in XXXX. A person reached out to me over telgram that he can help me get an appointment. I shared my account credentials with the person after which he changed them and sent me a fake evidence showing that he got appointment. The merchant then asked me for {$150.00} and asked me to send them via remitly. Once I sent them via remitly, the person claimed that he did not receive the money. He refused to give me my account 's credentials/access back until I sent money again. Then again I had to send {$100.00} to person and this time again the merchant made up another excuse that they can't withdraw money and that's why they can't give me the credentials. So I was scammed by {$250.00} due to this. Later I was able to regain access to my XXXX XXXX account by trying random email/password and I could see that there was indeed no appointment scheduled. 

I have asked the person to give me my money back but they have completely stopped responding to me and claiming it wasn't indeed a scam. I have contacted remitly and they are refusing to help as well. Lastly, I contacted my bank ( XXXX ) through which I made the credit card payment and they said only remitly can help me here. 

Hence writing this complaint to request that CFPB please help me resolve this with remitly and help me get my money back. Thanks! 

I have attached the entire chat history screenshots and proof from visa portal that appointment wasn't updated.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (NJ)

XXXX verified an account on my credit report as valid with out the proper documentation and just lie about the status of this account with a balance of {$1700.00}... 

XXXX. I contacted XXXX XXXX and they inform me they sold the account XXXX to Resurgent Acquisitions LLC and they stated clearly that this company has paid the debt in full and I don't longer own XXXX XXXX any sum of money and anything from now and forward need to be handle with Resurgent Acquisitions LLC XXXX. I contacted Resurgent Acquisitions LLC true the phone number ( XXXX ) XXXX and indeed they inform me they had bought the account XXXX from Upstart Loan and had paid the " {$1700.00} '' balance in full and now and forward I need to make any payment to Resurgent Acquisitions LLC .... 

XXXX. I requested the signed bill of this transaction, sold/bought of account XXXX from bout company and also true XXXX and ALL OF THEM HAVE FAIL TO PROVIDE ME WITH THIS DOCUMENTATION XXXX. XXXX JUST LIE ON THE VERIFICATION OF THIS ACCOUNT, THEY DONT HAVE ANY PROPER SIGNED BILL OR DOCUMENTATION FOR THE SOLD AND BOUGHT OF THIS ACCOUNT XXXX XXXX. UPSTART LOAN IS STILL REPORTING ERRONEOUS AND FALSE BALANCE ON THIS ACCOUNT .... THEY WHERE PAID ALREADY IN FULL BY Resurgent Acquisitions LLC
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (SD)

I was one day late after thinking that I had scheduled a payment. I made the payment one day past the due date and was charged over $ XXXX in interest. I have filed a compliant with the company ( complaint number below ). 

Complaint number : XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (AK)

Genesis FS card services has called me twice today. Both times I refuse to speak with them because I recently became a victim of identity theft and the company who is calling me does not match the name of the card I have and they wont say what card they are calling in regards to until after they confirm the person they are speaking with or the person states their name and verifies who they are looking for with what should be sensitive/secured data, when introducing themselves AND they keep calling from masked numbers. 

I have a Florida cell phone number but I live in XXXX XXXX Alaska, XXXX XXXX  XXXX XXXX is masking their calls with a XXXX area code ( Alaska ) and keep calling from different numbers even though they do not have any offices or head quarters in Alaska. I only answer local ( to my location ) numbers because of my children or the police because everyone else who is an Alaskan number can be saved in my contacts due to having XXXX phone number they call from other than toll free numbers listed for customers to call. 

They also seem to only have people of XXXX or XXXX XXXX XXXX decent calling customers. And I dont know if they are in some boiler room in XXXX XXXX if its really even my actual creditor calling being that they are using deceptive debt collection practices by masking their numbers and calling multiple times in XXXX day, every day.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I'm recently just finding out a credit card was opened in my name with Bank of America. I see it's on my credit report. It's saying the card was opened XX/XX/2021. AND I owe a balance of {$880.00}.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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.

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 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 ) ( 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 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: HOMEOWNERS FINANCIAL GROUP USA (GA)

I reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request a Loan Estimate on a mortgage and provided him with : Name Income, SSN, Desired Loan, and Property ( New Construction ) He ran a Hard Pull on my credit then attempted to manipulate me into locking into his company without providing a Loan Estimate. He claimed that I am required to provide him a signed contract before he can provide a Loan Estimate, which is illegal. Do not work with anyone at Homeowners Financial Group as this could impact my ability to qualify for a mortgage as a well qualified buyer and impact my score thus costing me tens of thousands of dollars ( or more ) in interest over the course of my loan.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-05
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

I had been out of work and had made some arrangements on when l would be making payments. 

So 3 days later l called XXXX and told them l would be making a payment and she guaranteed me that as soon as that's done, available funds will be made minus credit card fees but to my surprised l was told XXXX $ was a large payments so they have frozen my access to the funds and use of the card despite telling them that l needed the funds to be available and they had assured me of that but they now have been claiming that its a system that does that and they can not make them available for the whole 2 weeks until the XXXX of XXXX. 

Now despite paying off my balance by half they have caused harm to me and my family for bills and others. They have even charged me late fees/ monthly fees.as cant even release the funds or call me back as requested when theier Managers would be free. Its now over 2 weeks and no calls from Managers and no release of my funds. 

They are making loans of my held funds and making profits as l know they have probably borrowed those funds to other individuals and keep making free profits from me and others that may be in the similar case where l do not know how {$2200.00} is a large amount that would cause them to freeze my funds for over 2 weeks.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Three credit reporting agencies continue to post negative and late Payments Made by XXXX XXXX XXXX, Who has REFUSED to supply the proper documents the the DIFS as to why we did not receive the goods and services we prices but continue to charge us for them. Credit reporting agencies could care less, and are now part of the reason we are having a finical crisis from the banks fraud to the agencies continued reporting. They refuse to address the issue after several complaints have been made and Feed back provide. My husbands score has decreased nearly XXXX points from this banks fraud and being allowed to continue to report.