davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DC)

After a long ordeal of refiancing my home, my husband and I was able to pay off all of our consumer debit, including Comenity/ XXXX XXXX XXXX XXXX  Mastercard Credit Card XXXX or so I thought. The statement due XX/XX/2022 said that the balance, in full, was {$11000.00}. We were not due to close on our re-fi until XX/XX/2022, so I made a payment {$370.00} on XX/XX/2022, so that I could reduce my balance, avoid late fees, and keep my credit score good, so as not to affect our closing. The next statement, due XX/XX/2022, stated that the balance was {$11000.00}. Due to our lender obtaining amounts prior to me making a payment, they used the XXXX balance to write the pay-off check, in the amount of {$11000.00}. This was {$120.00}, over what the XXXX statement said was due. 

After closing, the pay-off check was received by us on XX/XX/2022 and immediately mailed to Comenity. Comenity received the check and posted it on XX/XX/2022. This was 9 days BEFORE the due date, so the payment was not late. It was my expectation, based on their own writing, in the bottom section of my statement, under the heading " Paying Interest. ", which states, " Your due date is at least 25 days after the close of each billing cycle. WE WILL NOT CHARGE YOU INTEREST ON PURCHASES IF YOU PAY YOUR BALANCE BY THE DUE DATE EACH MONTH ... '' that my balance would be paid in full and that I would have a {$120.00} credit on my account. As such I made two small purchases in the amounts of {$15.00} and {$20.00}, which still should have left a credit of {$92.00}. However, the next statement due XX/XX/2022, didn't show a credit, but said that I owed {$120.00}. They claimed it was " residual interest ''. When I challenged them, based on their own writing, they couldn't refute that the statement clearly says that they wouldn't charge interest. Instead they tried to gaslight me by saying that I should have paid it by the due date. When I pointed out that it was not only paid by the due date, but paid almost 10 days in advance, with an overpayment of the actual balance, they refused to refund my account. I sent messages through the online messaging and spoke with three different people, all the way up to the accounting department. They just kept rehearsing the same script about " residual intererst '' and refused to make the correction. I, even, requested a detailed accounting of the formula they use to compute interest and was told that it would be mailed to me, but of course, it never was. 

Furthermore, after reviewing my account and awards, I realize that their math has been fuzing in how they calculate my cashback awards, and that my awards balance should have been higher.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

I have XXXX separate student loans through Aidvantage. I turned on autopay before the billing date of both loans and somehow it keeps being deactivated by someone other than me. Additionally, I use the " Pay Now '' feature in attempt to pay the loan directly and after a couple days of processing it says " Reverse Billing '' and claims that the amount was never paid. I have the means to make the payment but it appears like they are trying to intentionally incur late fees on my behalf after I have tried multiple times to make the payment well ahead of scheduled due dates.
Consumer complaint received 2024-09-23
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-04
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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.
Consumer complaint received 2022-05-04
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX Balance : {$170.00}
Consumer complaint received 2023-03-21
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. (LA)

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. 
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 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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-24
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. (MS)

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 : XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX 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 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 c
rimes 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 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the report active is inaccurate, and date last reported is inaccurate. This ground for removal also violated my rights under.

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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2024-09-24
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. (NY)

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 XXXX XXXX  : # XXXX, Account XXXX XXXX : XXXX, Account 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.

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 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Sezzle Inc. (GA)

XX/XX/XXXX I used an app called Sezzle to pay for an item. When I hit pay I immediately received a email and a text message that said the transaction declined due to vendor being located outside of the country. I figured alright, I will just order from somewhere else. 1 week goes by and i contact them about the transaction being on my account still and payments for it still scheduled to be taken out of my bank account. They provided no information of any value. I was first told it was a glitch and give it a few days. After two weeks I called again and the same thing happened, but this time it happened after I sent them screen shots of the email I received and the text message I received clearly stating the transaction was declined. They also asked me to send screenshots from the website the product was ordered from to show them there was no activity and I sent XXXX pictures of each section clearly showing them nothing was ordered, sent, or coming at any time. After all the screen shots I just got silence repetitive answers. 


Sorry if this is long, I then called my bank and filed a fraud claim that the lady from XXXX  XXXX XXXX said I should do. Fraud claim people then tell me it isnt fraud and I need to file a dispute, in the meanwhile I put a stop on the transaction and this company Sezzle charges another transaction to get around the stoppage. Fraud isnt done with claim but the way the lady spoke I doubt they will help even after I offered all the evidence that clearly shows it was declined, it doesnt exist, and if it does I dont want it because I ordered what i needed elsewhere right after. Im a simple man, you tell me its declined, thats fine, you make the rules, but dont tell me oh well in fact it wasnt and also we sent e-mails the same time we sent the declined email, because they infect didnt send any email stating the transaction went through and Ive checked thoroughly, they also wont provide me with actual proof of the so called email with timestamp and rest of info.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

Cancelled GAP Warranty on XX/XX/2023. Cancellation confirmed with XXXX XXXX - XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. 

Cancellation request was for the following : Make : XXXX Model : XXXX VIN : XXXX Current Miles : XXXX XXXX confirmed XXXX amount of refund is {$970.00}. 

XXXX issued the check ( check number XXXX ) to Truist bank on XX/XX/2023. 

Truist bank cashed on XX/XX/2023. 

I have called Truist bank multiple times per week since XX/XX/2023. On XX/XX/2023 Truist informed me they could not find the check that XXXX XXXX sent them and they had no way to find it. I was instructed to wait another XXXX to XXXX business days to follow up. I called the following week and was again informed from Truist that they had no record of the check being cashed or sent by XXXX XXXX. 

On XX/XX/2023, I called Truist again and was told by Truist that they still could not find my money and that I need to submit a lost payment to XXXX. I sent the email with copy of the check showing the deposit by Truist bank and I sent them a copy of the confirmation of cancellation. 

On XX/XX/2023, I called Truist again and I was told they have found my money but can not issue me payment due to their system integration and they had no ability to issue refund checks at this time.I called Truist local branch XXXX XXXX Texas at XXXX and talked to the bank XXXX. He told me he was not able to issue me funds as they do not process refunds at there branch.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On Friday, XX/XX/year> at around XXXX XXXX, I called the Truist consumer XXXX  ( XXXX ) for an error regarding adding external accounts to transfer funds into and out of my Truist checking account. I have had this problem for over a year. I call and no one can ever give me a reason why a crucial part of their system doesn't work for me. I attempt to add banks in order to have as external transfer accounts and it always say the routing number is invalid. It is 3 different types of banks, so it is virtually impossible that all 3 would be invalid. On this call, they told me to try the website. I told them it didn't work. They said to try the mobile app. Same thing, I told them it didn't work. He said he would leave a note and that they could call me back but it has been a month and now callback. I have no issue with any of the sevwral other banks I use, only truist prohibits me from adding external transfer accounts.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2022-05-04
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. (AR)

I AM A VICTIM OF IDENTITY THEFT, VIA THE XXXX SECURITY BREACH AS WELL AS XXXX XXXX BREACH AND PERSONAL IDENTIFICATION DOCUMENT THEFT. I HAVE RECIEVED THE FOLLOWING ITEMS ON MY CREDIT REPORT THAT NEED TO BE REMOVED TO CORRECT MY REPORT PER SECTION 605B. HERE IS NO NEED FOR A REINVESTIGATION AS I HAVE PROVIDED LEGAL PROOF AND A NOTHER INVESTIGATION CAN'T DISPROVE FACTS XXXX, EXPERIAN AND XXXX XXXX, PLEASE REMOVE THE FOLLOWING ITEMS ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
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. (NC)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2023-11-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have XXXX inquires on my XXXX credit report that I do not know anything about I have report this to the XXXX credit company and there is know action taken place my wallet was lost by XXXX XXXX XXXX police department and my information was taken by somebody and it has been use still today their useing my identity
Consumer complaint received 2024-09-24
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. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (MS)

I received several emails from Synchrony Bank on XX/XX/19 regarding trial deposits & action required on your application ; I had not opened a new account with them so I was suspicious. I logged into my account & was able to do so but the account balances would not load ( just kept cycling " loading '' ). My co-worker has an account with them as well & the same thing is happening with her account. 

I called the main number ( XXXX ) but received an automated message saying call back during business hours ( it was during business hours ). 

I also called the credit card side of the company & was told those emails were sent out " by mistake '' but could not get any additional information.
Consumer complaint received 2023-06-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I received a letter from my home Insurance company that the insurance was not paid by the mortgage company and therefore my Insurance was cancelled, XXXX took over the mortgage on XX/XX/XXXX and failed to make a payment before XX/XX/XXXX, My current Insurance company no longer operates in California so they will not renew the insurance, My new insurance will now be XXXX an increase of over XXXX from my previous insurance which was XXXX a year