davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (NJ)

To, Bureau of Consumer Financial Protection, Hi Bureau, Wanted to bring to you attention, a credit denied after applying for XXXX Credit card with Comenity Bank .They cited reason as Based on previous Negative experience with Comenity Bank are unable to process.. Previously around 3 years ago also Comenity bank closed by XXXX Credit card suddenly citing number of enquiries are high, even though my credit was initially approved and there were no other issues. My credit score is above XXXX on both the times. Also, credit history has been more than XXXX consistently over the years. Attached Documentation for both the cases. Can you please suggest your recommendation? 

Regards, XXXX XXXX
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MO)

In XXXX I was sick with Covid-19, I called US Bank Home Mortgage for assistance with Mortgage payment being suspended until I returned to work, I was put on a Covid-19 Plan with payment suspension options. They gave me XXXX  months, XXXX, XXXX and XXXX, I am able to restart paying me regular Mortgage payment of {$1000.00} starting in XXXX. When I call US Bank Home Mortgage regarding this Covid-19 plan, I was told that I would be able to work out a repayment plan once I came off Covid-19 plan. Once I submitted application for repayment I was told I didn't qualify for repayment or a Modification or anything else. I understand not being able for Modification, because I just had one in XXXX of XXXX. I was told the only thing I can do is try to repay the past due amount myself. US Bank Home Mortgage was well aware of my Chapter XXXX Bankruptcy and Modification in XXXX. I was on the Covid-19 plan and they told me I doesn't matter, I should still qualify for a repayment once I'm off the plan. I called today ( XX/XX/XXXX ) and spoke with XXXX in collections, she told me the only I can do at this point is try to get caught up on my past due amount on my own. I don't think this is fair and I should have been told this when I call to get help, when I had Covid-19. Now I am worried that if I don't pay this amount soon they will try to Foreclose on my home. I am in active Chapter XXXX Bankruptcy and I have been current with my monthly payments up until XX/XX/XXXX. 

Please help.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to Equifax Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the XXXX was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : XXXX XXXX XXXX**** Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX  ***** Opened Date XX/XX/XXXX Balance {$2500.00} XXXX XXXX XXXX ( XXXX  XXXX XXXX  XXXX XXXX  ) ***** Opened Date XX/XX/XXXX Balance {$790.00}
Consumer complaint received 2022-02-19
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. (MI)

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXI ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (SC)

I am an XXXX XXXX service member and my student loans were held with XXXX, I was just notified that my student loans were sold to another company. I think this action was unjust, my loans should be transferred back and included in the recent court judgment that was assessed against XXXX.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

Hi, On XX/XX/2021, I received multiple email notifications for multiple transactions within a couple minutes using my Chase XXXX and XXXX cards through my Amazon XXXX account for a total amount of {$1000.00} in 6 transactions. I immediately reported the incident to Amazon, Chase and XXXX XXXX, blocked my cards, ordered new cards, changed passwords etc. Amazon 's response was like - " not our responsibility.. we don't care.. talk to your bank. '' XXXX and Chase, after their investigations concluded that those were frauds and credit the money back in my accounts. However, Chase rebilled me for 2 of those transactions ( {$300.00} in total ) in the next statement saying that " after their investigation they concluded that those were valid transactions. '' I have provided Chase multiple times all the proofs they asked for, including my Amazon order history, but the investigation seems to be going nowhere -- as if they've already made up their mind. Most recently, I had emailed them all the proofs they had asked for a week ago on the email provided by their rep ( XXXX ) and followed up today as I hadn't heard back from them. I was told they never received the documents and asked to send docs again and wait another 7 business days for them to investigate the case. I've resent everything but what if I hear the same response again next week? 
i am approaching my pay by date, to which the rep suggested that I at least pay the minimum due balance to avoid any late fee. So I raised my concern about not paying the balance in full hurting my credit score, to which the rep said " that's up to your discretion. '' basically what he meant was " that's your problem, we don't care. '' It seems beyond logic to me how they decided that only 2 of the transactions were valid and the rest weren't. I've had so much back-and-forth with them that it almost feels like a mental harassment. 
I kindly request CFPB to look into this. I've attached some documents to support my case and I'm happy to provide any other information needed from me. Thanks.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MA)

Been a constant this has been a constant problem since the beginning of XXXX but started near the third quarter of XX/XX/XXXX. Someone made a fraudulent transaction through vendor using my bank account number which I immediately reported to citizens Bank. They were supposed only place a temporary block on vendor XXXX transactions but that was supposed to be at. Since I use vendor frequently, I called to clarify that I don't want it permanently blocked and I requested that they remove the block. That was actually done. Since I am a XXXX veteran, I get paid by the VA on the first of every month. I usually pay all my bills on the first of the month or shortly after. When I paid all my bills on XX/XX/XXXX, everything seemed fine. I've always only had one checking account since XXXX. Then I started to get return payments from every financial institution idea within every company that I pay a bill to. The specifically regards transactions or bill payments made using my ACH number. Every company of course blacklisted my bank account ending in XXXX. XXXX Bank was or the computer system was telling all of these different institutions that my checking account was a nontransaction loan account. That wouldn't make any sense since I have all me always paid all these bills with XXXX checking account ending in XXXX. I called and I explained that logic to all these different financial institutions and all of them eventually re-enabled the checking account ending in XXXX. I actually received a letter from the chairman of XXXX Bank and also a head bank branch manager explaining that it was a fault of an employee on their end. I have a BJ 's credit card administered by commenity bank. They were the only institution that required me to jump through hoops and get all these bank letterhead statements to reenable that account. I have submitted both letters five times and the account ending in XXXX is still blocked. I've spent over XXXX hours dealing with their bank customer service between chat, secure messaging, and phone support. I have fulfilled each and every obligation I had to this bank and jumped through every hoop. Their banking system is utterly incompetent as are there customer service representatives. I have letters from them stating that I will not be charged, reported as delinquent, or have to make payments until all of this is fixed. At least twice a month, I have to both call this bank and talk to them on secure messaging. They are breaking every obligation they have to me and this is gone on for far too long. I need help because they are way out of line. I have all these dates and records to reflect what I'm saying is true. I have no way to attach it to this report.
Consumer complaint received 2022-02-17
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phillips & Cohen Associates, Ltd. (CA)

I agreed to a settlement offer from Phillips & Cohen Associates and paid it on XX/XX/21. I just received a billing today saying I still owe {$930.00}. It says I have to call or write to dispute this. Why should I have to write them or call them and then trust they will get it right a second time? It's not that hard to be able to correctly determine if someone has paid a settlement agreement and to not harass them anymore. Just when you think you are done with them, they pop up again. There's no end even when you pay them! You can't be sending people bills they don't owe because you have bad recordkeeping. I know some people are scared of debt collectors and may just pay something they don't owe just to get collectors to go away.
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Yes, i received an alert on my credit monitoring service that i had a hard inquiry on my credit report that i didn't authorize. i called the company to see what happened or who tried to apply for a loan in my name. the company name was XXXX XXXX in XXXXXXXX XXXX. i spoke with a lady name XXXX. She said that someone probably has my information and tried to apply for a loan online. i told her numerous times that i didn't apply for any loan online or in person. she told me to dispute it with the credit reporting agencies, which i did and XXXX deleted the inquiry, but Transunion didn't, and they told me to file a report with FTC and CFPB. i never applied for any loan online or in person with XXXX XXXX in XXXX, XXXX XXXX
Consumer complaint received 2022-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

XXXXXXXX XXXX  PAYMENT OF {$420.00}, WITH A CONFIRMATION NUMBER OF XXXX HAS BEEN RETURNED BY KIA MOTORS FINANCE. 
PAYMENT WAS MADE XX/XX/XXXX VIA XXXX XXXX OWN PAYMENT PROCESSING SERVICE KNOWN AS " XXXX '' AND INCLUDES A FEE OF {$2.00} cents. 
( PAYMENT WAS MADE FROM A PERSONAL CHECKING ACCOUNT ( XXXX ) OF XXXXXXXX XXXX ). 
PAYMENT WAS RETURNED BECAUSE KIA MOTORS FINANCE HAS ADDED UNJUSTIFIABLE " LATE '' FEES THAT WERE NOT INCLUDED XXXXXXXX XXXX PAYMENT. 
PLEASE SEE PHOTO OF MONEY ORDER MADE FOR XX/XX/XXXX, XXXX XXXX DAYS AFTER THE DUE DATE. 
KIA MOTORS FINANCE CLAIMS THAT PAYMENT WAS RECEIVED AFTER THE XXXX DAY GRACE. 
BUT THE DATE UPON THE MONEY ORDER XX/XX/22 IS WELL WITHIN THE " XXXX XXXX, '' WHICH WOULD BE THE XXXX OF EACH MONTH. 
WHAT GOOD BUSINESS DOES THIS : TURNS DOWN HUNDREDS FOR A " FEE '' LESS THAN XXXX DOLLARS??? 
( SEEMS PETTY AND UNJUSTIFIED TO ME ).
Consumer complaint received 2022-02-19
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: Fidelity National Information Services, Inc. (FNIS) (FL)

On my ChexSystem report, there is an incorrect address. That incorrect address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. 

I never lived in hte state of New Jersey, Also the account in question is " PAID OFF, '' there fore it should bot be reported in the first place. 

When I asked XXXX XXXX about this - XXXX XXXX sent me a letter stating that they have no knowledge of the mentioned account.
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mid-Atlantic Finance Co., Inc. (FL)

On the date XX/XX/2019, I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through Mid Atlantic Finance. I'm the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$3500.00} exact but this dealership and Financial Institution gave me a total sale price of {$13000.00} ( see attachment for Exhibit A ). That is a total of {$10000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a ) ( 5 ) ( see attachment for Exhibit B ). Sadly this is fraud so this contract is now void.
Consumer complaint received 2022-02-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I submitted a idenity theft report regarding fraud on my Experian Credit report. I have reported this problem twice before to Experain and they failed to do a proper investigation and failed to remove the damaging fraud from my credit report while the investigion was to be done. 

The following account is fraudently reporting on my Credit Report and they have done NOTHING to remove it. 

XXXX XXXX XXXX  account # XXXX
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America Cash Rewards credit card was open in XXXX. Reward Terms are : At the time of redeem cash reward. If client is in the Preferred Rewards Program client can have XXXX XXXX XXXX XXXX add-on bonus which is true at XX/XX/XXXX I did redeem {$640.00} and got total of {$960.00} ( with extra XXXX XXXX add-on ) deposit in to my checking account. I have exit the Program on XX/XX/XXXX due to the terms are client only need to be enrolled at the time of redeem. I have called BOA on XX/XX/XXXX and got confirmation with BOA representative the cash reward redeem terms has not changed. Therefore I moved my funds ( $ XXXX ) back in to BOA account to enroll. On XX/XX/XXXX I try to redeem my reward. Talk to XXXX different representative. All of them told me no reward terms has been changed but now XXXX XXXX extra bonus is add on to each transaction. I told them that's not what I have sign up for. Also on XX/XX/XXXX the last representative have told me I'm qualified but somehow was not enrolled in the program very sorry about that. She will enroll me right away so I can receive XXXX XXXX add-on on every transaction moving forward. I ask what about my rewards bonus add-on from XX/XX/XXXX ( the last time I redeemed to now which is {$1200.00} ( XXXX XXXX  of base case reward of {$1600.00} ) she said there's nothing she can do. So a compliant was filled at XXXX XXXX XXXX on XX/XX/XXXX. XXXX  has given BOA XXXX day to solve this issue. XXXX XXXX XXXX XXXX XXXX XXXX team has got back to me on the XX/XX/XXXX ( the last day ) and email me the final letter and XX/XX/XXXX statement. The reply was no BOA cant give the add-on because a notice was sent with the XX/XX/XXXX ' statement. Which I have not received due to BOA has never sent to me at all back in XXXX. I feel BOA should honor their terms and give me my extra reward of {$1200.00} XX/XX/XXXX till now ( XXXX XXXX of reward on as of XX/XX/XXXX {$1600.00} ) due to XX/XX/XXXX I have gotten confirmation Reward Terms was not changed from BOA representative and notice of change of Reward Terms was never sent to me. 
I feel BOA is trying to cheat client by changing terms that are not properly inform to clients and confusing clients with their representative.