davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

I fully paid off my account and now have a credit balance of {$120.00}. On XX/XX/year>, I contacted the company to request a refund. The representative confirmed my credit balance and assured me that a check would be issued within XXXX business days. However, I have not received the check. I followed up on XX/XX/year>, this time using the automated phone tree to request the refund, but I still haven't received it. The {$120.00} credit is still showing on my account online.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (NM)

I requested Experian to adjust my credit history : A. They reported delinquencies that did not exist B. They refused to give me my annual report by claiming they couldn't verify my identity C. They listed same accounts multiple times ; with same account listed as delinquent in one report and non delinquent in the same report D. They kept my credit report less than XXXX for over 4 years E. Every time I call they're XXXX agents with limited English G. They promised to mail my report and still awaiting
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio (IL)

I have an account listed on my credit report from Vance and Huffman LLC. When I view my credit report the account is listed in collections and fails to state who the original creditor is. I had recently attempted to contact Vance and Hauffman to see who the original creditor is as its not showing that information on my credit report. The representative I spoke to with Vance snd Hauffman tell me that they no longer have the account and I would need to speak with someone from a different agency to verify the information and make payment etc. They give me the phone number to XXXX XXXX XXXX  and I contact them. After verifying the original creditor and me realizing the account is mine I make full payment to XXXX XXXX XXXX. The credit reports should have reflected accurate information. I want this account removed off my credit reports since I did pay in full.
Consumer complaint received 2023-09-18
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. (NC)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I keep getting calls from XXXX first the said I owed from XXXX almost XXXX after which I said I have no recollection of this cc ( I initially thought it was from XXXX which I have had a dispute with ) then they mentioned other debts I already called them before to explain this situation they started asking me many questions I was fearful this was so.e kind of fraud. I am poor on XXXX I survive on XXXX each month. I have only one cc which I don't use put pay a little on an old charge which is almost finished without issue I don't believe I owe this. Because I have limited income I can not pay for cc nor would I charge anything anymore since I am on ss
Consumer complaint received 2021-05-06
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... GENESIS CRDT ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I was contacted by Date : XX/XX/2023, XXXX XXXX  Central Time Applicant 's Name : XXXX XXXX Account # : XXXX Application # : XXXX Applicant 's Address : XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX Someone using my name and info was trying to apply for credit. BEFORE verifying these people, they did a credit check on my credit profile. They did NOT verify the person, they did NOT ask them to submit an ID of any sort. They are legally responsible for any financial issues or credit issues that arise from their failure to verify the person or persons prior to initiating a credit report.
Consumer complaint received 2023-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had a quick silver credit card with Capitalone. I cancelled my card with Capitalone in XXXX. I paid the outstanding balance in full without adjustment of reward money as advised by customer service rep. I was told that Capitalone will issue me a refund card for the reward money amount in 10 working days. It is now XXXX and capitalone still has not paid the reward amount I had earned. I have called the customer service to given a different answer everytime. Instead the company sent me a billing statement with what it owes me in XXXX. I don't want to call Capitalone anymore.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

Goldman Sachs, provided to CFPB falsified information on a prior request regarding it's noncompliance with making funding readily available within a five day period when deposited as cash. 

Goldman Sachs is not following it's own banking regulations and policy regarding making funds available for transfer to another bank within a 5 day period to account for holidays. 

The bank has chosen a ten day period. 

Gold Sachs and it's cohort Apple Pay and Apple corporation are not engaging in retaliation for filing the prior complaint as I was denied an apple pay with a XXXX credit score. 

I am XXXX  and that I believe is also part of the reason... 

Also please read prior response from Goldman Sachs to verify what I am saying is really true.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MA)

I have sent multiple requests through the secure message center to receive a paper statement and bill They continue to tell me that if I don't have a balance there will BE NO STATEMENT. The website says its available online but it is not. I NEED MY PAPER STATMENT FOR BANKING PURPOSES. I have requested the same by phone and I'm told they can send it it. NOTHING
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (FL)

This morning, I found unauthorized inquiries on my credit report without any explanation. I checked my report as usual, but this time, unexpected discrepancies appeared. I tried refreshing my browser to see if it was an error, but the inquiries remained. Therefore, I request that the documents Ive sent be reviewed thoroughly to resolve this issue permanently.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Inquiry : XXXX XXXX XX/XX/year> :
Consumer complaint received 2024-05-27
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. (MI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account I was in fact paid on time the consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (OH)

I noticed on my credit report recently that my account with Wells Fargo was closed with the notation " Closed by Consumer ''. I at no time elected to close this account. I also disputed this closure through both XXXX XXXX and XXXX, as my credit report now contains factually inaccurate information. The result of both disputes was the information was " correct ''. 

On XX/XX/24, XXXXXXXX XXXX XXXX XXXX ) I contacted Wells Fargo to see what was going on. I was told by " XXXX '' that my account was closed due to " inactivity '' on my account, which was allegedly contained in the credit agreement. I asked " XXXX '' how " closed due to inactivity per card agreement '' translates to " closed by consumer ''. " XXXX '' could not answer this question, so I asked for a supervisor. I was transferred to " XXXX ''. 

" XXXX '' told me the same thing. When I stated that I never closed the account, why is it being reported that it is " closed by the consumer, '' she told me, " That is just the way it is. '' At no time did Wells Fargo ever tell me that this account was in danger of closing, nor did offer to provide a copy of the credit agreement. In addition, as I mentioned earlier, I never requested that this account be closed. Therefore, I request that this inaccurate information be removed from my credit report.
Consumer complaint received 2023-11-15
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. (GA)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (PA)

I have an account on my credit report that I do not recognize and that does not belong to me, I believe this was the result of identity theft. The account is JPMCB Card opened XX/XX/2016 with a balance of {$510.00}. This account does not belong to me and I would like it completely removed from my credit report.
Consumer complaint received 2024-05-10
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. (TX)

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.

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 informationisinaccurate.
Consumer complaint received 2024-05-10
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. (TN)

I have filed an updated, newly added facts, which in my original FTC report of identity theft and fraud led to none of the CRAs, as directed under XXXX, to block this XXXX XXXX XXXX  account from my credit immediately under XXXX, FTC, and CFPB directives. XXXX XXXX failed to disclose to the CRAs that in XXXX of 2022, I notified XXXX XXXX XXXX Internal Fraud Department of identity theft and fraudulent charges and activities occurring under my name as holder of the account by XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. I left my wallet at the front desk, and when I returned, it was gone. A few days later, they stated it had been found. However, XXXX employees said they had copied all of my personal information along with XXXX other credit accounts. Within a week, I had fraudulent charges and made XXXX full reports with XXXX XXXX XXXX internal fraud department. My accounts listed under this FTC, CFPB identity theft and fraud reporting had grown dramatically, were constantly reported to XXXX XXXX investigators, and the hotel manager admitted to many of the fraudulent acts and transactions. This account should be deleted from my negative credit file, and by all CRAs immediately under FCRA.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I have had XXXX XXXX XXXXXXXX XXXX credit card since XXXX and always paid before due date of XXXX online. I received my monthly statement and I owed {$49.00} charged on XX/XX/XXXX and {$200.00} charged on XX/XX/XXXX due XX/XX/XXXX. I went online to pay bill and site said no account exists. 
I then remembered I received a letter in XXXX from XXXX XXXX XXXX  about a credit card so looked up the letter. I had not received any communication subsequent so forgot about it. Also no credit card. Letter said I would receive credit card and new statement no later than XX/XX/XXXX and if not received call XXXX. I did on XX/XX/XXXX, spoke to XXXX. Said he would mail me a new card and statement immediately and any late fees or charges will waived. I received nothing. On XX/XX/XXXX, I spoke to XXXX and she said she would mail me a new card and statement, not to worry about any fees or this affecting my credit. I'm worried about what this mess is going to ruin my credit. I can't pay them online because I don't have my account number which would be on a statement or credit card. You can't access their bank online or create an account without the account number which they won't give you on the phone. 
These calls to the XXXX number take 1-2 hours each and I just can't keep doing this and having at lease 3 new credit cards mailed to me that to date I have not received nor do I have a statement. 
The {$250.00} I owe was charged to the XXXX XXXX XXXXXXXX credit card but I can not pay them, only Comenity who will take a payment over the phone for an additional charge. I do not want to pay a bill over the phone with a company that hasn't performed any of their duties, sending me a credit card and/or a statement with a due date. 
All I want is to pay this bill and not have my credit rating affected.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank, part of XXXX  XXXX, has confirmed and acknowledged they have been unable to produce a customer statement for over two months due to a planned system update taking longer than expected. It has been over 2 months since this has been resolved, which by any means is longer than " temporary ''. Their inability to produce a formal statement in XX/XX/2022, and XX/XX/2022 to present any balances owed, fees, interest, etc. is unacceptable. I have attempted to reach out to the bank multiple times to obtain amounts and copies however, they only provide the below " canned '' response : From : Comenity Bank Sent : Tuesday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Statements Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. 
Please accept our apologies for any inconvenience you've experienced. 
Our website had been temporarily down due to a planned system update that had taken longer than expected to restore. You may not be able to review your recently generated statement on our website. 
If you have any questions, please click the reply button. 
Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I'm not receiving updated statements. The last viewable statement is from XXXX. Where are XXXX and XXXX?
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

I received a letter on XX/XX/2021 from XXXX XXXX XXXX XXXX stating that I owed PayPal Inc. a debt of {$1200.00}. I have never made a purchase of this amount using PayPal and I need this to be disputed. I do not have a PayPal account and I have never made one before.
Consumer complaint received 2023-06-15
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions. 

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.