davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (NY)

I had reached out to my financial institution Comenity Bank now known as Bread Financial regarding a transaction that was placed on XX/XX/XXXX for the amount of {$710.00} from the merchant BJs as I had never gotten my package at first. Later on, it did show up but later than expected as I needed it for a gift for someone, so I had returned it back to the merchant on the XXXX of XXXX and it was delivered to the merchant warehouse on the XXXX of XXXX. However, the issue is that the merchant has yet to have refunded me for the transactional my account despite returning the merchandise to their warehouse. So, I'd reached out to my financial institution to update and clarify the situation and dispute to further reflect that I had never received a refund despite returning the merchandise. I had also first reached out to the merchant to attempt to remedy the issue and in regard to receiving a refund however they refused to assist me in any way and so I reached out to my bank, but the problem is now that my bank themselves are denying my claim despite clear proof was returned to the merchant and had recently reversed the transaction making me liable for merchandise I no longer have.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westlake Services, LLC (CA)

These hard inquiries do not belong to me, these are fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE SERVICE 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
Consumer complaint received 2022-09-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Legal Action Bureau Inc (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (TX)

My name is XXXX 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.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had my identity stolen my car broken into my card funds stolen they got everything I filed a claim with bank of America prepaid paid claims dept to no avail they keep denying the claim they lie just to denied it this is very frustrating cause of tuff financial needs for myself they do not do wat they advertise at all I need this fixed
Consumer complaint received 2022-12-21
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. (MI)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX 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,
Consumer complaint received 2023-01-22
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: AMERICAN EXPRESS COMPANY (TX)

Lost money between two bank accounts ACH external transaction I initiated {$550.00} ACH external transaction from AMEX checking account ( XXXX ) to XXXX XXXX  savings account ( XXXX ) on XXXX 

XXXX received the money on the same day ( XX/XX/ ) but automatically reversed the money back to Amex two days later ( XX/XX/ ) for unknown reason. I didn't authorize this. 

But Amex did not receive the money. My money went to nowhere. 

Reason for the money reversal : XXXX : there was not enough money in Amex checking account Amex : Money was enough. We didn't inquire to reverse. 

Investigations : XXXX : XXXX started two investigations and confirmed the money was reversed back to Amex Amex : We did not receive the money. We can't start investigation because the transaction is not on our end. 

Result : I lost the money. {$550.00}.
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (VT)

Good morning, The details are described as such. My business has a supply store credit card through Comenity Capital Bank. I received a bill in XXXX in the amount {$370.00} and promptly paid this with check number # XXXX. They debited this amount from my bank on XX/XX/2022 as payment to this charge. They have continued to bill me monthly plus add a {$41.00} late fee on each statement, compounding these unwarranted late fees to total {$560.00}. I wrote a letter to the disputes department for this company including proof by my bank that the initial charge was in fact paid in full and in a timely manner. No one will get back to me. This company continues to affect my credit and credit score, which is unacceptable. This original charge was paid. Therefore there should be no outstanding charge nor any of these late fees. I am at a loss on what to do. My sincere thanks, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage took over my loan in XXXX and they have been misrepresenting the accounting on this mortgage since they took over. They have been unable or unwilling to provide me with a detailed accounting of the escrow account and they have continued to add fees and charges to the account. Their records now show a past due amount of {$5700.00} on the loan despite all payments have been current since XXXX when they took over. 

One of the problems is that they purchased an insurance policy in XXXX when the home already had a policy in force and they charged the escrow account. They have also incorrectly posted payments in the account to the wrong months. I have been trying to resolve this with Nationstar since XXXX through calls and emails and they will not provide me with any customer support. They continue to transfer my calls to a call center in XXXX and the representatives can not assist me with these issues and do not understand the escrow accounting. I am now under contract to sell this home and want to resolve this before the loan is paid off.
Consumer complaint received 2023-06-05
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was sent a form back in XX/XX/year> from Transunion to fill out for correcting my information. I found out from the banks that the credit bureaus had my social security wrong as well other information. I had to work with all three credit bureaus. My credit was mixed with someone else with the similar name. I thought since I sent in all my informaiton with a copy of my correct SSI # that everything would be corrected. XXXX and a half months ago I was advised by my bank that Transunion had my SSI # wrong that is why the bank can't identify me. I have spoken to several agents with Transunion and each and every time they tell me that its being worked on and should be fixed within XXXX days. This has been going on for XXXX and a half months when it should have been fixed back in XXXX when I sent in all paperwork and a copy of my SSI card. Now this is messing with me working with the bank in matters. As well as insurance companies go through Transunion for Credit Reports. I need this fixed and they are not doing anything to fix this matter that I have constantly been calling about for months now. They tell us to watch our credit reports for identity theft and fraud but fail to fix disputes and trying to get this resolved has become a huge nightmare. I feel at this point my true information and identity is held hostage because they credit bureau fails to want to resolve and actually fix this problem.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid 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: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX, I incurred an unauthorized charge on my credit card ending XXXX with SunTrust ( now, Truist ). I contacted the credit card company immediately and a claim resolution was provided on XX/XX/XXXX whereby the card ending XXXX ( with a case ID number attached ) was closed and a new credit card was issued on XX/XX/XXXX. From that time until now, everything worked as normal with the new credit card. 

I just logged into my Truist account on XX/XX/XXXX and noticed that Truist has added credit card statements from XXXX, XXXX, XXXX, and XX/XX/XXXX under the old credit card ending in XXXX, indicating that I owed the {$300.00} in stolen charges from XX/XX/XXXX. Fortunately, I have a printed resolution from SunTrust, dated XXXX, that states the unauthorized charge was resolved. Now, it's suddenly showing up as a new credit statement with an active balance. I contacted the Truist credit card department and talked with 4 different individuals for over an hour. They have informed me that the XXXX charge was resolved, BUT WILL NOT PROVIDE A WRITTEN RESPONSE TO THAT EFFECT. I simply asked for written confirmation that the XXXX unauthorized charge was resolved ; and, I did not understand why ( after 28 months ) a credit card statement had reappeared on my account under the old credit card ending XXXX. 

I was informed Truist has transitioned their credit card information back in XX/XX/XXXX and this issue was yet to be resolved. I informed each individual that this issue had never appeared after the card ending XXXX was closed up until XX/XX/XXXX. 

I'm alarmed that Truist refuses to provide me with written documentation about the successful resolution of this issue from XXXX. The representative indicated a complaint form was submitted internally from my discussion today, but I could not have access to that document. I simply again asked for written confirmation the XXXX charges had been resolved. The response was YES, but they wouldn't provide written documentation. 

I finally asked for a supervisor and expressed by displeasure about how this was being handled with a tremendous lack of transparency. After much angst, she agreed to submit my request for a written resolution to the Consumer Resolution Department and provided me with a case ID : XXXX. I asked if this meant I would be receiving written confirmation about my complaint 's resolution ; she responded by saying, " that's up to the Consumer Resolution Department ''.

I find this interaction with Truist Bank quite alarming and disturbing as they refuse to be transparent with the consumer. I have banked with this organization for probably more than 30 years and now can not get this issue resolved which includes removing the credit card statements beginning XX/XX/XXXX from my account. I'm considering closing the current credit card account to resolve the issue as the CONSUMER.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX is reporting false information to the credit bureaus. They are reporting that my account is XXXX XXXX late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the numerous attempts I have made to correct the issue of late open accounts associated with my Credit Bureaus. Despite my persistent efforts, it appears that the matter has not been adequately addressed, and the late open accounts continue to pose a significant inconvenience. 

To provide you with a brief overview of the situation, I have encountered repeated challenges in rectifying the late open accounts linked to my [ account/service ] with your company. I have diligently followed the prescribed procedures, submitted the necessary documentation, and communicated with your customer service representatives on multiple occasions. However, the issue persists, and the lack of resolution is causing undue stress and inconvenience. 

I understand that errors may occur in any system, and I appreciate your efforts to address and rectify such issues. However, the repeated failures to correct this problem have not only impacted my financial standing but have also eroded my confidence in the effectiveness of your company 's customer service and account management processes. 

I kindly request that you conduct a thorough investigation into the matter to identify the root cause of the persistent late open accounts associated with my [ account/service ]. Additionally, I urge you to expedite the resolution of this issue to prevent any further adverse effects on my credit score and overall financial well-being. 

I believe in fair and transparent business practices, and I trust that your company shares these values. I request that you keep me informed of the steps being taken to address this matter and provide a timeline for its resolution. I am prepared to provide any additional information or documentation required to expedite this process. I am asking for your assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$44000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX XXXX : {$39.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$44000.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Consumer complaint received 2022-12-19
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX I initially send an investigation letter to XXXX to investigate XXXX bankruptcy cases # XXXX and # XXXX that's currently listed on my consumer report back on XX/XX/XXXX, in which all XXXX consumer agencies, XXXX, XXXX, and Experian responded back and listed those bankruptcies as verified. After those results, I investigated the third party agency that XXXX, XXXX, and Experian stated that they used to verify those bankruptcies with, which was XXXX XXXX. Then I sent method of verification letters to XXXX XXXX to investigate both bankruptcies ( # XXXX ) and ( # XXXX ) and they were not able to verify that these bankruptcies, in which in turn XXXX XXXX removed these records from my consumer report with that reporting agency. This makes these cases unverifiable and should be removed from my XXXX, XXXX, and Experian consumer reports. I sent XXXX, XXXX, and Experian a copy of the XXXX XXXX investigation results, and they still responded that the bankruptcy cases # XXXX and # XXXX were properly verified, and it still remains on all XXXX consumer reports unlawfully. According to FCRA, if these bankruptcies are unverified by the third party agency XXXX XXXX, so by consumer law protection, these bankruptcy cases should be removed immediately from all XXXX consumer reporting agencies as well. If these consumer reporting agencies are to be investigated as of today XX/XX/XXXX, these bankruptcies ( # XXXX and # XXXX ) remain on my consumer report unproperly verified, which is in clear violation of FCRA.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

[ I will upload a PDF of this in case the formatting gets lost ] I pulled my Equifax Consumer Report and noticed a whole bunch of things I do not want on there, which I had never consented to them having or sharing. I mailed them a very detailed letter requesting they prove they had the right to receive and share my information. I clarified that even if I HAD accidentally consented, I hereby revoke that consent and I listed all the things they must remove. 

I extended Equifax 30 days to provide proof of my contract with them as well as proof they have provided clear and conspicuous notice. I also extended them 30 days to remove the particular things I wanted removed, requesting they send me an updated report. 

I made it clear I will hold them accountable for {$1000.00} per violation. 

I also made it clear that, as Im currently traveling, they must respond via email. And therefore, if they mail their updated report and/or proof of contract or consent INSTEAD of emailing it to me as well, it shall be considered as though they have not responded at all. 

I have not received any email. I am not aware of any mail sent to the mailing address they have on file. And, as I can see from todays Equifax report, there are still XXXX data points which they have yet to remove. 

For the record, I will attach my letter to Equifax in this complaint.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I spoke with Transunion & XXXX about the old address XXXX XXXX XXXX in XXXX NJ and the old other address that I clearly ask them to remove! They fail to remove all the old address I currently not there no more they are keeping the current! The only address Im currently at and I have residential there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. When I dispute theses accusation they fail to remove all the address they told me it would take 24 to 48 hours for them to remove them! Im going to file a lawsuit again them for wrongful inaccuracies on my credit report today. Im a victim here and this needs to be investigate soon as possible, when you do show them proof they discard your evidence of proof that you sent to them. This is totally not fair to any consumer who are not being protected by the law of the consumer right. I have the right to dispute and if anything thing looks too suspicious I have the right to dispute it with evidence of proof!
Consumer complaint received 2024-01-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc (TX)

i have been trying to pay XXXX cause thats all i have left on loan but you guys are not allowing me to update my bank info everytime i give my info its saying i cant make my primary account which i dont know why so can you guys just give me the address so i can send it in money order cause you guys app XXXX so all i need is a address i have 18 days before this account is default and im already getting late payments for this XXXX when i have been trying to pay for months i moved and everything