davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

Tried to use my card XX/XX/18 and XX/XX/18 and it was declined. Called the number of the back of the card to find out why and after being on hold for nearly an hour was told they couldn't help me. I needed to talk to a specialized fraud department. Gave me a phone number ( XXXX ). Have called them numerous times and get left on hold. System automatically cuts you off after 2 hours so you never get to the front of the line. I have spent nearly 15 hours trying to get someone to answer the phone. 

Not only can I not use my card I can not pay my bill online or collect on my earned cash rewards. I want my money back and then I am done with this company ... it is absolutely disgraceful that they would shut a persons card down and then not answer the phone.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim *of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. XXXX Account Number XXXX XX/XX/XXXX {$2100.00}, XXXX XXXX XX/XX/XXXX {$2000.00}, XXXX XX/XX/XXXX {$8000.00} XXXX XXXX ending in XXXX
Consumer complaint received 2023-09-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (TX)

I was not aware of any debt and was not contacted by anyone before the company I was renting from put a debt ( that has never been itemized ) in collections. I have still never received an itemized statement or why I owe the company any money.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I notified the police on XX/XX/2020, I filed a report regarding credit cards being stolen personal items being stolen, etc. I have contacted the numerous credit cards I have sent them the credit report and I have filed fraudulent dispute. At this time they continue to charge me to the car to continue to stay open even though Ive closed them, I am at wits end I am XXXX and I have tried everything I can. I can not play the amount that theyre stating, I can not pay the minimum which they state I need to pay while its been resolved. I have sent them every documentation that they have requested. I need help
Consumer complaint received 2022-10-19
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. (TX)

The card was lost. some of the charges are inaccurate, they closed the account several years ago and charged it off. however they still continue to send me emails stating XXXX XXXX recently sent me a communication about different settlement options that are available to help you resolve the balance on your account referenced above for less than what is owed. 

These offers are time sensitive so please click the tab below to review and select the settlement option thats right for you by XX/XX/2022. the account has been closed and charge off for several years. but they continue to increase and update the ballanc. the same on the account is spelled wrong. the charges on the account happen in XXXX. I to send me a original contract, the payoff disclosure and the Balance history, payment history to verify the signature that its my account are they need to remove it from my file. again my name is XXXX XXXX XXXX not XXXX XXXX thats incorrect information
Consumer complaint received 2022-10-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-20
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: Bread Financial Holdings, Inc. (MI)

I had a XXXX XXXX credit card managed by XXXX XXXX XXXX for XXXX years without a problem. 

The management of this XXXX XXXX card was transferred over to Comenity Bank  around XX/XX/2022. 

My last payment of {$3200.00} was paid electronically to XXXX XXXX XXXX on XX/XX/2022. 

Comenity Bank is saying they received the balance of {$3200.00} but not the payment. 

I have created a dispute with XXXX 's customer service department and give them proof on my payment from my XXXX XXXX. 

After 5 months of " back and fourth '' Comenity canceled my dispute because of " invalid documents and a letter was sent requesting for front and back copy of cashed check or electronic transmitted form to proceed with dispute. '' In this communication they also added. 
" To protect your rights under the Fair Credit Billing Act, we need to receive your dispute in writing within XXXX calendar days of the date on your first billing statement that contains the disputed transaction. '' It now appears like Comenity has been stinging me along for the past 5 months. 
After multiple phone calls, being hung up on, transferred to different departments, force to communicate on-line which takes them weeks to respond, I am now turn over to collections. 

Please help.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (CA)

XXXX from Legal Administrations called me from XXXX ext XXXX. Stating that she was calling from a Law Attorney office and needed to verify my address and my social security number because she needed to serve me documentation. She also stated that the law office would be filing a judgement against me to start garnish my wages from my employer if I didn't settle this debt immediately. I've told her countless of times that I've never been contacted about this before. They contacted my aunt originally and NOT myself. my aunt gave me their number to call back to see what this was about. I've asked for Documentation from proof of this debt she said there wasn't much information that she could provide me because the case was sealed and that all she could see was that it was coming from the XXXX XXXX XXXX. I've asked if i could dispute this because I've never had a debt with Lane Bryant. Apparently this is who i own money to but she said it was to late to be disputed. I mentioned to her that I dont see this on my XXXX XXXXXXXX and she told me that XXXX  XXXX is a fraudulent website the doesn't necessary show all of our debts and that's why I haven't been able to see that I owe this debt. I told her i wouldn't make payment until i received proof of this debt but i still haven't received anything.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 
Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXXXXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXXXXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
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. (CA)

In accordance with the Fair Credit Reporting act, 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, have 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 a account without my written instructions.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (GA)

I sent a certified XXXX letter to XXXX XXXX XXXX referring g to account beginning in XXXX asking them to verify a debt that I owe to them. They have ignored the request to verify the debt in the allotted time allowed by the FCRA
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (MN)

Personal Statement I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus Experian XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (PA)

I applied for a refinance with Better Mortgage. I locked in a rate of 2.37. The appraisal on my house came back significantly lower than an appraisal that was completed in XX/XX/2019. When I spoke to the loan officer, XXXX XXXX, she said there was no issue with the lower appraisal. It just required the loan amount to be dropped a few thousand dollars. We continued the loan process and I incurred costs for a mortgage payment and just the general strain of getting documents together. As we were ready to close, I asked why the rate on the lending disclosure was 3.0 and not the 2.37 which had been locked. It took several days for them to get back to me. XXXX XXXX finally emailed me and told me that because the appraisal was lower than what was on my application, they had to raise my rate. XXXX XXXX never responded to any other email I sent regarding how nobody told me the rate was raised until we were at the final stages. I received no response to a question on what amount of loan would be subject to the locked 2.37 %. I got an auto generated email from Better with my appraisal. I also got a refund to my credit card from better with no explanation. To be clear, better emails you constantly with updates, questions and posts everything on their website. But they provided no information to me. They also appear to have removed my documents from the account. 

A company should not be allowed to significantly change the interest rate at the last minute. They also should not be allowed to just end communications once you inform them that youre not willing to allow that type of behavior. 

Had XXXX XXXX informed me the appraisal would increase my interest rate so significantly, I would have challenged the appraisal immediately. I have a current appraisal that sets the value far higher. But I was not afforded any opportunity to address the issue. And Better cut off all communication. 

They tried to rush me into doing a mortgage that would save me {$40.00} a month. Why would anyone be willing to do that.
Consumer complaint received 2023-07-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX has a collection for {$420.00}. I canceled them because they were too high and I got XXXX, I have contacted both but its still on my credit report. I disputed and they dont investigate. They always believe the perpetrators.
Consumer complaint received 2023-07-21
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 inructions 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
Consumer complaint received 2023-07-21
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. (NC)

XXXX XXXX XXXX XXXX reporting that I have missed 3 payments since XXXX, and have a {$200.00} balance. I have called and verify that I havent missed a payment and am in good standing, and was told that I would have to contact each of the credit individually to fix this error in reporting.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

Company Closed Account Then Charged It Of 15 US Code 1666b Timing Of Payments A Creditor My Not Treat A Payment On A Credit Card Account Under An Open End Consumer Credit Plan As Late For Any Reason 15 US Code1666 Correction Of Billing Errors 15 US Code 1681B Permissible Purpose Of Consumer Rights Section 602
Consumer complaint received 2022-10-20
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)

I have disputed this to try to get it corrected and nothing was ever done. There is an account XXXX XXXX XXXX  showing I owe a balance of XXXX which is not right. Insurance paid off this loan. Please help assist me to get this removed as it is inaccurate
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit Management is attempting to collect a debt that I do not owe them. It specifically says debt buyer on my credit report, which means they purchased my personal information without my consent or knowledge which is considered identity theft. 15usc 1681e ( b ) suggests i should have maximum accuracy over my credit report and the things that they are reporting. They can not provide a binding contract between myself and Midland saying I agree to do business with them or owe them anything. Them providing copies from the original creditor is not proof I owe Midland. According to the Constitution, the only way you can pay a debit is with silver and gold! Everything they are reporting does not meet the FCRA 15usc 1692 g. they have not been willing to provide me with the requested documentation. I believe that their failure to properly verify the debt is a violation of my rights under the Fair Debt Collection Practices Act. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Midland Credit Management complies with the law. I would also like to request that Midland Credit Management be held accountable for any violations of my rights as a consumer. Statue of limitations have passed from original creditor.
Consumer complaint received 2023-07-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MID FLORIDA FINANCING LLC (FL)

On XX/XX/XXXX I filed a complaint with the better business bureau against the company for reporting a balance on my credit report after responding to that complaint stating that my account with them would be paid by collateral meaning by returning the vehicle they would accept it and XXXX the account out they got the vehicle but added a balance to my account of XXXX when it should state XXXX balance owed in the remakes it states involuntary repossession which I called them to pick up the vehicle so they are in possession of the car and here it is XX/XX/XXXX and the company has yet to update my account
Consumer complaint received 2018-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 at XXXX XXXX  pst i used a Chase bank ATM to withdrawal {$500.00} I did not receive any money from the ATM and the receipt that was dispensed clearly states it as well. However, my card account was debited a total of {$500.00} from Chase. I contacted Chase by phone and also went in the branch spoke with the Branch manager which told me they are unable to do anything right now since I do not have an account with Chase so I need to contact XXXX XXXX and have them initiate the dispute. I then contacted XXXX and filed a dispute and have also faxed a letter stating what had happened along with my receipt from the ATM and still dont have my money. I contacted Chase numerous times and they just keep telling me they can not do anything and to contact my bank so they can contact them themselves and that they are sorry. I also contacted XXXX numerous times and feel they have not done anything also cause I havent been given any provisional credit and they just keep telling me it can take up to 45 days. None of the banks have done anything for me but give me the run around.
Consumer complaint received 2024-03-08
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. (CA)

In accordance with the Fair Credit Reporting actXXXX 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  have 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 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed this to try to get it corrected and nothing was ever done. There is an account XXXX XXXX XXXX showing I owe a balance of XXXX which is not right. Insurance paid off this loan. Please help assist me to get this removed as it is inaccurate