davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I have set up Autopay with Comenity Capital bank on the XXXX credit card. It should draft my bank account each month on the XXXX. It never worked. And I got charged for fees and interest charge almost around {$100.00}. I have been calling every single month to see why this happened and when it can be fixed. They never provided a direct answer. And never got anything from the technology team. What is even more frustrating is, they asked me to unenroll autopay and re-enroll. I don't think it makes sense since there is an apparent bug in the system not drafting autopay correctly. 

There are so many issues with Comenity bank and CFPB should consider opening a consent order to look into their practices!
Consumer complaint received 2023-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

DELL Computers issued me a credit memo of {$99.00} for services they originally charged meme for in XX/XX/2023. The initial charge was placed on my DELL Credit Card which is managed by Comenity Capital Bank. Comenity Bank has been harassing me for over 4 months for payments. Also, Comenity Bank has been reporting derogatory credit information to the Credit Bureaus which has now cause my score to drop significantly whereas I can not get a loan. DELL Computers has sent the credit memo through their system 2 times to Comenity. The second time I had DELL Computers copy me on the credit memo. I called Comenity and gave them all of the information on the credit memo several times. I could Not get any Comenity Bank supervisors or managers in several departments to take action to resolve this matter. I disputed this matter with XXXX, but they said it was not their responsibility to validate data coming from the reporting Institutions they deal with. 
This leaves me no choice but to come to the CFPB for HELP and to seek legal action against Comenity Capital Bank. I need this matter resolved quickly for I can not move forward with my financial plans.
Consumer complaint received 2024-04-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (AZ)

i recieved several title loans and the amount payed back greatly succeeds the amount borrowed and on one loan that i paid off i never recieved my title back, unfortunately truck was stolen so i gave up on it.
Consumer complaint received 2024-04-12
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (NY)

New York & Co. Acct Ending # XXXX I am writing because I made several unsuccessful attempts to contact New York & Co regarding ordeXXXX # XXXX that was placed on XXXX XXXX, 2024. I reached out to the business multiple times via phone and email because the XXXX XXXX XXXX XXXX and XXXX XXXX Boots that were ordered was received with damages. Some of the earrings in the XXXX XXXX XXXX XXXX are broken and the zipper on the right foot of the XXXX XXXX XXXX is damaged. The phone number that is listed on the company 's website does not allow you to speak to a XXXX. You are placed on hold for a while and then receive a message asking you to leave your name and contact number and someone will return your call. Unfortunately, the company has not returned my calls. In addition, I contacted Comenity/Bread Bank to obtain the contact number for New York & Co and the number I was given is not in service. I received a " Undeliverable Message '' for the emails I sent. In addition, I seeked the assistance of another outlet to resolve this matter, but they to, did not receive a response from New York and Company. 
It is not fair to have the consumer pay for items that are damaged and/or broken. I want to return the XXXX XXXX XXXX XXXX and XXXX XXXX boot and have the billing for this order adjusted.
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (NY)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Orions Management Group, LLC (NJ)

This company has the wrong amount owed on my credit report but in this CFPB complaint and letter response they say I owe XXXX thats not the amount on my report. My report states XXXX. So whats the amount you claim I owe. It cant be both.
Consumer complaint received 2024-04-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc (IL)

Upon checking why I was charged this much after moving out, the letter states they charged me for bugs??? When all the cabinets were infected with termites and little black bugs that eats up wood. The apartments are very old ( this is unacceptable ). They also charged me for rodents when I never had a rodent issue?
Consumer complaint received 2023-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (MI)

The auto loan with Chase Auto Finance was refinanced by XXXX. Chase Auto Finance sent a lien release and loan paid letter and claimed they mailed the vehicle title to XXXX but refuse to provide any tracking information for the same or check with the carrier. It's been more than a month since the loan with Chase Auto Finance was paid off but XXXX is yet to receive the vehicle title and this is causing issues with refinance.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am sending my complaint to notify you about the wrongdoing of the 3 credit bureaus. They are violating the FCRA Law by reporting the inaccurate information. The fact is, it was really affects my financial standing. The Bureaus are required to remove the items, but they failed to remove. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (FL)

On XX/XX/2023 I filed a law suit against M & T Bank in the United States District Court For the XXXX XXXX XXXX Florida XXXX XXXX which it's still in dispute and litigation. M & T Bank are reporting negatively on my credit report while in litigation which is in violation of Federal Credit Reporting Act.
Consumer complaint received 2024-04-18
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: JPMORGAN CHASE & CO. (FL)

Yet again I have submitted disputes to Chase and they simply ignore them. I filled out the online form, got a confirmation of submission of the disputes and then weeks later it is as if nothing happened. 

They continue to attempt to charge me for illegal transactions. They often cancel my card without request stranding me abroad with no way to purchase goods and services. Resolutions require lengthy multi hour phone calls and days waiting for a replacement card for no reason. 

There is no reason to cancel my card because a merchant failed to refund me for returned goods or services never delivered. I have never reported my card lost or stolen yet JP Morgan Chase cancels it anyway. It's as if it's in retaliation for filing complaints against them. Worst company in the world! 

Sunglasses Costanera Cent {$310.00} - the product was returned. Total refund is due. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$360.00} - this is a scam in the country of XXXX where they added an extra XXXX to the charge. 90 % is not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} - this is a scam in the country of XXXX where they added an extra XXXX to the charge. 90 % is not authorized. 

XXXX XXXX {$53.00} - the company revoked my access to the goods/services purchased. Full dispute. No consideration was provided for the charge.
Consumer complaint received 2024-04-12
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. (MA)

I have debts and credit cards and a light bill from XXXX XXXX a credit card from XXXX and a card from XXXX that arent mine on my report XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX Account numberXXXX XXXXXXXX XXXX Account numberXXXX XXXXXXXX XXXX  Account number XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

There is a company that I have never heard of or heard from ( Not by phone, mail or email ) that put a collections on my credit report stating they are collecting for XXXX as of XXXX. I do not have XXXX and have not had XXXX for over 8 years. I have never received any collections from XXXX. This company did not follow the fair credit reporting act. When I disputed it with XXXX they stated they investigated it which was false as there is no documentation of this debt or any communication provided to me. The company is called Transworld Systems INC the amount is {$910.00}
Consumer complaint received 2024-03-18
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. (NJ)

There is a company that I have never heard of or heard from ( Not by phone, mail or email ) that put a collections on my credit report stating they are collecting for XXXX as of XXXX. I do not have XXXX and have not had XXXX for over 8 years. I have never received any collections from XXXX. This company did not follow the fair credit reporting act. When I disputed it with XXXX they stated they investigated it which was false as there is no documentation of this debt or any communication provided to me. The company is called XXXX XXXX XXXX the amount is {$910.00}. So I would love to know how the account and information of me owing this debt was verified.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (MS)

I HAVE REPEATEDLY CONTACTED EXPERIAN CREDIT BUREAU REQUESTING THEY " PERSONALLY " CONTACT XXXX XXXX XXXX  BY PHONE. 
I HAVE SPOKE WITH 3 EMPLOYEES OF XXXX XXXX  WHO VERBALLY VERIFIED MY PAYOFF ON XXXX XXXX XXXX 
THEY SENT ME A EMAIL ALSO. 
.. BUT AFTER ( at least ) THREE ( 3 ) ATTEMPTS TALKING WITH SOMEONE AT EXPERIAN AND SUBMITTING COMPLAINTS ; THEY STILL REAFFIRMED THE NEGATIVE AND INACCURATE INFORMATION ON MY CREDIT REPORT. 
I NOW HAVE THE TITLE TO MY VEHICLE WITH XXXX XXXX XXXX AS THE RELEASE DATE. 
I AM XXXX WITH XXXXXXXX XXXX  AND THIS HAS TRIGGERED MY XXXX REPEATEDLY RESULTING IN ME BECOMING XXXX
Consumer complaint received 2023-09-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc. (NJ)

I am not paying this bill I have insurance and it should have covered it. I am about to have my first baby and I do not have the funds. This also violates hippa, my medical bills were released to a different company.. my husband is a lawyer.
Consumer complaint received 2024-02-14
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I have an American Express gift card that keeps getting decline when I make purchases online. I have a lot of funds and can not purchase things on sites that I want to. When I called Amex the rep could not help me and would not send me a check to refund what is left on card. For instance, I was trying to make a purchase on XXXX XXXX and it got declined. He said it was for security reasons. Would not let me know anything else and just said tried using it elsewhere. I asked if there are sites that are blocked and he told me no. Yet this was the fourth purchase on a site I was trying to make that the card was declined. I asked to speak to a manager and he put me on hold and no one ever came on the phone after five minutes so I hung up. I called back and another rep told me the same thing except that he will do something where if I try in 24 hours to purchase on XXXX XXXX the transaction should go through. I tried again and it was declined. What is the purpose of a gift card if I cant use it online. Also this is a gift card so I cant use it in person unless the store has tap and pay and can use it from XXXXXXXX XXXX. I am beyond frustrated
Consumer complaint received 2024-03-21
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)

I am victim of identity theft and someone used my personal information to obtain this fraudulent account in my name with out my permission. I did not benefit from any goods or services of this fraudulent account. I am requesting for Equifax to remove and delete this fraudulent account immediately from my credit report. I have attached a copy my police report. Equifax has XXXX days to block and remove this fraudulent account under FCRA 605B or legal actions will be taken against your company. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION (OH)

Our loan service provider was switched to XXXX. I was informed in XXXX that our XX/XX/scrub>XXXX XXXX  taxes were past due. I reached out to PenFed in XXXX and they assured me that they would take care of it. In XXXX a tax lien was sold against the property. The total amount due is far more than we thought we would be paying and I don't know how to proceed. I've been told that the tax department at PenFed does not have any way for me to talk to them. I feel like I am losing my property because my mortgage loan servicer will not pay my taxes.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have called XXXX XXXX on multiple occasions. They have denied my credit limit increase and cant even explain the reason why. On the letter it says A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. Which I dont understand what that means and called and spoke with a rep and supervisor and they could not explain either! I make XXXX a year with a credit score of XXXX. It should be no reason my credit limit cant be more than {$600.00}. I also bring my card to a balance of XXXX  every 2 weeks. So I pay on this card twice a month in full. No late payment charges. I have been with this company for almost 10yrs now. When doing the credit increase it said it takes days for the report to come back and mine came back within hours like its an automatic rejection. This company is treating me unfair as a consumer with no legit reason of why and cant explain why.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently I've submitted a dispute letter to XXXX asking them to update and remove anything that's reporting inaccurate to my consumer report. They responded with a letter stating that they don't believe I sent in the dispute letter. This complaint from me contains my dispute letter that I would like Transunion to investigate.