davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (VA)

Subject : Complaint Against Keys Jewelry Credit Card Company XXXX XXXX XXXX  ). 

Dear Sir/Madam, I am writing to express my deep frustration and concern regarding a recent experience I have had with Keys Jewelry ( XXXXXXXX XXXX XXXX XXXX a credit card company. I believe that I have fallen victim to a fraudulent charge, and I am seeking your assistance in resolving this matter. 

I have been a responsible cardholder with Keys Jewelry ( XXXX XXXX ) and have made consistent payments, staying on track with my financial obligations. I initially owed approximately {$6000.00} and made a substantial payment of {$5300.00}, leaving a balance of about {$700.00}. Following this, I diligently made monthly payments of {$100.00} to reduce this remaining balance. 

To my surprise, today, I received information from Keys Jewelry that my payments were supposed to be completed within 18 months. This was the first time I had ever heard of such a stipulation, and it was not disclosed to me at the outset, during the course of our agreement, or even at the end. The lack of upfront information and notification is deeply concerning and has caused me undue stress and financial hardship. 

Upon further investigation, I noticed that there had been an unexpected addition of over {$200.00} to my current payment balance when I checked my online account with Keys Jewelry. This alteration to my payment terms has put me in a precarious financial position, which I was not prepared for. 

Given the current state of the national economy and the challenges many individuals, including myself, are facing, I want to stress the gravity of this situation. I am a single mother, a XXXX and the sole provider for my XXXXXXXX son. The unexpected financial burden placed upon me by Keys Jewelry is causing me great distress and making it increasingly difficult for me to meet my financial responsibilities. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to address this fraudulent charge and the lack of transparency from Keys Jewelry. I hope that your intervention will help rectify the situation and prevent other individuals from falling victim to similar practices by this company. 

I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution. Please feel free to contact me at [ Your Email Address ] or [ Your Phone Number ] for any further information or clarification you may require. 

Thank you for your time and assistance in resolving this issue.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX : {$9700.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX : {$3600.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX : {$4200.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} - XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance XXXX {$4200.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$9700.00}
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I've found again that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance {$1700.00}
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I initiated a payment to the credit card from my savings account. I did not mean to pay from this account, but it was the default listed and I forgot to check. The payment amount I sent was {$220.00}. 

On XX/XX/XXXX, the payment was returned and I was charged {$220.00} to my credit card for this. 

I was then forced to pay {$490.00} total on XX/XX/XXXX to bring my account back up to date.
Consumer complaint received 2023-08-28
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand immediate and decisive action to rectify the ongoing situation! I have meticulously reviewed my credit report and uncovered a highly erroneous entry lurking within the collections section. I previously dispatched a letter to XXXX XXXX XXXX  XXXX requesting comprehensive validation of the purported debt linked to account # XXXX. An enclosed copy of this letter is provided for your reference. To date, I have not received substantial evidence that unequivocally proves my responsibility for this alleged debt. The documentation sent by them merely displays the balance, but nothing else. I possess no records indicating any debt owed to this company in the stated amount. Given the collection agency 's inability to furnish concrete evidence of my legal obligation to pay this disputed debt, I demand the immediate removal of this entry from my credit report. I require written confirmation of this deletion. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-02
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. (NJ)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-07-26
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I XX/XX/year>
Consumer complaint received 2024-03-19
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (CA)

I received a letter of settlement. I called and asked if the settlement offer was still available. My husband was a 100 % XXXX US Vet, service related because of agent XXXX exposure. He was in ICU for XXXX days and then died. I had not replied to the settlement letter originally because I was spending all my time trying to save my husband in the hospital or at the VA making sure benefits were filed properly. The person I spoke to said if I paid that settlement that day, then the debt would be settled. She wanted me bank info on the phone. I asked if I could do it online and she said yes. I went online and paid the full amount of the settlement. Then I received a legal summons- the process server was intimidating and threw - not handed - but threw the summons in my face. The summons made no mention of the settlement or the amount already paid. I immediately called the law firm. After being placed on hold again and again, I was told no payment was ever made, that I was not truthful and the only way to resolve this was to make the full payment - more than what was owed. I had a huge fight with this individual ( XXXX XXXX ) before he agreed that they had received a large portion. But then he proceeded to insist no settlement letter was ever sent to me and I never spoke to anyone at the firm. He again pressured me to pay, nothing would happen with the summons until they had the full amount. Finally, he agreed to honor the settlement. He should have been required to confirm this in writing. He said it would take XXXX days. Because I had nothing in writing I began calling after XXXX  days. No one returned the calls. I finally reached a human being who said he was only interested in debt collection, NOT answering my questions. This seems to be their XXXX to harass people to pay, without even confirming the amount or the circumstances. I then had to fight and fight again, first to confirm the debt was settled, then to confirm they had dismissed the summons. But I still have nothing in writing. They should be required to provide this same day by email if requested. Why should consumers have this threat hanging over them, and not know if this firm will behave legally, afterall, the first promise was not kept. There needs to be a higher standard that they are held to and in cases where they fail to meet business ethics, everything regarding the debt should be struck from the consumer credit report. Afterall, we can not keep this on their record for 7 years so they can get away with repeated bad acts. If corporations find out they have a bad record for 7 years it impacts their business. If you are willing to accept the concept for consumers, then apply the same when they do not act accordingly.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title 1 XXXX XXXX XXXX XXXX XXXX  Please Delete from my consumer report 2 XXXX XXXX XXXX PLEASE DELETE FROM MY CONSUMER REPORT 3 XXXX XXXX XXXXXXXX PLEASE DELETE LATE PAYMENTS FROM MY CONSUMER REPORT 4 XXXX XXXX XXXX  PLEASE REMOVE FROM MY CONSUMER REPORT 5 XXXX XXXX XXXX XXXXXXXX PLEASE DELETE LATE PAYMENTS FROM MY CONSUMER REPORT
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I did an investigation on my credit report and found some items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report. Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Cherry Creek Corporate, LLC (CO)

On XX/XX/XXXX, I recently got out of the military with nowhere to turn, no home, no job, nothing. My wife and I went to search for a home for our family and decided to go with XXXX XXXX  in XXXX as we used them for our first house in XXXX. First, they messed up our contract and had to redo it because they designed two homes the same, then they lied about our permits being pulled and blamed it on the district of XXXX. I went to XXXX and they had our permits ready to be picked up and paid for. Even after I went to the main office and gave them a piece of my mind, they kept coming up with excuses. They even had houses that weren't even prepped, up and ready before ours was even a thought. 

To add to that, their preferred lender Pentrust, and their employee XXXX XXXX lied and fabricated our loan application stating that as an XXXX XXXX XXXX with XXXX dependants, I was making {$90000.00} when I was nowhere near that amount in my previous position and title. I just recently got a position, however, as a XXXX XXXXXXXX, and my yearly calculated salary is XXXX. When I got out of the XXXX, my wife reached out the XXXX and tried to explain to him that I am no longer on XXXX XXXX and he never returned any of her calls, and when asked about it he denied it. 

When I confronted them on their lies, he kept telling me that I didn't qualify for the loan because of the VA regulation and that I was not making enough, when I in fact, called and spoke to the underwriter, and the Loan Processor at the VA and all parties said that it is not true what XXXX was saying. They even went on to say that they never laid eyes on our contract, and no appraisal was ever attempted. As a veteran of 15 years of service, XXXX deployments, with XXXX issues, bXXXX XXXX, XXXXXXXX XXXX, XXXX, and everything else under the sun, my family and I should never be treated like this. 

No veteran who paid their dues should ever get this mistreatment and they need to pay for their lies. We are living in a rental with the lease ending on the XXXX of XXXX and we have no home to go to because of them. We were truly depending on the completion of this house and now we have nothing. My XXXX has a birthday on the XXXX of XXXX and we have to hustle to find a house so she can spend her birthday. 
They need to feel what we are going through and they need to pay for their messup.