davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I had a BJs credit card accXXXX XXXX XXXX  serviced by Comenity Bank. Bjs subsequebtly changed banks to XXXX XXXX. My previous complaint to you XXXX XXXX  outlined a complaint as I thought they received the money when XXXX turned over the files. On XX/XX/XXXX XXXX XXXX  I made a payment in the amount of {$500.00}. Since they no longer were servicing the account they kept the money and did not return it or forward it to XXXX XXXX Attempts by me and XXXX XXXXXXXX  to resolve this have been fruitless and all information has been provided to them. They will not talk about it on the phone and have not responded by mail. They gave me a case XXXX XXXX, which by phone they can't even acknowledge or look up yet thats how I got it from them. XXXX XXXX XXXX XXXX has been extremely helpful trying to help me resolve this. On the phone today they said they can only deal with this issue by mail! I am asking that my {$500.00} be returned or forwarded towards my XXXX XXXX BJs account. All information including the Mastercard RPPS sheet and my bank statement showing the transaction and my payment has been sent to them and you
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

on XX/XX/ i was notified of suspicious activity i informed nfcu that i did not make the purchases i was informed they would monitor my account on XX/XX/XXXX nfcu paid the charges made on my atm i call and went into the branch for proof that i made the charges?? whoever charged had my phone number and address so they assumed it was me? the charges were for XXXX XXXX for {$890.00}
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX OPORTUN/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Opt-Out Request for Account Number : XXXX Dear OPORTUN/XXXX  I am writing to exercise my right to opt-out of information sharing as stipulated under various federal privacy laws, including but not limited to 15 U.S.C. 6805, 15 U.S.C. 1681b, 16 C.F.R. 313, 16 C.F.R. 313.7, 15 U.S.C. 6802, and the Privacy Act of 1974. 
Per the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of any or all authorizations I, the consumer, may have previously granted, whether written, unwritten, verbal, or non-verbal, under 15 U.S.C. 6802. This includes any permissions for sharing my personal and financial information with third parties. 
Please ensure that my personal and financial information is not shared beyond what is required for maintaining or servicing my account, and confirm in writing the acknowledgment of my opt-out preference. 
Thank you for your prompt attention to this matter and for respecting my privacy and rights as a consumer. 
Sincerely, XXXX XXXX
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: FIRST PORTFOLIO SERVICING INC (FL)

Please consider this as my formal complaint to the REVVIXXXX XXXX for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/, with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2023-11-01
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)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (FL)

I reported to this company that my card was stolen/lost. I am XXXX XXXX so it is very difficult to contact this bank. The bank issued adjustment but even after sending them the affidavit they requested they placed the fraud transactions back onto my account. I am XXXX XXXX XXXX this week and this stress of going back and forth with this bank is unnecessary. I will not pay for transactions that a thief/scammer had done on my card.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/year> i sent transunion a letter looking for explanation in regards to a dispute for collection that was not recognized on my end and the company has ignored my request to resolve the issue.
Consumer complaint received 2023-11-01
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)

I am the person making this complaint & I give CFPB authority to investigate this claim. On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX XXXXXXXX for an alleged debt they reported on my credit report. They received this information request on XX/XX/XXXX and as of today, XX/XX/XXXX I have not received any sort of correspondence pertaining to my request at all.
Consumer complaint received 2024-01-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an AMEX Gift Card as.bonus from work, I have been making several attempts to spend the funds on the gift card on line, at XXXX, at XXXX, XXXX XXXX, I have tried to the card at various other merchants online and I am constantly receiving messages that the card is declined or unverified and I need to use another form of payment, I have contacted AMEX Gift Card Customer Care which simply tells me they have lifted the restrictions and to try again in 24 hours, I wait the 24 hours and try again and the same thing happens. I am then told to use another merchant, I have tried using another merchant and the same issue occurs, they reset and lift the restriction and round and round we go. I am told that XXXX is an approved merchant yet the card doesn't work. Even using a small amount same thing. How am I to use the Gift Card if EVERY merchant declines it. I am then told based on security merchants are trying to verify an address, as the Gift Card is vernal purpose they can't add my address to register it therefore there is nothing they can do other than to keep trying or try another merchant of which I have no control if they will accept it or not making my gift card useless. You can't get a money order with the AMEX Gift Card and you can't get cash back and you can't use it online. Its ridiculous! They way that they are treating me as if this is my fault is just plain rude and ridiculous. The card doesn't work! the card will say its on hold, then it will say its active, even when active it will not work. The pending charges of {$.00} cents and {$1.00} hit the card but the actual charges do not AND they never reverse the pending charges of those tiny amounts.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In retaliation to my previous complaint, complaint # XXXX Equifax locked my credit file and is denying me nor my credit monitoring service access to my credit file. The representative told me on a recorded call this evening at approximately XXXX that they have locked my file because of my complaint and they will not unlock it and I can do nothing about it. They said I have to mail in my social security card and my drivers license even though it was provided with the complaint number listed above. This is illegal.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AR)

On XX/XX/2023 I made a complaint to Wells Fargo regarding unauthorized transactions made from my account in the amount of {$3400.00} though XXXX. They opened a claim and provided a temporary credit to my account. They are now reversing the refund amount and stating I allowed the unauthorized transactions.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account has adverse items they are reporting again without my permission, which is against the law and harms me financially. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Remove all circled items on this account immediately.
Consumer complaint received 2024-04-23
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. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (VA)

Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-04-23
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. (MI)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to XXXX per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefor, I demand validation and verification of the alleged debt. 
Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-23
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)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefor, I demand validation and verification of the alleged debt. 
Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/, I request mile transfer from chase sappire preferred credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and there is 30 % bonus mile at the time, but at the end, I only receive the base mile, but 30 % bonus mile never arrive.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This was a follow up on a previous complaint and request the removal of certain inquiries from my credit reports. The reason for this request is that I will be updating my credit reports within the next 15 days. As per the Fair Credit Reporting Act ( FCRA ) section 605b, credit bureaus are obligated to remove items listed on an identity theft report. Therefore, I kindly request the Credit Bureaus to remove the following inquiries from my reports : XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 TRANSUNION : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (AZ)

I submitted a PDF request to switch to biweekly payments. No acknowledgement of receipt was provided nor has the website been updated to reflect this. Calling their XXXX or XXXX Call Centers is an exercise in frustration. Poor connections quality, lack of efficacy and other problems. So no help there. BTW, NO AMERICAN SHOULD BE REQUIRED TO SHARE THEIR PRIVATE DATA WITH FOREIGN NATIONALS. This is UNSAT. In what world do XXXX or XXXX  call Americans and share their private data. Big business is degrading privacy and national security by being allowed to offshore our personal info. Maybe the XXXX Government forgets how the XXXX siphoned info to troll for potential classified individuals information. How is this is any different. Pathetic. 

The end result of this was I submitted a payment and then was magically autobilled for half the payment of a biweekly payment. These clowns make XXXX look good. So I called and requested a refund after my bank account was overdrafted. I was promised a XXXX week snail mail check by the XXXX XXXX but so far that is not forthcoming. This was made prior to XXXX. Meanwhile the website is telling me I am late while showing multiple payment scenarios. This company should not be allowed to service mortgages.
Consumer complaint received 2023-11-01
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NY)

Last month, I tried using my Zelle accounts ( which are connected with partner banks and each using a different personal email address ) to send money to another one of my other personal bank account with Zelle. Unfortunately, it appears that my activity looked suspicious and Zelle has placed flags/restrictions on my several emails/my one personal phone number, preventing me from using the email/my personal phone number with Zelle partner banks. However, the effects have had a domino effect. Because Zelle has placed these flags on my emails, I have at least XXXX different partner banks limit my ability to transfer ANY money ( not just through Zelle ). Furthermore, I have even had 1 bank account close on me because of this restriction placed by Zelle. I have talked to Zelle customer support to get the restrictions lifted. But each time, the representatives/managers say they are unable to help ; they direct me to the partner bank customer support. However, when I call the partner bank support ( and I have at least XXXX times ), they say this is a Zelle issue and I must contact Zelle to resolve this, and there is no way to lift a restriction on my basic ability to move money ( like external transfers ) without having Zelle look into the matter. As such, I am getting bounced between partner bank customer support and Zelle support. All throughout this time, this has had a debilitating effect on all my finances and I am at my wits end.
Consumer complaint received 2024-01-12
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

I had what I thought was a zero-interest offer from my XXXX  to buy XXXX XXXXXXXX. The company, Comenity Bank, AKA Bread Financial, has a misleading statement. They charged nearly {$700.00} on a {$1000.00} balance. I don't know how that is legal in the U.S. I'm not complaining for the money. The {$700.00} scam fee is unfortunately, but I'll just close the account. I'm worried about the potentially thousands of victims of this company because it operates in the healthcare financing space. Comenity Bank, AKA Bread Financial, is ripping off vulnerable people. I hope the CFPB makes an example of them.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks