davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (VA)

Hello, I purchased furniture from Arhaus on XX/XX/XXXX and XX/XX/XXXX with total XXXX with a 6 months promotional ( I was told to make equal 6 months payments and no interest will be charged ) I do that with other companies with no problem, so it wasn't the first time. 
Starting my first bill, I made equal automatic payments for more than the amount needed to ensure no issues in my billing. The payments were automatic for {$1200.00} every month. 

The automatic payment are paid on the bill due date ( that was the option on the company 's website ) Equal payments were made through XX/XX/XXXX automatically and properly deducted, until I receive a new bill on XX/XX/XXXX showing finance charges of {$830.00}. 

I contacted the credit card company on XX/XX/XXXX and they said that I had to do my last payment manually because the automatic payment doesn't reflect it on the correct date. 

At this point, I am not sure what are my next steps since I made proper payments on the due dates but they are overcharging me {$830.00}. I appreciate your assistance.
Consumer complaint received 2022-11-02
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. (DE)

My name 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 2022-11-02
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. (DE)

My name 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 2021-05-10
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: SYNCHRONY FINANCIAL (KY)

Someone had submitted multiple fraudulent applications with multiple banking institutions, including with SYNC/BELK, SYNC/DICKS SPORTING GOODS, XXXX and XXXX XXXX. ( all were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). The credit inquiries resulted from filing credit applications with the above listed institutions have already been reported to all 3 credit bureaus and has already begun to have a negative impact on my credit score.
Consumer complaint received 2021-05-10
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (TN)

On XX/XX/2021, Navient contacted my aunt, who is not related to my accounts in any way shape or form, regarding my account and reference number. This happened years ago and I reported them then as well. This is completely unacceptable and bizarre as she has never helped me in any financial fashion. I don't know how they got her phone number or anything.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to get this state tax lien removed from my credit profile but the credit agency does not want to remove it. Therefore, I request the assistance of the Consumer Financial Protection Bureau to help resolve this issue as it has hurt my ability to obtain credit.
Consumer complaint received 2022-11-02
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. (OH)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally consumers right to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX along with XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX and XXXX along with XXXX XXXX XXXX Account Number : N/A Account Name : Student Loans XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Department of Education 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 15 U.S.C 1681c. ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other items of adverse information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-02
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. (FL)

My name 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 2021-05-10
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: Self Financial Inc. (MD)

On XX/XX/XXXX, SELF agreed on removing the inaccurate information on the 3 credit report companies such XXXX XXXX and XXXX ( see letter attached ). XXXX and XXXX had removed this account from my credit report already, however, XXXX hasn't done anything to correct this inaccurate information. Please send another universal update to remove this account from my credit report immediately. 

ACCOUNT : XXXX XXXX XXXX {$0.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00}
Consumer complaint received 2017-04-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC (TX)

I disputed debt XXXX from my credit report and it was removed on XX/XX/XXXX under debt collector XXXX, XX/XX/XXXX under XXXX debt collector, XXXX/XXXX/XXXX under debt collector XXXX, and XX/XX/XXXX under debt collector XXXX. Now another creditor-Pendrick Capital Partners XXXX have placed the debt back on my credit report without notice or validation of debt
Consumer complaint received 2023-06-02
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)

The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. The account is listed below : XXXX  XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

In 2020 due to the covid 19 pandemic I could not pay my mortgage, then I applied for a partial claim in XXXX I received a letter dated XX/XX/XXXX saying that I was approved for the amount of {$11000.00}, later in XXXX I receive another letter dated XX/XX/XXXX2020 that says that the partial claim was not approved, I am forced to sell the property for many unfortunate circumstances, at that time the title company finds that there is a link in XXXX XXXX CLERK OF COURT, XXXX XXXX XXXX, The tile company decides to hold the amount of {$11000.00} until HUD or FHA send the payoff of that supposed second mortgage which was not paid to my loan which was already paid in full on XX/XX/XXXX, until now XX/XX/XXXX / XX/XX/XXXX I have not received an answer as to what happened with that money, I have called and sent emails to the 3 companies involved in the transaction and I have not obtained any answers, I need to close a business in a new property and I can not do it until this problem is clarified. I appreciate the help you can give me.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, after having contacted Capital One to confirm that there would be no fees for transfer or for exchange of currency from Euros to dollars ( Capital one claimed that there would be no fees ), I chose to initiate an international transfer to Capital One, rather than the XXXX XXXX XXXX XXXX, who charges {$25.00} for international transfers. However, Capital One did not disclose that they do not use the Federal Reserve and a good exchange rate, but rather use an intermediary bank that charges not only a fee but also uses a poor conversion rate that results in a loss of approximately 2-3 % of the funds. Since I use a major credit card with no fee, I'm aware of how much variation there is in the currency exchange rate and this far exceeds normal variation. In addition XXXX uses the Federal Reserve currency exchange rates and I will be using them in the future to avoid this problem. In response to my complaint, Capital One has stated, " Capital One received funds totaling [ [ REDACTED ] ] Euro and converted the funds to US Dollars at an exchange rate of 1.153, which was the accurate rate for XX/XX/2021. Please know that resources available online to consumers often show exchange rates for bulk conversions in the millions of dollars. '' Note that the exchange rate on XX/XX/2021 was in fact XXXX, and was never below XXXX during that entire 6 day time period, and that XXXX in no way represents an accurate rate for XX/XX/XXXX, XXXX https : //www.federalreserve.gov/releases/h10/hist/dat00_eu.htm Is Capital One not required to disclose the use of an intermediary bank or subpar currency exchange rates? This represents a huge loss of funds that was not disclosed to me, and thus represents deceptive banking practices.
Consumer complaint received 2016-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Account Services Group, LLC. (NM)

Man 's voice, no name. Said was " XXXX '' and that failure to respond would result in legal action. Did not identify any account that they are collecting for. Called 3 times in 5 minutes. Their number is XXXX.
Consumer complaint received 2022-11-02
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX  Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX / XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021, I received a notification in my cellphone that I have a pending transaction in XXXX XXXX  App. As I check it there is a pending transfer and immediately I called XXXX XXXX using my cellphone and my cellphone can not doesn't have an outgoing call. So, i used my employer 's landline phone. And I check my other bank accounts chase and XXXX the XXXX have a pending XXXX transfer and Chase account is freezed. When I call chase, they told me that there is a wire transfer of two transactions of XXXX dollars, total of XXXX dollars. I told them it's unauthorized and that is not me. And they said I need to file a complaint or affidavit letter which they will provide. So the next day, XX/XX/2021. I went to chase branch near in my place and file the " forgery packet '' which they provide and sent it to them with the help of their local branch which confirmed they received it. And on XX/XX/2021, I went to the XXXX Police department to file a police report and send the report to chase to their local branch thru fax on XX/XX/XXXX and XX/XX/XXXX to resend the " police report from XXXX Police department '' and the form from FTC for the identity theft report and the form which I filed from IC3 online. I send the 3 supporting documents to them even they did not requested it. Since XX/XX/XXXX, every day I am calling Chase claim department just to make follow up of the status of my claim. I am so desperate that I need the money back to my account because I have so many obligations like mortgage and recently my son is XXXX XXXX and that cause me and my wife to XXXX more than XXXX weeks on XX/XX/XXXX XXXX. We are being depleted to our funds. And when I call chase last monday XX/XX/2021 to follow up again and they said that I need to wait for 5 business days after the escalation of the status of my claim for the fraudulent wire transfer of XXXX. I just received the letter from chase denying my claim that I reported on XX/XX/2021 and filed an affidavit or their forgery packet on XX/XX/2021 and send the supporting documents on my claim. On their letter they said that I benefited from this fraud. That is not true. My account from them is been compromised as well my other bank accounts and online monetary site like XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX. All of them have refunded me and reversed all the fraudulent transaction happen on XX/XX/XXXX. And on XX/XX/XXXX, I received a letter from XXXX stating that my account from them have been compromised and unauthorized activity happen on that day, XX/XX/XXXX. 
PLEASE HELP!! I AM DESPERATE TO RECOVER MY MONEY IN OUR BANK. ME AND MY WIFE IS WORKING IN THE XXXX AND THIS THINGS HAPPEN. CHASE DECISION IS WRONG! PLEASE HELP US!
Consumer complaint received 2021-05-11
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. (TX)

I am puzzled that the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 

Prove to me that the inclusion of this inquiry complies with this federal law, or remove them now. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX
Consumer complaint received 2022-11-02
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct this immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-26
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. (OK)

This collections is showing on my credit report with XXXX, XXXX, and XXXX. I have disputed the information as i had attempted to pay the late rental fee with XXXX XXXX XXXX XXXX XXXX  that took place during covid 19 due to my loss of employment. The XXXX XXXX XXXXXXXX XXXX denied my late payment and went on with evicting me. As i went through the process and was left homeless. I have disputed and get notified that dispute report submitted by consumer meets requirements of the fair credit act, however XXXX XXXX XXXX conginues to report deliquency on all three credit bureaus. I am native american XXXX XXXX XXXX XXXX., and ask that the credit reporting avencies stop reporting derrogatory info on my credit profiles as it is damaging to my credit. I need contract documents, eviction notice, refusal on late payment docs mailed to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, why they are reporting the debt on my credit but not on my public profile? This is reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX account number XXXX XXXX XXXX XXXX has failed to update the status of the collection since XX/XX/XXXX however has updated balance due info XX/XX/XXXX. The
Consumer complaint received 2024-03-26
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. (GA)

This grumbling to EQUIFAX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the XXXX XXXX XXXX XXXX, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the XXXX  numbers XXXX ; XXXX and XXXX
Consumer complaint received 2021-05-10
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. (FL)

In the past few months I was shopping for a loan to buy a vehicle. When I went to find out why my FICO score had dropped by over 40 points at Experian, the website showed the amount of new credit as being 'FAIR ' because these inquires. They were : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Of these financial institutions I only used one for a loan XXXX XXXX Lending, which was paid off within two weeks. 
When I called Experian on XX/XX/XXXX I was on the phone for an hour and never got an explanation on why this was a negative affect on my FICO score. They sent me from one department to another. Their explanation was that each Credit Bureau had their own method of creating a FICO or Credit score. They told me to get a third party to intervene. I told the Experian representative that the algorithm used by Experian was their problem and that they had the responsibility to explain how this effected me negatively and fix the issue. 
I find this to be intrusive upon my ability to SHOP for the best Interest Rates and length of a loan without being penalized. No one should be subjected to this disparity just because off an inquiry. If I had taken loans with each of these financial institutions, then I could understand it affecting my FICO and Credit Scores. I was also told that there was no way to have this information removed for two years. That is unacceptable. Now I have excellent credit, but what about other people who are struggling to get a loan and are also doing multiple inquires. NO ONE SHOULD BE EFFECT THIS WAY.
Consumer complaint received 2016-09-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc. (CA)

It was XXXX, I was working a part time and borrow {$110.00} from Advance America, a payday loan predator company. At, the time, I lost my wallet and all of the contents, which contained my id, ssn, and other pertinent information. 

On XXXX XXXX, XXXX ; I get a call from them out of the blue, from a company that claims that are attempting to collect a debt from them. This company, is harassing me, and I want it to stop. Not, only, to they charge enormous interest to poor young and old they do not stop until they get paid. Please do something!