davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I am requesting that Comenity Bank remove my closed account from my credit reports. 

In XX/XX/year>, Comenity Bank invited me to apply for the XXXX XXXX XXXX, so I applied. Comenity Bank approved my application. 

In XX/XX/year>, Comenity Bank requested that I sent in documents to their Account XXXX XXXX, so I sent the requested documents. 

In XX/XX/year>, Comenity Bank closed my account. In response, I contacted Comenity Bank with my dissatisfaction that Comenity Bank would open my account and close it the next month. It is not good for my credit reports to show my account opened and closed right away. I requested that Comenity Bank remove my closed account from my credit reports. Comenity Bank refused my request to remove my closed account from my credit reports.
Consumer complaint received 2024-05-22
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. (CA)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

I'm a 100 % XXXX XXXX  and victim of a natural disaster. Despite numerous requests Gm financial refuses to correct late reporting sent to the credit bureaus during an extension period. Further it has incorrectly marked me XXXX days late for months I wasn't because of delays in their system which is no fault of mine. If this isn't resolved with XXXX reversal of late reporting my attorney will be initiating civil litigation.
Consumer complaint received 2024-06-23
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. (FL)

My investigation has been going on since XX/XX/2024. I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with records of who you spoke with, their business address, name and phone number. As well as documentation that proves that this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated report.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

XXXX credit card was paid over {$5000.00} in XXXX months to reduce the balance after months of difficulty logging in in XXXX, XXXX and XXXX. Addionally phone calls during XXXX and XXXX were not helpful in getting through. No statements are being mailed and access by phone was spotty depending on phone time if they would pick up after choosing the correct buttons. 

The executive office knew we gave the correct account number for a payment in XXXX of 2024 after we requested she review it. It was not processed because the rep made and error. 

The Citi executive rep was sneaky and wrote back that we provided an acct number and the rep repeated the wrong number and we agreed. If we were driving and could not review the rep repeating their own error that is not our error. We simply did not hear or know to correct their error. 

I have attached the XXXX XXXX for the account number and routing number provided showing no return occurred. That a balance exceed the payment made to Citi NA  We gave the correct account number as it is not known by memory and had to be read initially. 

As a result they did not credit that months payment and created lates XXXX sequential months. 

The executive office should be more honest and forthcoming on their errors effecting consumers. Not dishonest and deceptive by not addressing their own rep making the initial error in payment.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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  Subject : Dispute of Inaccurate Reporting of 30-Day Late Payment Account Number : XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting on my credit history regarding a XXXX late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my XXXXrelated circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the XXXX pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the XXXX virus. I would like to affirm that the XXXX late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the XXXX late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, XXXX  Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, National Association of Attorneys General, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau XXXX XXXX
Consumer complaint received 2024-07-15
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Superior Holdings, LLC (IN)

Paid off XXXX XXXX amount in XXXX. Tried calling and talking to local XXXX branch who forwarded us to Finance company who said they'd get it taken care off. After several attempts to check up on it through the past XXXX years they still have not responded or provided any documentation, nor has the lien been removed or title provided.
Consumer complaint received 2024-05-22
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (NY)

Back on XX/XX/XXXX I took out a loan for a XXXX XXXX XXXX and I was lied to when I took it out I was told that for being in XXXX XXXX they would work with me with the payments the Intrest was so high and thr payments were outrageous I notified the td auto financing dept many times that I needed help I even tried to refinance but was not able to they didn't care I asked many times for them to lower the payment so I could make do and they never answered back they would tell me to call to another dept but there no ine ever called me back and XXXX day I got through and the representative acted not to hear me and then I just lost faith and then this year on XX/XX/XXXX they reposted my car knowing that I need it desperately I am diabled and so are my family members and they neeve tried for me to keep.my car this is so sad and they way there customer service dept works is so unfair and they lie so much it's so sad
Consumer complaint received 2023-05-04
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 an 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 information is inaccurate.
Consumer complaint received 2024-07-15
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. (DE)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

I am writing to file a formal complaint against CREDIT COLLECTION SERVICES ( CCS COLLECTIONS ) regarding their blatant refusal to provide proof and validation information regarding a debt they claim I owe. Despite multiple requests made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), CREDIT COLLECTION SERVICES ( CCS COLLECTIONS ) has continuously failed to furnish the necessary documentation to validate the legitimacy of the debt. This refusal to comply with federal regulations has caused me undue stress and uncertainty regarding my financial obligations. Without proper validation, I am unable to verify the accuracy of the debt or assess my options for resolution. Furthermore, CREDIT COLLECTION SERVICES 's ( CCS COLLECTIONS ) non-compliance with the FDCPA reflects a pattern of unethical behavior that undermines consumer rights and protections. I urge the CFPB to investigate this matter thoroughly and take appropriate action against CREDIT COLLECTION SERVICES ( CCS COLLECTIONS ) for their failure to adhere to federal debt collection laws. I also request assistance in obtaining the necessary validation information to resolve this issue expediently and fairly.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XX/XX/year>, we found there was an unknown/unauthorized XXXX transfer of {$1800.00} out form our US Bank XXXX account, account number XXXX. The transaction was on XX/XX/year>. We called US Bank immediately to report this fraud transaction. The associate asked us to go to a US Bank branch. So we went to the US Bank branch ( XXXX XXXX XXXX, XXXX, XXXX ) immediately to report this fraud transaction again. US Bank closed this bank account, but didn't return the money.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (SC)

GM Financial has discharged the debt, file 1099 with IRS. This is considered as income once discharged and should not be reported on credit report and with the credit reporting agencies like XXXX, XXXX, and XXXX, and any other reporting agencies. Once they have sold or transfer the purchased money loan agreement or contract to a third party purchaser, then this illegal reporting should not be on my credit report. I requested that they removed this from my credit report immediately to no avail. This is considered as income according to the IRS, and income should not be reported on credit report of the consumer.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (TX)

I received a letter in the mail from XXXX XXXX XXXXXXXX XXXX XXXX a law firm, informing me that I am being sued by a company called Jefferson Capital. The company has never reached out to me informing me that I was going to be sued and when I tried to call the company years back to setup a payment plan, they were not of any help as I kept getting hung up on or put on hold for several minutes.
Consumer complaint received 2024-05-22
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. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION (VA)

Fulton bank continues to reverse or not register my payments within there " system '' I have been dealing with this issue for a year. It feels like they are trying to foreclose on the house or pile on late fees. The worst part is that my wife and I are financially secure. We have no problems coming up with the money to pay our mortgage. The problems with payment occur on their end. I am honestly clueless as to why the payments get reversed or register on the account but, Fulton bank still says I am past due on the website. I speak so much with the employee in charge of my account, I recognize her voice. The issues has been going on since the account was opened in XX/XX/XXXX. Judging by a Fulton bank employee 's response today, this is a recurring theme. 

It still says that I am past due on my payments from XX/XX/XXXX however, I have made consistent payments. Today I got a letter in the mail making it seem like my account is delinquent. They are either doing some shady stuff over there or just negligent incompetence. 

End of rant
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

The account was closed XX/XX/year>. I called them because I got a notification the account was flagged and they would not refund mt money in the account after it was closed. They wouldn't talk toe, blocked me. I no longer get emails from them. I sent in documention and information that was required but have not gotten anything back. I even set up another account to send in a void check to be able to get my refund. 

I have called many times since the account was closed, and they won't.give me any information nor allow me to talk to a manager or supervisor. They hang up on me. 

The amount that was in the account was about XXXX.
Consumer complaint received 2021-02-17
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: Security Credit Services, LLC (OH)

SECURITYCRED ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$760.00} How can you say that this account is verified when Im still seeing inaccurate information being reported?. This reporting is incomplete.
Consumer complaint received 2024-07-16
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. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.