davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

The credit card that I'm having a problem with is XXXX XXXX  XXXX XXXX which is at Comenity Bank. I pay the bill, {$800.00} each month, on the XXXX from XXXX XXXX using their bill pay facility. The bill pay facility at Prosperity seems to work fine with all my other payments. The payment to Comenity very often takes several weeks to get applied. I have been hit with late fees as a result. 

When this occurs, I log into Comenity Bank and send them a secure message asking about the payment. They seem to be extremely ignorant about the entire process usually telling me that the mail is slow or something else. 

At least once, I have also contacted XXXX XXXX to ask them to assist but I don't think there is much they can do except give me the transaction id. 

I just logged into Comenity 's web site ( XXXX XXXX CST XX/XX/XXXX ). They have now applied my last payment while it was not there yesterday. Their time stamp is XX/XX/XXXX when actually XXXX made the payment on XX/XX/XXXX. Even if you believe the XX/XX/XXXX date, that is XXXX business days to make the transfer which seems excessive. Not showing the payment when I log in and look at the activity until today ( another XXXX business days ) seems wrong as well. In total, it took roughly XXXX business days to make the transfer. I can understand XXXX or XXXX but XXXX seems excessive to me.
Consumer complaint received 2023-10-02
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. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XX/XX/2022 : My minor daughter received XXXX checks delivered on XXXX  which she deposited using XXXX. 
XXXX XX/XX/2022 : New online devices, that are not known to us, were added to the account. 
XXXX XX/XX/2022 : XXXX ( XXXX ) unauthorized payment transactions each for {$1000.00} and XXXX transaction for {$500.00} were made out of her account. 
XXXX XX/XX/2022 : XXXX of the {$1000.00} and the {$500.00} transactions failed. 
XXXX XX/XX/2022 : I noticed the above transactions while reviewing my account online and called the Truist fraud line to start a fraud complaint. Truist stated they would send me documentation to fill out and submit. 
XXXX XX/XX/2022 : I visited my local branch office to report the fraud in person. 
XXXX XX/XX/2022 : I received the above documentation and a denial of claim letter. 
Complaint has been filed with the FBI XXXX XXXX XXXX XXXX Despite determining that both her Truist and XXXX accounts had been compromised, Truist maintains that the transactions were authorized and would not refund the money. Later they did refund XXXX {$1000.00} transaction. In the end she was defrauded of {$5000.00} because of Truist and XXXX. 

Additionally, in the claim denial letter it was stated that I could receive all documentation related to the claim which I have asked for multiple times. Truist claimed, contrary to their own letter, that the documents were internal use only and that I would not be allowed to see them. After much discussion I got the online representative to agree to send the documents to me but that has not happened. 

If they maintain the transactions were authorized then they should prove it. The transactions were not authorized and they just expect us to take their word for it?
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: EQUIFAX, INC. (PA)

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$950.00} XXXX  reports {$0.00} equifax reports {$910.00} they are reporting different dates of last payment on my report XXXX  and XXXX  are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Consumer complaint received 2023-04-21
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: OneMain Finance Corporation (GA)

I have a hard inquiry on my credit reports from XXXX  XXXX and onemain financial. I do not have an account with XXXX XXXXXXXX or onemain financial. I have contacted XXXX XXXX they gave me the XXXX XXXX number. I also contacted OneMain financial and they told me to contact the credit bureau as well because they had no records of my credentials in their system. When I spoke to XXXX  XXXX, she could not find a profile under my Social Security number or name but yet, I still have a hard inquiry on my credit report. This happened XX/XX/XXXX and XX/XX/XXXX, I know for sure I didnt open account on that day or any day prior.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2024, I transferred {$890.00} to a non-existent company called XXXX XXXX and XXXX XXXX for a baby grand piano advertised on XXXX XXXX. I used PayPal and was instructed by the scammer to click on " Family and Friends '' rather than " Products and Services. '' For this reason, PayPal contends that it can not take any action which would result in a refund to me. As soon as the money was transferred by PayPal it was converted by the scammer to Euros. I feel that PayPal should have put a hold on this transaction and informed me that it could be a scam.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (WA)

Due to XXXX list my job for over a year. Went to consumer credit counseling services for help. After going to creditors myself and not getting assistance. XXXX XXXX XXXX got most to help. Accept XXXX. The XXXX that would not work with them continue to charge me late fees and interest. Example XXXX such card charges me a late fee every month of XXXX dollars. My payment is XXXX dollars then the charge me interest. This bill keeps going up. My limit was XXXX now over XXXX. It will never be paid. They have never worked with me yet send me letters stating they are here to help but when you ask they refuse to help just want money. How is any of this ethical or legal?? Similiar issue with the other bank.
Consumer complaint received 2024-01-10
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: HYUNDAI CAPITAL AMERICA (TX)

I tried to finance a truck, as I was asking please if it's possible to run soft credit not hard XXXX, they promised, yes for sure we will do that after few days I was shocked when i saw my credit falling down around XXXX points, as i called them and I said why this is happened, as i got promised it will not, they said we are so sorry we will come back to you, until now they didn't. 

otherwise, this happened for me before 1 year with another company for the same reason they were lying, and they run my credit hard without asking me even I told them what i need. 

so please with my highly respect and if there is a chance to remove both of this inquiry from the dealers that I go it unfairness..
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, am requesting that XXXX and Transunion delete the collection account from XXXX XXXX XXXX. On XX/XX/2024, I sent a settlement letter to the collection agency to settle this debt. XXXX has since deleted this account after confirmation was sent. I am attaching the settlement letter to this complaint, which is dated, and time stamped. It has been well over XXXX  days since my letter, and I was informed that the account would be removed in XXXX days. Furthermore, XXXX is reporting payment history that is inaccurate when there should be no payment history reporting on a collection account. I expect this account to be removed from my credit report within XXXX days of receipt of this complaint.
Consumer complaint received 2023-06-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

I submitted a complaint in XXXX, XXXX. Fay Servicing wrote back to you and stated that I missed apayment in XXXX of XXXX and that was the reason the previous ayment amount went back to the amount that I was playing in XXXX. They acknowledged that they made a mistake about 6 to 8 weeks ago. They send modification to me with double the amount that I owed. From XXXX XXXX to XXXX XXXX. They did not remove the foreclosure lawyer fees, late charges, and increased interest rates. They refused to talk to me or to received Mknthly payments of XXXX. I tried to upload the documents but is not allowing me to do so.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I received a settlement check from my lawyer and cashed it at chase on XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and the amount is available on my account but chase bank keep saying that they need the person who wrote the check to verify the check, whom Im not allowed to have any contact with due to the case and when they call the person ( defendant ) the number is coming up as error and I feel like this is unfair because I have the money available just not able to use it. The check is REAL and everything it is not a fake check, I done dropped checks on this account before, so why am I not able to use my money. Why is the money available but Im not able to access it. I feel like chase is being unfair and mishandling my money, I spoke to XXXX ( bank worker ) and told him it was a settlement check & he refused to talk to your lawyer.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BlockFi Inc (DE)

I opened a credit card associated with the now bankrupt blockfi interest reward platform. This card promised rewards in the form of XXXX  cryptocurrency. 

When blockfi filed bankruptcy the card broke thier agreement on thier rewards promises but didn't enter into the suit with blockfi. Only raise thier card rates and demand I hold up my end. 

When contacting them they gave no reason for thier breaking of the agreement. I sent letters to all XXXX  major credit bureaus disputing this account but was denied. I've been given XXXX recourse by all other agencies. Consumers are left out in the cold when big business takes advantage of them these days.
Consumer complaint received 2023-11-07
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. (NJ)

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. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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. (TX)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer Rights to Privacy and confidentiality under Title 15 U.S.C. 1681. 

XXXX XXXXXXXX XXXX  Account # XXXX Title 15 U.S.C. 1681 section 602 A states I have the Right to Privacy.

Title 15 U.S.C. 1681 section A section 2 : It also states a consumer Reporting agency can not furnish a account without my written instruction.

Title 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 items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

Title 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 course to believe that the information is inaccurate.
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been reported inconsistently, with one account listed as XXXX  XXXX Bankruptcy XXXX, XXXX account listed as Bankruptcy : XXXX XXXX, and another account listed as Bankruptcy XXXX  XXXX. This is a violation of the FCRA. 
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection account contains errors and should be investigated for inaccuracies. This item XXXX be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
The charge off account for XXXX XXXX XXXX XXXX contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
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: EQUIFAX, INC. (OR)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

XXXX failed to meet requirements of 15 usc 1681b permissible purpose I have pictures of my account saying its been locked since XXXX but some how hard inquiries from companies Ive done no business with are literally sitting on my report as Im reading the security lock message, there is a private right of action for negligent or willful noncompliance with 1681s-2 ( b ) of the FCRA. 
- in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached and explain
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the 3rd complaint I have filed with the Consumer Financial Protection Bureau. Its been nearly 30 days since I have access to my credit report due to Trans Union blocking access. I was under the impression that the CFPB was suppose to make the Bureaus accountable not to let them be lawless. I have a right to access my credit report anytime I desire. I have not been able to have this right with Trans Union. If I can not get any help from the CFPB I will obtain a lawyer and bring a class action lawsuit against Trans Union. This is my final appeal to the CFPB for assistance.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account.

Company Name : XXXX XXXX, the account was last updated in the sum of {$0.00} on XX/XX/2021. 
Company Name : XXXX XXXX XXXX  ( original Creditor XXXXXXXX XXXX ), the account was last updated in the sum of {$540.00} on XX/XX/2021.
Consumer complaint received 2023-10-02
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. (SC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-10
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.