davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WI)

Account XXXX credit card was paid off XX/XX/23. 
I received additional notice that there was a $ XXXX fee still on the account after paying off the amount indicated in the latest bill at that time. Starting in XX/XX/2023, Comenity Bank started sending harrassing telephone calls multiple times per day. 
XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 4 calls + 2 additional 'no caller ID ' calls XX/XX/23 - 5 calls + 3 additional 'no caller ID ' calls XX/XX/23 - 1 call + 2 'no caller ID ' calls XX/XX/23 - 1 'no caller ID ' call XX/XX/23 - 2 calls + 2 'no caller ID ' calls XX/XX/23 - 4 calls + 1 'no caller ID ' call, hourly between XXXX and XXXX CST I finally figured out how to sign in online and paid the " XXXX '' in fees that I have been charged after already paying off the amount listed on my payment in XXXX. 

I want the company to reimburse me in the amount of {$100.00} for the additional changes and unnecessary harassment and will continue to escalate this and share my story on social media because these practices are unlawful and there's no amount that can reimburse the damage this company has now placed on my credit report.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I served as an XXXX XXXX  and received a XXXX XXXX XXXX upon completion. I submitted a payment request through XXXX on XX/XX/2024. Mohela has still not accepted the payment. In the meantime, interest continues to accrue. 

On XX/XX/2024, I called Mohela to check the status of my payment. At first, they said my account was " being transferred, '' so they can not apply any payments. This is categorically false because the transfer was completed on XX/XX/2024. 

Mohela then put me on additional holds to find the answer, but they came back with none. They have nobody who knows how to process this payment.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
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. (NC)

I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Zions Debt Holdings (AZ)

Zion Debt Holdings LLC has put a negatitive collection account on my credit report for a debt back in XXXX that was discharged in bankruptcy XXXX  XXXX XX/XX/XXXX I have sent them information and my bankruptcy attorney sent them information informing them that this debt was included in XXXX  XXXX, and they should not be reporting, calling me or trying to collect. 

It stopped for a month and not they have added this to my report which caused a plunge in my credit score a few weeks ago they were provided all infomration, it public records, the company they bought the debt from is called XXXX, they were provided information prior and after the bankruptcy was dischaged Bankruptcy ref # XXXX dat file XX/XX/XXXX discharge XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 1234, 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 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 information is inaccurate.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To put my credit score back at the XXXX that it was before they took XXXX points away now that the late status has been removed then there is no issue. 
The late status has been removed that has been resolved shows as current and in good standing however they only gave me back XXXX points out of the XXXX that they took away. I would like to have my XXXX credit score restored prior to the late status that has been resolved. They're going to take XXXX points make the corrections to the status and only give me back XXXX points? Then why not only take XXXX points? I would like my full XXXX restored please
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-23
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (FL)

Our account at Discover Bank was hacked. The bank allowed someone access to our account and the person was able to prematurely cash our CD 's with penalties transfer the funds to our High Yield savings acct and create a wire transfer to remove those funds. I was able to intervene and stop the wire transfer. Fortunately, there were some employees who were helpful, and we were able to reverse the transfers and receive credit for the penalties. However, this is entailed over 8 hours on the phone with very little help. The main problem is we asked the bank how this could happen and their answer was they could not help us because retaliation. I told them I was almost XXXX XXXX XXXX and did not want to pursue anyone but wanted to know how it happened so I could protect my other bank accounts. I asked to have someone in authority to call me and never received a call back. Therefore, I wrote a letter to XXXX XXXX XXXXi executive VP & President of XXXXXXXX XXXX. I then received a call from a person in his office who was arrogant at best and when My wife who was very upset took the phone her comment to my wife was mam be professional fraud happens. My wife was upset because of the anguish and time this caused and I had just had a XXXXXXXX XXXX in XXXX.
Consumer complaint received 2023-09-06
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. (TX)

I've been trying to clean up my credit report so that I can build my credit and there are a few things I've been disputing with all 3 credit bureaus for almost 1 year now, they have only fixed 2 items but never give me responses! And every time I send a dispute to XXXX, the only response they're giving me is stall tactic responses, this is not providing the information I requested, and it's not fixing the negative items on my report either! I've been disputing late payments on a XXXX XXXX account, XXXX account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX , and XXXX XXXX XXXX but the only XXXXate payments fixed was on XXXX with XXXX XXXX and the charge off with XXXX XXXX XXXX on XXXX . I have requested at least 6 times now to provide the proof that I was late, I do not show this in my records that I have and no one has provided this. I either do not get a response at all or I get continuous stall letters, this is not acceptable!
Consumer complaint received 2017-08-08
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: REGIONS FINANCIAL CORPORATION (WA)

XXXX called me on the phone, told me my company was pre-approved for their gas card, and sent it to me after a brief phone interview/application. I used the card, never got anything in the mail or email or anything telling me I had a balance owing and how much to pay or to where to send payment. I called the number on the credit card to inquire about this and they said my account was already referred to a collection agency.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (IN)

I have tirelessly fought with this company trying to get my money returned to which I get ignored or told they have no updates for me at this time. It has been 2 years now and I can't seem to get any help or resolution. My account was charged three times {$730.00} for XXXX XXXX XXXX XXXX tickets for XX/XX/2022 all 3 times including the insurance in case something happened. So 1st of all I didn't need 3 purchases of same tickets, 2nd of all I bought insurance because it's my luck so always make sure, 3rd I kept in contact with the place the comedy show was happening at and I had broke down on the way to event and was told I would get a credit with XXXX XXXX to use for XXXX XXXX or any other event totaling the same amount unless of course I wanted to pay any difference and that I would be fully refunded for the other 2 transactions buying same tickets 2 more times told there was a glitch in system probably. Well never received my credits never received my refunds it's almost 2 years later and XXXX nor PayPal have rendered this situation
Consumer complaint received 2024-03-14
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. (GA)

I thoroughly reviewed my credit reports. I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Consumer complaint received 2023-10-23
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To put my credit score back at the XXXX that it was before they took XXXX points away now that the late status has been removed then there is no issue. 
The late status has been removed that has been resolved shows as current and in good standing however they only gave me back XXXX points out of the XXXX that they took away. I would like to have my XXXX XXXX XXXX restored prior to the late status that has been resolved. They're going to take XXXX points make the corrections to the status and only give me back XXXX points? Then why not only take XXXX points? I would like my full XXXX restored please
Consumer complaint received 2024-03-14
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. (MI)

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 information is inaccurate.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I bought tickets on this XXXX XXXX for a XXXX XXXX concert on XX/XX/2023 for {$340.00}. The link went through XXXX and the tickets were never sent or activated and I never got refunded. XXXX  seats and XXXX keep claiming the other party is responsible and Im out {$340.00} for tickets I never received and a show I never went to. Its a complete scam and they also refuse to send emails and leave a paper trail when I try to dispute the charge with my credit card company. The credit card company I used was Discover and they keep siding with the merchant because it was an authorized transaction, but XXXX  seats did not provide the services. This is a case of fraud and Discover is false advertisement on saying clients are never responsible for fraudulent cases or services never rendered. They wont let me open a new dispute either.
Consumer complaint received 2016-06-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXX, XXXX I became aware that I am a victim of identity theft. I have since contacted all three credit reporting companies ; XXXX, XXXX and XXXX to dispute information reported to them and I have also filed individual complaints to the individual creditors accordingly. XXXX of these tradelines/accounts that I have disputed was with Chase for an auto loan ( Partial loan # : XXXX ) to which I have disputed as not mine and or fraudulent. Prior to yesterday, it was an auto loan that was opened in or around XXXX XXXX, and then paid off in XXXX XXXX. Also, up until today it reported as at least reported as a paid in full with satisfactory pay history with an opening balance of {$22000.00}. Where as of today not only is this account still reporting on my credit, but it has since been updated by Chase as an account that was in fact not paid on time with the following late pay history reporting ; ( XXXX XXXX - XXXX XXXX as 30,60,90 & 120 days late ) with a credit limit of {$1000.00}. It also shows this account as first reported in XXXX. 

First off, all of this information is now even more wrong than it was before when I contacted them directly and disputed this entire account from the beginning on XXXX XXXX, XXXX. At this juncture, I would challenge Chase to verify that this account was even mine to begin with. At least prior to my disputing this, it was reporting as a satisfactory and paid in full account and now all of this information has changed. This is a violation of the FCRA on so many levels.
Consumer complaint received 2023-10-23
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 that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-03-14
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, VA XXXX Account number : XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On Saturday XX/XX/ XXXX XXXX  with no explanation Capital One had closed my account without letting me know any knowledge and that the judgment is final and that I can not dispute their judgment but I've never had a credit card before I've never been in debt to my knowledge I've never been in trouble for credit fraud or anything that has to do with money never they're the only place that would give me a line of credit of {$300.00} and they can see that my yearly salary I can pay that no problem I make almost {$80000.00} a year why nobody else will give me credit I don't know nobody will give me a shot except for Capital One but within 2 months they shut my account down without explanation I need help
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. The accounts that I am referring to are the following : -- -- -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