davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. 

In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ).

a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports.

2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests.

Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX and other credit resources, my credit scores are hindered by at least XXXX XXXX
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX  {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6500.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00} ;
Consumer complaint received 2023-10-23
Product: Credit 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: U.S. BANCORP (NJ)

I filed a dispute against Elan Financial Credit Card Services and Fidelity Investments on XXXX XXXX XXXX through your organization, CFPB. Fidelity Investments employed Elan Financial Credit Card Services to manage their credit card and Elan responded and stated that they called me on XX/XX/. Elan never called me to resolve this dispute nor will they look at my documentation. I have attached my XXXX phone records to provide you with proof that they did not call. 

On XX/XX/2023, XXXX ( dispute supervisor at Elan ) stated that she would reopen the case if I could provide documentation that shows that there was a return policy at the time of my purchase on XX/XX/2023. In addition, I told XXXX that I had emails from the merchant, XXXX XXXX XXXX, that state they would take the product back and I stated I would get back to her. XXXX did not want to see the emails from the merchant. 

On XX/XX/2023, I called back and spoke to XXXX ( dispute supervisor at Elan ) and he stated that he will not open the case. I told him that I have emails from the merchant, XXXX XXXX XXXX stating they would return the product and documentation that demonstrates that at the time of checkout there was a return policy. 

Elan is unwilling to reopen the case and look at my documentation. I have recorded their phone calls and so has my third party investigation firm, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. We both have them on recorded lines wherein Elan states that they will not work with me to resolve this dispute by looking at my documentation. Elan can lie to you and state that they are willing to work with me but they are not willing to so. I would not be spending so much of my time filing complaints if they would look at my documentation. I am providing you with my XXXX XXXX XXXX phone records of XX/XX/2023 to demonstrate that Elan is lying and not calling me. They have no documentation to show that they evidence that they are working with me.
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I sent my check for payment in full to Comenity Bank for the bill due on XX/XX/XXXX. On XX/XX/XXXX I find out they never received my check. On XX/XX/XXXX I got the new bill with the past due amount and my new purchases and they added interest and service charges totaling {$3800.00}. I sent out the check for the full amount but decided to send it certfied mail through the USPS so that I could track it. Each day I would check to see if my balance went to XXXX. It still was the same outstanding amount after a week. I called them and they said that they had received nothing. I have tracking number XXXX. I checked with the USPS and it was delivered and available at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called Comenity and provided the info. ( a letter was sent XX/XX/XXXX even sent a copy of the certified mail receipt. They have done nothing but charge me more interest. I even spoke to a manager and have written letters and had several on line messages with dispute with no results. On XX/XX/XXXX I went to the bank to stop payment which cost me another {$35.00} and made a new online payment in full which now went up to {$3900.00}. So I paid them an extra {$60.00}. and had to pay {$35.00} to stop payment on the check. If I check their site they still have not updated my account. I want all interest and fees charged back and for them to update my account. I have an excellent payment history with them and should not be charged for their incompetence
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to Experian, XXXX, and XXXX that a thorough reinvestigation into these accounts is imperative. Account name : XXXX ACCT # XXXX Account name : XXXX ACCT # XXXX. When your credit report shows a late payment of 60 days for more than two months without a 30-day late payment being reported first, it may indicate a potential error in reporting or an oversight. Credit reporting agencies generally expect a 30-day late payment to be reported before a 60-day late payment.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It's still the same issue with Bank of America. 

They never helped me solve the situation. I already opened a complaint about them because of the way I was mistreated by their customer service. 

XXXX XXXX called me to help me with the issue and gave me a number to call. 

I called the number and they said they could do anything about my situation. 

I've called back to number XXXX extension XXXX and left a message to XXXX XXXX XXXX times and she never got back to me! 

So, still no help or effort from Bank of America to help me with my Financial issue, even me making much efforts to fix my debts with them. they really don't care!
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Hi, this is XXXX XXXX XXXX 

This is what happened someone applied for a credit card account in my name online. 
Equifax allowed someone to issue a Hard Inquiry on my credit report. I never applied online for a credit card account through XXXX. 

The lender that XXXX XXXX uses is XXXX XXXX I don't have an account with either or please inform these two institutions regarding this matter so I can move forward with my own life.
Consumer complaint received 2023-10-23
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. (GA)

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. 

Account Name : 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 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. Or list of inquiries 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 2023-10-23
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. (GA)

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. 

Account Name : 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 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. Or list of inquiries 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 2023-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I made payments on my loads during the COVID pause prior to them being transferred from XXXX to Mohela. I contacted Mohela to request a refund and this was processed and sent over to the treasury department on XX/XX/. It has been over the 90 business days that it typically takes to process these requests and I still have not received a refund and no way to track the status now that it has been sent to the DoT. My loans have since been forgiven.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2022-12-30
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. (KY)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} 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 2023-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

I opened an account with Wells Fargo in XX/XX/XXXX. The reason I opened the account was because they promised a {$300.00} promotional bonus for opening an account, and depositing {$1000.00} within 90 days. 

I have not received the bonus and called the wells fargo customer service on XX/XX/XXXX. The agent I spoke to kept asking me for details about the promotional bonus, and claimed not to be able to locate the offer on her end. Additionally, they claimed that the customer is responsible for proving that they had a promotional bonus on offer at account opening. They refused to provide any further details related to my account or the promotional bonus. 

I consider this to be FALSE ADVERTISING since the primary motivation for opening the account was a promotional bonus. I won't share my banking details in this form, but you or Wells Fargo can contact me directly with the information I provided.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS FRAUD ACCOUNT ASAP
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Biehl & Biehl, Inc (IL)

Back in XX/XX/2022, my company used XXXX XXXX per client request. After the shipment left our warehouse, we realized that the " BILL TO '' party was incorrect. The shipment should have been billed third party. XXXX XXXX  was contacted shortly after the freight left our warehouse to update the XXXX. XXXX XXXX confirmed we can update the XXXX  to reflect the correct " BILL TO '' party. XXXX XXXX  was sent the updated XXXX, they confirmed it was updated, and they provided us a case number confirming the communication : XXXX. Almost year later, we received a letter from a collection agency, BIEHL AND BIEHL INC, demanding the payment for this shipment. Turns out, XXXX XXXX  did not bill according to the updated XXXX despite confirming they would, and they sold the amount due for the freight to a collection agency : BIEHL AND BIEHL INC. The collection agency refused to dispute the debt owed despite the debt not being ours. The representative from BIEHL AND BIEHL INC falsely claimed that freight can not be re-billed. We explained to the representative that we have a case number and confirmation for XXXX XXXX of rebill. The representative said that was not a valid reason to dispute, and continued to falsely claim the debt belong to us despite XXXX XXXX confirming the shipment would be billed to the correct party. After disputing the debt, the representative told us that regardless we are responsible. She told us it doesn't matter who the freight should have been invoiced to because XXXX XXXX had already sold the debt to them. We are not responsible for this freight cost. Both BIEHL AND BIEHL INC and XXXX XXXX  has been written regarding this incident, and there has not been a response.
Consumer complaint received 2023-10-21
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: CBC Companies, Inc. (PA)

XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. 

I never received the credit card or credit card statements. 

XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to Innovis, XXXX, XXXX and XXXX. 

XX/XX/23 Contacted XXXX XXXX XXXX XXXX after contacting all XXXX credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 Contacted XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.
Consumer complaint received 2023-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX made an unauthorized credit inquiry on XX/XX/XXXX that is being reported on my Transunion credit report. I did not apply for credit with XXXX XXXX or otherwise authorize the enquiry. 
I have written to XXXX XXXX multiple times. They have acknowledged that the enquiry was not authorized and told me that they have contacted Transunion to have the enquiry removed, but the enquiry is still being reported by Transunion on my credit report as of XX/XX/XXXX. 
The unauthorized enquiry has caused and is causing me harm by lowering my credit score and increasing my costs for credit.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.