davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HW Holding, Inc (FL)

I was extorted to pay {$1000.00} + interest to Hunter Warfield ( Collection Agency located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) for fraudulent claim. I received a phone call XXXX, but the message left did not indicate it was from a collection 's agency, so I did not respond. I then received an email from Hunter Warfield XX/XX/XXXX, indicating I owed {$1000.00} to XXXX XXXX XXXX. I proceeded to call XXXX XXXX XX/XX/XXXX regarding the email I received. They did not return my call. I then emailed them and called XX/XX/XXXX and sent certified mail to the office. I still did not receive a response. I then called the office multiple times since, one time speaking with office staff at XXXX XXXX who stated she would talk to the manager and get back to me. I also spoke with Hunter Warfield who stated that I had to pay the balance in full by XX/XX/XXXX or else it would go as a derogatory mark on my credit report. XX/XX/XXXX, I physically walked into XXXX XXXX to find out what I am being charged for. I never received a move out notice and was sent to collections 55 days after moving out, never notified XXXX time that I was being charged with anything. The staff member at XXXX XXXX could not find a move-out notice uploaded. But promised the manager would get back to me. I did not hear from her. I called Hunter Warfield and disputed the charges. They then proceeded to tell me that I even though the charges are being disputed, it would still be reported to the credit bureau and show up on my credit report. I emailed XXXX vista again XX/XX/XXXX, received a quick response from the manager stating she would get back to my Monday, of which I still, Wednesday XX/XX/XXXX, have not heard anything from her. I was forced to pay Hunter Warfield XX/XX/XXXX, so as to not have the charges sent to the credit bureau. According to the Fair Credit Reporting Act the abovementioned collection agency abandons its statutory duty by enforcing a bad collection without proof ; even though, this matter was disputed.
Consumer complaint received 2022-12-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NV)

My bank account was flagged for unusual activity on XX/XX/2023 after my federal tax return for {$26000.00} was deposited into my checking account on XX/XX/2023 from the irs treasury department. I transferred {$9000.00} to my XXXX XXXX  account & {$17000.00} into my chime savings account as soon as it deposited on XX/XX/2023. Then I was locked out of my account on XX/XX/2023. I provided all documents that chime asked for. Chime still closed my savings & checking account & chime credit card on XX/XX/2023 & said I wont receive a refund. I only received automated responses via email. I learned through research that this is very common with chime online bank & there is a lot of other people going through this. Chime has a lot of cfpb complaints. This is putting my whole life on hold. It was {$37000.00} in my savings account & {$190.00} in my credit builder account. Ill be looking to hire a lawyer also.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

I was recently a victim of identity theft, and have numerous inquiries on my report that I do not recognize. The perpetrators also broke into my XXXX XXXX account, and my XXXX bank account but my accounts were frozen before they were able to withdraw money. These are a list of the inquires and the dates. 
XXXX Report -SYCNB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -SYCNB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 information incorrect
Company: Experian Information Solutions Inc. (NM)

XXXX XXXX indicated loan was on deferment, then reinstated it without telling our son. As a co-borrower, XXXX payments were listed as late and this has effected credit rating. When my son found out the loan was reinstated, he tried to pay, but their electronic system was down, and they issued another late payment on our credit report.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

Requesting a copy of my signed application with terms and benefits. To answer whether Chase advertised for any credit for new applications on XXXXXXXX XXXX during XX/XX/2022 and specific dates and promotions.
Consumer complaint received 2024-04-02
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)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a dispute to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking the Federal law.

In accordance with the Fair Credit Reporting act.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( iii ) the information is in fact, inaccurate.

This is unfair and they are doing this to me imagine who else they are taking advantage of and also doing this too. Can you guys please fix this
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires CAPITAL ONE BANK USA XXXX XX/XX/XXXX CAPITAL ONE BANK USA - XXXX CAPITAL ONE BANK USA XXXX XX/XX/XXXX CAPITAL ONE BANK USA XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I'm not sure why capital one keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for XXXX, I don't even know who that is and why would anyone apply to the same consumer that close together?
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (SC)

I have notified equifax, XXXX, XXXX  and the creditors about these accounts that are fraudulently reporting to my credit and asked them to do an investigation I have yet to receive any correspondence as they have my updated email and physical address its been over 45 days since I have contacted them in regards to this. I have also submitted and sent all documents that has been requested. Below are the two accounts that need to be removed. 

XXXX XXXX {$810.00} XX/XX/2023 XXXX XXXX  {$700.00} XX/XX/2XXXX XXXX
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, 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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-03
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. (MS)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-12-21
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 asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/2022.
Consumer complaint received 2022-12-21
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)

N ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

My account was a victim of fraud. I informed Bank of America of this and after long calls the funds were returned to my account. I've since learned that XXXX other individuals, who have completely unaffiliated accounts, were a victim of the same exact fraud as I was. 

Bank of America did an investigation to determine that this was fraud. I requested details of what was discovered during the investigation and was informed that if I wanted any information I would need a subpoena. 

I believe Bank of America was hacked in some fashion and is not informing their customers. My finances, personal information, etc, XXXX be at risk. In addition, other customers likely had money extracted from their accounts as well through this fraud but since Bank of America isn't announcing anything, they are unaware.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Dear Sir, This is in reference to monthly Mortgage Payment to PHH Mortgage. I am a very good in making mortgage payments on time with zero delay in payment history except during XXXX XXXX when I lost my job. On XX/XX/XXXX, I tried to make mortgage payment by phone or on their website but that was not accepted so I mailed a payment by check on XX/XX/2022 to their XXXX XXXX XXXX. I spoke with them on XX/XX/XXXX to inquire receipt of check but the representative said that it did not showed up yet in their facility and she gladly accept payment on phone and promised to use check against XXXX Installment. The check was cashed on XX/XX/XXXX but they did not credit it to my account. I called them and they said they never receive this check, then I discuss this matter with their supervisor ( XXXX ID # XXXX ) and send is all the proofs. He suggested to take this matter with XXXX bank ( Issuer ). I went to the XXXX bank and they gave me a form to file fraud claim which need to be signed by me and PHH mortgage Services so I can get my money back but its almost XXXX weeks, I am not getting any response from PHH Mortgage. Every day I sent them Emails and tried to contact them on phone requesting to help me but no response. Please help.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

First of all, thank you so much for doing this. XXXX XXXX, Comenity bank is the worst bank in the world. I made the mistake of signing up at a XXXX XXXX store because of the attractive offers. They charge the highest amount of APR and they are continuing to increase it next month to 35.99 % therefore I am trying to pay off the credit card and close my account with them. I have from day one, had continuous issues with this bank. I set up an autopayment of {$300.00} to be deducted on every XXXX of the month. I also wanted to make additional payments and bring down my balance. So I paid {$210.00} on XX/XX/XXXX, thinking I'd automatically pay another {$300.00} on the XXXX through the autopay amount, bringing down my balance, because I would've paid {$510.00} for the month of XXXX. Instead, they decided to reduce my autopayment amount to {$84.00}, so that I am restricted to pay only {$300.00} a month!!! How can they take that decision for me? If I want to make additional payments ahead of time and bring down my balance, they CAN NOT AND SHOULD NOT HAVE THE AUTHORITY TO REDUCE MY AUTO PAYMENTS AMOUNT. This is criminal. They are not letting me pay off my card.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than XXXX 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 have reasonable cause to believe that the information is inaccurate.

THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this inquires I found on my transunion account is reporting as n incorrect inquire nit performed or agreed to by me. 

I have reached out to XXXX XXXX XXXX and other companies reporting inaccuracies to kindly remove this as it Is a fruadlent inquiry, they have refused to oblige XXXX XXXXXXXX XXXX XX/XX/2022 credit card light stream. XX/XX/XXXX XXXX instalment loan XXXX  XXXX auto. auto loan {$3200.00} this account was paid off but still reports on my account there fore it is inn. accurate and XXXX must must be blocked and deleted and balances reported on this loan are incorrect acrross all XXXX reporting agencies therefore had to be deleted
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

On XXXX occassions when I tried to use the card to pay for a purchase, the card was declined. I have now called the card issuer 3 times. When I enter the card number into their automated system, the message I get is that the card number is invalid. 

I have spoken to a card issuer rep on XXXX separate occasions. Either I get placed on hold and no one ever comes on the line, or I get disconnected after explaining my situation. I am courteous and respectiful, so I don't know what to think.
Consumer complaint received 2023-04-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

This is the 3rd attempt to fix this issue and remove the fraudulent inquiries from my Equifax account. I have faxed them 2 times the FTC report and talked to them and they saying they haven't received the report. They verified their fax number. I have a current security freeze on my reports from all 3 bureaus.

Because of the Nationally Equifax Security Breach, I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. Equifax- 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 XXXXXX/XX/XXXX. I do not recognize these inquiries and did not authorize them. Please investigate these inquiries and provide me with any information you have about them. If you are unable to provide evidence that I authorized these inquiries, please remove them from my credit report. I am including the FTC reports. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX