davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Bread Financial Holdings, Inc. (WI)

Victoria secrets, Commenity Bank, my card was compromised and used settled with the Bank they agreed to move negative mark off my XXXX credit report and now they wont take my calls and say they cant find my account this was from XXXX of 2019 going on the 6 year mark. Trying to buy a house in good faith would really like some help with this. Thank you
Consumer complaint received 2023-10-12
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. (FL)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I attempted to redeem some points with my Chase Sapphire account using the Pay Yourself Back option that should entitle my points to get an additional 25 % redemption value if your purchases were in a qualifying category. During the redemption process, it only listed categories that are eligible for the Pay Yourself back. My redemption was for Grocery Store purchase. 

The 3 categories at the time of my redemption were Grocery Stores Gas Stations Select Charities. 

When I completed the transaction, it only gave me a redemption at the regular rate. I followed up with Chase and they incorrectly told me that Select Charities were applicable. I submitted a follow up with a screenshot of the options and have not heard back. Attached please find a screenshot of the categories currently in force until XX/XX/2023 and were also in effect at the time of my redemption.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (PA)

XX/XX/23 Open checking account on line with Trusit. Deposited {$50.00}. Set up my direct deposit with OPM.

In the days following I Received a few emails welcome me to Trusit. 
Received a debit card. 
Received a statement from Trusit dated XX/XX/23 showing my {$50.00} deposit. 
XX/XX/23 Try to get on line to my account. 
I contacted customer service- I was told my account was closed. I asked for a reason- no one would give me one. 
My pension was to be deposited into the account on XX/XX/23. 
On XX/XX/23 went to Trusit branch - manager said nothing she could do. I cant open account with them. Again no reason was given. 
Its XX/XX/23 I still havent received my pension. 
The bank has caused me much anguish and distress. My mortgage is due and I dont have the money to pay. 
Please help me.
Consumer complaint received 2024-01-16
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. (PA)

I am writing to dispute the accuracy of the information listed on my credit report that was issued by the 3 credit consulting agency. According to my review of the credit report, there are several items that are factually incorrect and need to be corrected as soon as possible. 

A previous investigation does not satisfy the fact that your issued reports shows a lot of contrary details from among credit bureaus on these mentioned accounts below : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] Thus, I am requesting that you must remove or correct the information from my credit report as soon as possible.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

I am enrolled in the PSLF/ TEPSLF teacher loan forgiveness program. 
Mohela is my loan servicer. 

I have provided documentation that I have taught in an authorized teaching position since XX/XX/XXXX. I should have received forgiveness in XX/XX/XXXX. 

There are 2 years missing in their payment counts ; from XX/XX/XXXX until XX/XX/XXXX. 
I have asked numerous times for someone to look at these months and explain why they aren't counted, yet I can not get MOHELA to explain why they aren't counting these missing 2 years. 
I have requested for XXXX years for them to include these months in my payment tracker, or explain why these payments won't count. They continue to say they will look into it, and then nothing happens. 
Federal Student Aid has verified that these payments should count. 

Could someone please help me get this resolved?
Consumer complaint received 2024-05-30
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: BARCLAYS BANK DELAWARE (GA)

Reference my XX/XX/XXXX statement for XXXX XXXX XXXX ( Barclays Bank ) ; I was charged with a Balance Transfer ( XXXX XX/XX/XXXX ) by XXXX XXXX XXXX for {$5000.00} and a Balance Transfer Fee of {$250.00}. On XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I called XXXX to dispute the charges as FRAUDULENT. Finally, the Fraudulent Security Team ( XXXX ) to me that they would have the account corrected and issue me a new card. I did receive a new card in the mail and a new statement with $ XXXX balance. On XXXX XX/XX/XXXX, I received a letter from Barclays stating that my account was closed due to suspicious activity and that I would not held responsible for any activity confirmed fraudulent. With my new card, I received a statement balance of {$4900.00} dated XXXX XX/XX/XXXX and a Balance Transfer fee of {$190.00} for new charge on XXXX XXXX XXXX. I forwarded a dispute letter by Certified Mail on XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC (MA)

To comply with the request under 15 U.S.C. 1681i, a consumer reporting agency must follow specific steps to ensure the accuracy and completeness of information. Here 's a breakdown of the process : 1. **Initiating the Investigation : ** - Upon receiving a consumer 's request for verification, the agency initiates an investigation into the disputed information.

- The agency sends notice of the dispute to the furnisher of the information ( the business that provided the disputed data ).

2. **Gathering Information : ** - The furnisher must investigate and report back to the agency with the results.

- The agency verifies the accuracy and completeness of the information based on the furnisher 's response.

3. **Description of Verification Procedures : ** - The agency provides a detailed description of the procedures used to determine the accuracy and completeness of the information. This includes : - The business name and address of the furnisher of information contacted. 
- The telephone number of the furnisher, if reasonably available.

4. **Reporting to the Consumer : ** - The agency must provide this description to the consumer within 15 days after receiving the request.

- This report should include : - The steps taken to verify the accuracy of the information.

- The response from the furnisher.

- Any updates or corrections made to the consumer 's report based on the investigation.

5. **Updating the Consumer Report : ** - If the disputed information is found to be inaccurate or incomplete, the agency must update the consumer 's report accordingly. 
- The consumer is then notified of the changes made. 

For the specific request in your case, the agency would need to : - Confirm the initiation date of the investigation. 
- Detail the steps taken to verify the {$3900.00} debt amount. 
- Provide contact details for the furnisher of this debt information. 
- Report any updates or corrections made based on the investigation findings. 

This ensures transparency and compliance with the Fair Credit Reporting Act ( FCRA ), providing consumers with a clear understanding of how their credit information is handled and verified. 
They are making false representations by using another collection company to try to collect an alleged debt. 

In this letter they sent me, they allege that I owe XXXX XXXX XXXX, which is totally false and that they are trying to collect a balance that does not even exist because I do not have any agreement with any of these companies. I have written and communicated with them regarding this account and they continue to defame me and threaten to take me to court, violating my rights.
Consumer complaint received 2024-01-16
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. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

I had an unauthorized transaction transferred from my personal bank account and then sent to an unknown persons account through cashapp on XX/XX/XXXX around XXXX XXXX  in the amount of {$3000.00}. I am very upset as I need this money for bills and rent that is due in 5 days. The transaction was completely unauthorized and I was unaware of the transaction. I am requesting a full refund or dispute to be resolved.
Consumer complaint received 2024-01-16
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)

Dear Madam/Sir, I hope this time you will be able to help me remove these 2 remaining inaccuracies on my credit report. I have reported these erroneous reporting for numerous times and nothing happens. They would declare that it were all verified but they have a very confusing and different narrative of information especially on the ( 1 ) date of last active, ( 2 ) account details or type, ( 3 ) date of payment, as well as on the ( 4 ) Two-year payment history.

Due to these inconsistencies and big disparity of details from you to another credit bureaus, I would like to assert my stance to have these inaccurate accounts be REMOVED on my credit report.
Consumer complaint received 2024-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Subject : Dispute and Request for Resolution Regarding Unauthorized Credit Reporting Dear XXXX XXXX XXXX XXXX, I am writing to address a serious matter concerning the unauthorized reporting of an item on my credit report, which appears to be in violation of both federal and Alabama state laws, particularly those pertaining to consumer consent. 

I want to emphasize that, even in the event of a permissible purpose, the consumers consent is indispensable. I explicitly deny providing consent for the reporting of the mentioned item, making the unauthorized reporting a breach of my privacy rights and constituting identity fraud, as stipulated in 15 USC 1681a ( 2 ) ( A ) ( I ).

Alabama Code Section 8-6-19 reinforces the requirement for explicit consumer consent, making any unauthorized reporting a violation of state law. Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) imposes a duty on furnishers of information to ensure the accuracy of the information provided to credit reporting agencies and requires obtaining consumer consent.

Additionally, I have not received proper debt validation, indicating potential bad business practices. According to Alabama Code Section 8-8-17, proper debt validation is a requirement, and the absence of such validation constitutes a violation of my rights under state law. This aligns with 15 USC 1681g ( a ) ( 1 ), which mandates that consumers have the right to request and receive validation of debts and provides that the consumers consent is required for certain disclosures.

Upon careful examination of my credit report, I discovered discrepancies in the amount owed across all three major credit bureaus, leading to a misrepresentation of the debt. Alabama Code Section 8-8-18 addresses misrepresentations of this nature, and 15 USC 1681i ( a ) reinforces the consumers right to dispute inaccurate information, ensuring that any corrections made are with the consumers consent. 

I urgently request the immediate removal of this unauthorized and unverifiable item from my credit report, as it is adversely affecting my creditworthiness. The lack of my consent for the presence of this item makes it unverifiable, and its continued presence tarnishes my credit. I expect this matter to be resolved promptly to mitigate any further damage to my credit standing. 

I anticipate your prompt attention to this matter and request a detailed response outlining the steps taken to remove the unauthorized item from my credit report.
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

On XX/XX/year> at XXXX XXXX, I attempted to purchase a Better XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX an online store. After completing the process, I received an email from paypal that this triggered a reoccurring payment to the vendor of the chair weekly. I immediately canceled the transaction and removed my card information. I then contacted cash app once the transaction posted to initiate a dispute. The dispute was denied due to evidence however, I have not received the evidence that was used to deny the dispute.
Consumer complaint received 2024-05-27
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: Bread Financial Holdings, Inc. (TX)

I have had this credit card for 8 months, and I have spent over {$40000.00} on various business expenses related to my work travels. Given the frequent need for car rentals, hotel bookings, and meals while on the road, it would greatly benefit me to have a higher credit limit. Having a convenient credit card with an increased limit would allow me to manage my expenses more efficiently and eliminate the need for frequent credit limit adjustments. I take pride in my timely payments and have never been late on any payment so far, which further supports my request for a credit increase.
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

The debt was paid. The DR office returned XXXX XXXX Commenity Capital Bank XX/XX/2023. After that date, Commenity Capital Bank called me at all hours of the day and night harassing me for an extra {$500.00}. I paid them to stop them from calling me. My dentist office said I did not need to pay them as they were FULLY refunded. They got {$500.00} extra out of me so I am disputing this with my bank. Commenity is still calling me saying that I owe them {$22.00} more dollars on an account that has been closed over a month now.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (OK)

I tried calling and kept getting hung up on. An account was opened based on my XXXX and XXXX account, for Bank XXXXXXXX XXXX. It reads I have a {$230.00} balance on a card with a {$300.00} limit. I have no recollection of this account. It reads it is a Milestone MasterCard opened on XX/XX/2022.
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (FL)

I have received a large volume of calls, which I have refused to answer due to the stressful nature of my situation, and to being either asleep or working during. As I didn't answer them, I don't expect them to know my schedule, but they have repeatedly violated ftc guidelines for maximum number of calls in a 7 day period m, and have tried to conceal this fact by using private numbers, and/ spoofing to get me to answer. Due to the nature of their tactics, I am unable to ascertain whether the malfactor is XXXX  XXXX XXXX, discover, or both. I dont believe it'd be difficult to find out which one has been using these tactics. Regardless, one or both of these corporations has blatantly ignored federal guidelines.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Also, I was never late. I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attachedXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$25.00}.
Consumer complaint received 2024-01-16
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. (MS)

I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX  XXXX  account number XXXX, XXXX  XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX please delete these accounts immediately
Consumer complaint received 2024-01-16
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC (TX)

Company keeps sending letters in mail and calling me for a debt. This debt is from XXXX XXXX XXXX XXXX and was disputed due to balance billing, and charging me XXXX more than the EOB from Insurance ( including the downpayment, see date of downpayment XX/XX/22 ). I requested the itemized invoice now 4 times and have not received it. XXXX XXXX XXXX XXXX XXXX has now sold the debt to a collector instead of resolving the problem with me and now the collector wont leave me alone. At this point its been over 18 months since the claim was made to insurance and even if I got the paperwork I dont think insurance will fix it since its been so long. If I had received the paperwork within the 30days required by law, I would have been able to get it fixed.
Consumer complaint received 2024-05-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (TX)

I am not liable for this depth with XXXX XXXX XXXX. I do not have any account with MARS Inc, the collection agency that is trying to collect on this debt. I have never entered into any contract or done any business with MARS Inc. 
Account # XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (AL)

THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH XXXX, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS JEFFERSON CAPITAL {$1100.00}, AND XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS