davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (VA)

Comenity Bank/CompanyStore changed status of this account on credit bureau reporting. This account was closed and cancelled back in XX/XX/XXXX.

XX/XX/XXXX credit bureau report has changed the running status from XX/XX/XXXX-XX/XX/XXXX to show ND and OK. The closed date has been unauthorized to move to XX/XX/XXXX.

ACCOUNT was closed in XX/XX/XXXX by consumer. 

Report the account accurately.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FISERV INC. (NY)

In my initial complaint about this company, trs recovery services, I stated I never want this company to call me again OR mail me anything ever again and ONLY email me. I even emailed them stating the same thing and then they continue to mail me documents. This is now harassment. TRS is known for this.
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (NJ)

The Avant Mastercard has, since XX/XX/XXXX, been facilitating unauthorized charges on my account. After patiently awaiting a resolution for several months, I initiated contact regarding one of the listed charges using the provided phone number on my statement, as I did not authorize any of these charges. During this communication, I spoke with a person identified as " XXXX XXXX, '' who claimed to be the manager of the Fraud Department at a company called Factory Gadgets Direct. This company initiated a subscription resulting in charges processed under various names, including XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

In a respectful manner, I requested that XXXX XXXX reverse these charges on her end and cease further charges to my account. However, she outright refused. XXXX asserted that she had evidence supporting my involvement in these charges. When I requested a copy of this evidence to be emailed to me, she mysteriously claimed not to have my email. Despite providing my email address during the conversation, I never received any documentation. Despite diligent checking, including my spam folder, no such documentation was sent. This situation strongly suggests the dubious nature of the operation, and subsequent attempts to contact the provided phone numbers proved unsuccessful. 

Compounding the issue, after a year-long purported investigation, Avant sent a letter asserting the validity of the charges and indicated their intention to continue processing charges from the various businesses associated with " XXXXXXXX XXXX XXXXXXXX. '' I urgently seek assistance to compel Avant to close my account to halt the ongoing fraud. Should this not be addressed promptly, legal action against Avant may become necessary. Despite my repeated requests, Avant has disregarded my plea to provide evidence supporting the purported charges. 

It is noteworthy that I encountered similar instances of fraud with other XXXX accounts associated with XXXX XXXX and XXXX XXXX XXXX XXXX. In both cases, those companies promptly closed the affected accounts, reversed the charges, and addressed any associated fees related to the fraudulent activities. In stark contrast, Avant has thus far refused to take similar corrective actions. 

This identity theft incident has been a nightmare overall. Additionally, I was alerted to another data breach incident at the XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, where my personal information in my XXXX  record was accessed due to a DOE employee 's mistake. As compensation, the XXXX XXXX XXXX XXXX provided me with 2 years of free credit monitoring and identity theft monitoring.
Consumer complaint received 2023-12-18
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. (AL)

Hello, From XXXX of 2023, I filed a dispute with Transunion, XXXX and XXXX Credit reporting agencies about the Charge-off account of XXXX XXXX XXXX because the high balances are completely different. In these months I have tried multiple attempts for correction or deletion of this account with these credit reporting agencies. The Fair Credit Reporting Act states that they must report accurate and consistent info on my credit report or delete it from my credit report and they have not and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have attached documents for your review. I request the bureau to start an investigation into these accounts, as they inaccurately report me as late despite my timely payments.
Consumer complaint received 2023-12-18
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)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Hello. My name is XXXX XXXX XXXX. I have tried to contact a Human person at these credit companies, XXXX XXXX XXXX, Equifax Credit Bureau, XXXX Credit Bureau and Annual Credit Report. I tried all their numbers and called five times over the past two weeks. The automated system for each service will not move me forward to the customer service representative. I am told by the automated system that because I do not have Limited Circumstances I can not speak to a representative.I can not access my credit report as my information is, apparently, not associated with my annual report account. I have been told by a bank that I have poor credit. However, I am XXXX XXXX XXXX and have not established any lines of credit history. I believe my credit information has been either compromised or used by a family member. 

I am very frustrated that I can not talk to a real person at all of these top leading credit companies, all of which hold information associated with my social security number. These companies have access to information that I need to verify and/or correct to see if my Credit has been in fact used by someone else. Can someone please help with how I can reach out to a person for one or all of these Credit Bureaus, please?
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 12th 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, block 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 XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  I Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance XXXX {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Self Financial Inc. (MA)

Self randomly decided to cancel my credit builder account 2 weeks ago because they couldnt verify my identity even though Ive been a customer for years and my payment accounts have my name on it. The credit builder account is supposed to be a glorified savings account. Its paid out when the account closes. I asked where my deposit is and was told its under review but no one will tell me why. Or why my money, which was advertised as a savings account that gets sent right back to me after the contract ends, is suddenly being held ransom. And I dont understand why all of a sudden my identity is a question. My payment account was verified through XXXX and it has my name on it! I made my last 2 payments through the account its supposed to be sent to. They have enough information about my identity to take my money but not to give it back? And if they needed verification why was it an issue after they closed my account? Why did no one say anything to me before? Especially since Ive spoke to their agents numerous times before the account was closed. My money is supposed to go right back to me within 2 weeks. Not held for reasons no one will tell me. And as a customer there should be transparency, especially when dealing with money and credit. And judging by most recent reviews its a serious problem, with people complaining about not receiving their money back for months. So right off the bat theyre breaking the contract they advertised the business as. Its fraudulent and predatory behavior from Self Inc.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Federal Trade Commission- specify credit discrimination is illegal, the barriers, prevent a decent living, causing harm to bodily injury, and damaging to personal property. Security Fraud - trading without the owner 's consent, violation of the privacy act, and failure to disclose information. ( These Financial Institutions have created a system that tracks inaccurate information that has affected the approval of credit cards from banks, retailers, mortgage companies, and any other company that uses credit to discriminate against me.
Consumer complaint received 2023-12-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (TN)

XXXX XXXX XXXX XXXX  has sold debt to another collection agency. I have been getting emails, starting XX/XX/2023, from TrueAccord saying they have the debt but XXXX XXXX is still reporting like they have the debt.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They will not tell me when my case will be resolved. 

I spoke to a representative on XXXX, XX/XX/XXXX, XXXX XXXX  for over one hour. The associate said that they had the payment count information from my previous loan servicer, but they could not count them towards my total. It must go to a separate counting department. I asked for the length of time that would take to resolve, and he said he could not provide that information. I believe this should be resolved as soon as possible, since my case was first filed with Mohela in XX/XX/XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE Dealing with your lender or servicer Previously, they erroneously counted my qualifying payments. According to their website, every month has counted as qualifying for XXXX between XX/XX/XXXX and XX/XX/XXXX which is XXXX, however, they only list XXXX in my qualifying payments. Additionally, My consolidation loan was disbursed in XXXX, however no payments were counted prior to XX/XX/XXXX. All payments have been on time. 

I began employment at XXXX XXXX XXXX XXXX XX/XX/XXXX. All employment has been verified. I filed for TEPSLF in XX/XX/XXXX, was then transferred to Mohela. spoke 3 times to Mohela representatives who assured me the 36 months would be counted, but they were delayed in counting TEPSLF-compliant payments. I ask the 36 months to be counted as verified which brings my count to XXXX qualifying payments for the program.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

This kind of problems have been reported many times- Experian never stops this same problem from recurring. With Experian paid membership service ( XXXX XXXX ), all out of sudden on XX/XX/XXXX, Experian removed the credit reports and scores from my online account using the excuses that I no longer have a FICO score ( see attached email ) or may not have enough credit history ( see attached screenshot ), which was apparently not true ( see attached credit report ). It was a waste of money paid for the membership. Whats worse, it would violate Fair Credit Reporting Act. If no final solution, such errors will continue to be reported.
Consumer complaint received 2023-09-21
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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-18
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2023-09-21
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. (FL)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2024-06-18
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. (TX)

This is my 2nd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to removethese items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-06-17
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. (GA)

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 XXXX 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 XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$970.00}