davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NC)

Hello, Re : Comenity Bank / Jared credit card account XXXX in the name of XXXX XXXX XXXX XXXX XXXX XX/XX/23, I had checked my credit card balance and also called in for my balance. Both the website and voice messages indicated that I had a {$7600.00} credit card balance. When I went to perform a refund and exchange purchase at Jared in XXXX, XXXX on my Wife 's wedding ring ( that had a warranty on it ), the credit card that I had with Jared by Comenity Bank accepted the refund credit of {$2600.00}, but subsequently denied the purchase for the exchange for about {$3700.00}.

My balance is now stating on the Comenity Bank Jared credit card the amount of {$10000.00}. Which means that they have {$260000.00} of my money that is due to me. 
I need the following done and explained please : 1 ) I need a refund issued to me by check for {$2600.00} which represents the returned ring ASAP!

2 ) Why did Comenity Bank state my balance as {$7600.00} credit and then when I went to the store for a purchase that wasn't so?

3 ) Why did Comenity Bank accept the credit to my account for the refund of {$2600.00} but denied the debit for the purchase? 
I am very disappointed in this Bank and would like them fined and reprimanded for their actions. I am thanking you in advance for your assistance on this. 
Regards, XXXX XXXX
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (IL)

World Finance is a third party debt collector that is reporting negatively on my credit file since XX/XX/2019. I have never done business with this company and this negative mark is harming my reputation. I asked the company to validate this debt pursuant to 15 USC 1692g, sent an affidavit of truth and have not received any reply or correspondence. This company has committed identity theft against me. You shall delete this negative mark off my credit file.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to ask that you please review your records for me and make any necessary corrections. I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date, and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. The only name I go by is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. The only residence I reside at is : XXXX XXXX XXXX XXXX XXXX, GA XXXX. Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2024-03-27
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)

According to the fair credit reporting act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. 

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 2022-11-11
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. (NJ)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon possible : XXXX XXXXXXXX
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (TX)

There is an electricity bill in Ohio that has my name on it, and is in collections. I have not lived in Ohio since I was XXXX XXXX XXXX and I have never owned property or leased property in Ohio as an adult. I contacted the organization a year ago and they have continued to report negatively to the credit bureaus that I am delinquent on {$1000.00}.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

Someone is using my credit card & has spent over {$400.00} on it, all of the purchases occurring in California & Illinois. I am tempted to contact the FBI because I have attempted to inform the credit card company since XX/XX/2018 but can not get hold of anyone at the credit card company. No one ever answers the phone although I have waited on the line for as long as more than 15 min. The message is always the same : " We're sorry but we're experiencing unusual delays. Please hold as your call is very important to us. '' or " We're sorry but all our representatives are still assisting other callers. Please stay on the line as your call is very important to us. '' I did voice a complaint to two employees through the 'chat ' line of this credit card company but each time was told that they can not assist me, that I have to call their 'security ' number. I have tried to call the credit card company 's number on my statement ( XXXX ) and a number one of the 'chat ' fellows gave me ( XXXX ) but to no avail. Obviously this credit card company does not care about its customers or the fraud that is taking place. This is the THIRD TIME I have experienced fraud with this credit card company & each time they have sent me a new card but it does not seem to stop the problem. I think it's an inside job. Also, the music while waiting is so loud it upsets my hearing.
Consumer complaint received 2023-08-03
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-09-27
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. (NC)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (GA)

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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION (ME)

SN Servicing has been mailing all of my mortgage billing statements to my ex-husband 's address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  instead of the property address where I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called them and sent them a copy of my divorce decree and they still have not fixed this issue. My ex-husband throws all the statements away. I have tried to log into my online account and my access is denied due to me being behind on my mortgage. When I call for them send me my mortgage billing statements they email me a link to my online account which my access is denied due to me being behind on my mortgage. I called on XX/XX/2023 and was told that they would fix the mailing issue and mail me a third party authorization for my housing counselor, but this never occurred. Again I called them on XX/XX/XXXX and spoke to a XXXX who was rude and spoke over me so that I could not get my questions answered. She stated that I could not have access to my online account as I am behind on my mortgage, she did email me a recent statement and a third party authorization, but told me in the email that the reason I was not receiving mortgage billing statements was due to me signing up for online statements, which again my access was denied to my online account due to being behind on my mortgage. She put us in a que to speak to another person and we ended up with a man who transferred us into another que to get assistance to log into my online account that I do not have access to due to being behind on my mortgage. I fear this will place me in foreclosure as I am trying to work this out, but how can I if I do not have access to my account either by mail or online and when calling the servicer they are rude and not helpful, just accusatory as I am behind on my mortgage.
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C. (WV)

I was not properly notified of the debt until after it was turned into collections. I have since paid & satisfied the debt. I contacted the debt collector and they stated they will not remove the satisfied debt from my credit report!
Consumer complaint received 2023-01-25
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 accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-27
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. (NC)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-08
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. (MD)

On XX/XX/2023, XXXX Transunion, and XXXX reported adverse information on my credit report without authorization, from the following financial institutions : XXXX. XXXX XXXX XXXX XXXX ( CLOSED XXXX ) XXXX XXXX XXXX ( CLOSED XXXX ) 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX  XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX XXXX ( CLOSED XXXX ) XXXX. XXXXXXXX XXXX XXXX CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXXXXXX XXXX  ( CLOSED XXXX ) In accordance with the Fair Credit Reporting Act, I have asserted my rights to privacy. The consumer reporting agencies stated above as well as the financial institutions lack my consent for sharing my information. They've reported adverse information without authorization, which violates the law. I must point out that 15 USC 1681, section 604 ( a ) ( 2 ) states that : a consumer reporting agency can furnish a consumer report only with explicit written consent from the consumer in question. In this case where the aforementioned financial institutions providing information to credit agencies, I have not granted any form of consent, whether verbal, non-verbal, written, or implied to XXXX, Transunion, or XXXX or any of the financial institutions. I hereby revoke any such consent that might have existed. Also in accordance with 15 USC 6802 ( b ) ( c ), financial institutions are restricted from sharing nonpublic personal information with nonaffiliated 3rd parties unless consumers are informed of their ability to opt out. I was never informed by the mentioned financial institution of my right to exercise this option. Moreover, as stipulated in 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency is permitted to include specific adverse information in a report without authorization, unless it pertains to convictions older than 7 years. The account ( s ) listed above that are being reported falls within this category of adverse information, and its reporting without my consent is in violation of the law.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-08-08
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. (TN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft.
Consumer complaint received 2018-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MA)

On XX/XX/2018 I received a Forearance Agreement from Seterus Inc the mortgage holder on my home. There were several discrepancies from what I was told over the phone the previous two weeks by representatives of Seterus I was told I could apply for a loan modification before the end of the agreement and if it was denied I would still be able to reinstate the loan by paying the monthly amounts past due and the difference in the forbearance payments and the monthly amounts owed The Forbearance Agreement however states " The loan will not necessarily be reinstated. '' Also on XX/XX/XXXX I received a " Notice of Acceleration '' from the XXXX Law Firm indicating they were going ahead with foreclosure. Attorney XXXX from XXXX was unaware of the Forbearance Agreement. 

Further, representatives from Seterus said they have no control over legal costs which opens the door for XXXX to rack up legal costs during the forbearance period. 







.
Consumer complaint received 2023-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NJ)

Re : New XXXX  Card Account Without My Knowledge On XX/XX/XXXX and also a day or XXXX previous, XXXX  I called my Citi XXXX ( XXXX ) and wanted an additional card for my daughter ( on my existing credit card ). 

Both days the representative said they needed my daughters SSN and address and I balked, asking why do you need this information when I am responsible? No answer given. I gave them the information because I thought that was the procedure to add another card holder to my own account. 

A few days later, a new Citi credit card was sent to my daughters address which included a XXXX card for her and me and I learned that she was the major card holder! This is fraud and adds up to the necessity for these banks to add new customers to brag to their XXXX and XXXX XXXX XXXX. 

I finally threatened them with closure of my account and they sent me a credit card with my XXXX name on it. Then I wanted to close the fraudulent account ( I never activated the cards ) and to make it difficult to close the account, they said they needed to talk to the primary card holder!
Consumer complaint received 2023-08-08
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. (NC)

Ive reached out to all 3 bureaus going over my rights that have been violated numerous times I also have disputed several of the items on my credit report as incorrect some of them over 7yrs XXXX that just need to be deleted moving forward hopefully for the ones that dont please keep in mind how important credit is for people I will list accounts in fraud case I also sent it by mail to each not all bureaus have the same accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I am reaching out to address a concerning issue regarding my credit file. Upon reviewing my records, I noticed a collection entry from your agency, which has sparked my attention as I had not been previously informed about this collection. Moreover, I harbor serious doubts about the accuracy of the debt being claimed. In accordance with the Fair Debt Collection Practices Act, I am entitled to request validation of the debt. Therefore, I kindly request that you furnish the necessary validation and take appropriate actions to resolve this matter.