davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

Comenity Bank - Store Card JCREW I had one monthly statement where I was 2 days late in making my payment for a purchase amount of {$14.00} which was paid in full back in XX/XX/XXXX. I had requested for a grace period reversal of a late fee and the bank refused. Since then the bank had continuously charged me monthly late fee and interest which have now accumulated to {$200.00} as of XX/XX/XXXX. I have also made a dispute to the bank of these charges. 

At this point, the bank is totally taking advantage of continuously charging me this late fee and interest while the account is closed.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan These is a closed account yet it reports charge off every month since XXXX XXXX to XXXX XXXX then it stops reporting on XXXX. 


These account shows charge off since XXXX XXXX to XX/XX/XXXX then on XX/XX/XXXX a payment was made then a another charge off on XXXX to XX/XX/XXXX on equifax These account shows no payment history after the charge off on XXXX XXXX. 

why are these reports all different if its been reported from the same creditor.
Consumer complaint received 2023-05-24
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: VW Credit, Inc (WI)

Volkswagen credit is reporting inaccurate information in my consumer report. There are multiple inaccuracies, discrepancies, inaccurate information, incomplete, untrue, unverified and incorrect information on my consumer report. Volkswagen has been very challenging to work with upon my requests and very misleading in the information they provide to consumers regarding disputes. 
The disputes I am requesting investigation into are the following under my consumer rights in accordance to FCRA and under 15 usc 1681, which stated factual information and the most accurate information must be reported. 
1 : inaccurate repossession status on consumer report. This furnisher is reporting an incorrect/ inaccurate repossession & reinstated loan status on this account. This load was completely paid in full and the account was closed in XX/XX/XXXX. Up until this date XX/XX/XXXX this furnisher has continued to actively report on a monthly Basis the same inaccurate information. This furnisher has failed to update the account status to closed and paid as agreed for the last 7+ years. This needs to change and be updated to closed and paid as agreed. 
This creditor unlawfully repossessed the vehicle in XX/XX/XXXX. After a payment plan was agreed to by the billing department, the creditor later admitted it was a mistake on their behalf and reinstated the loan, however is was also inaccurate as the car shouldve never been repossessed so therefore should had a reinstated status, They never changed the status as it remained as repossessed and reinstated. This status needs to change to closed and paid as agreed. This violates my consumer rights under 15 usc 1681 which states transactions history by the consumer are not to be reported. 
2 : late payments discrepancies across all these credit reporting agencies. Volkswagen continues to report inaccurate and unverified text payments in my consumer report. They report multiple late payments across all agencies, all with different dates, length and months. This information needs to change and these late payments need to be removed and updated as paid as agreed never late. I request method and mode of verification of such information for each and every credit reporting agency that has been issued this information to. 
Lastly : I will attach the letters with the information I am disputing and the documentation Ive been keeping in my attempt to Work with this creditor.
Consumer complaint received 2023-07-24
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: Bread Financial Holdings, Inc. (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — Store credit card
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: TD BANK US HOLDING COMPANY (TN)

On XX/XX/XXXX I was charged for a late fee. I contacted Nordstrom card services and spoke with following my hospital stay as I was diagnosed with a XXXX XXXX diagnosis. I explained the situation as to why I was late on my FIRST PAYMENT EVER and was told that I wouldn't be reported late. I was assured the issue would be taken care of so i didn't follow up with a credit report until now. I followed that call with a payment once i was out of the hospital Upon checking my credit report I indeed was reported as late. I called and spoke with the credit reporting team at Nordstrom and they would not help, nor look into the concern or issue. I am trying to purchase a home and this is affecting Me because of this.
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

XXXX XXXX was offering puppies for sale on XXXX. I inquired. She requested {$100.00} be sent to hold the puppy. After doing so thru XXXX, she requested more money. I told her I'd give her the rest in cash. Once i requested the {$100.00} back, she blocked me. I contacted Chase, & they said they had no recovery.
Consumer complaint received 2022-11-28
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I prepaid for a rental car through the capital one venture card travel portal on XX/XX/22 for {$240.00} and the statement shows my remaining balance will be {$100.00} upon arrival. However, I was doubled charged for the amount in addition to a deposit that I wasnt informed about, plus the remaining fees. I reached out to Capital One to inform them about the payment issue and informed XXXX and XXXX at Capitol One that XXXX does not show payment that my credit card was authorized for which I have written documentation and a snapshot that it was prepaid with Capital One. Due to this issue, it ruined my vacation experience due to the bait and switch tactics, not getting this issue resolved in a timely manner and paying more than what I agreed to pay prior to renting vehicle and now not being able to get the points incentive for booking through Capital One Travel.
Consumer complaint received 2023-05-31
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$520.00}
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I received a message on my phone to confirm Chase credit card transaction, I replied with NO, as requested in the message as I did not perform the action then received another message that someone from chase bank will call. I received a call from chase bank No. ( The same No. at the back of my Debt ), the person introduced himself as a Chase bank officer told me that my credit and account was compromised and that I need to open a new account, he walked me through the app to transfer the money to the new account and give me the name of XXXX XXXX as bank officer and I transferred {$7500.00} to the new account, I was told that I will receive another call and I need to confirm the action, when I asked how I would know that I am speaking with Chase Bank, he told me to look to the number he is calling from and compare it with the number at the debt card back and so I did and it was the same number, later I received a call and I was asked to confirm the transaction and I replayed that I confirm the transaction for opening new account. After few minutes I checked my account over the bank application and found out that the {$7500.00} withdrawn from my account and no change on account number, I called the same number XXXX XXXX XXXX XXXX and I was told that the bank called only one time to confirm the transaction and it was confirmed and completed and this is not considered as a fraud as I performed and confirmed the transaction myself. I sent to chase bank all what happened through the secure message center and they replied that they will get back to me within 1 business day. Chase called this morning and informed that they already contacted the bank the money was transferred to, and the bank replied that they can not do anything. 

I believe the bank should have helped more and secured my money back for the following : 1- The fraud/scam call that I received was from Chase bank number, same # at the back of Chase Debt card. The bank never informed me as a customer that a call from Chase Number might be a scam.

2- I called the bank 10 minutes after the incident, the transaction was still pending, and the bank refused to call the transaction off, due to the fact that the scam call came from Chase Bank Number , they should have procedure to stop transaction even if transfer was confirmed first time.

3- The Bank should educate the clients with possible scam calls or fraud, but we never received relative information from the bank. 

Thank you
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank toward me as a consumer have been treating me and affecting my credit wrongfully. I received a letter dated XXXX ( attached ) I opened this card through Lowes back in XX/XX/XXXX. I have not used the card since. 
Synchrony has treated me very unfairly and rude. They lowered by credit line " twice '' to what I owe on it and for no reason and negatively affecting my credit score. My payments have been made every month and I am on automatic payments now. Now again this month, XX/XX/XXXX, they lowered it again to what I owe on it for no reason. The letter states these reasons which are highly mannered to attack consumer for no good reason : *High ratio of balance to credit limit over the last 3 months is too high on this account. *The ratio of last payment to amount due is too low. *The number of months since the account was opened is too low. *The average payment on this account over the last 6 months is too low. Again, I have not used this card since almost a year ago and they have been constantly monitoring my credit and mishandling my credit bureau score. They have lied on the letter about my score which is XXXX XXXX lower than my actual score. I spoke to a XXXX who would not give me his last name or any other ID today and complained to him about this letter I received and the reasons they gave are completely wrong and inaccurate. He stated they do quarterly reviews of my credit report. I told him the reasons on this letter are wrong. Every month my minimum payments are made and these payments have been put on Autopay also. So these reasons are completely inaccurate and I advised they are affecting my score negatively every time they pull down the credit line which I was originally given XXXX and they decreased it to what I owe TWICE for NO GOOD REASON!!! I have not used the card since XX/XX/XXXX LAST YEAR and I have been making every monthly payment since!!!!! This bank is screwed up. Also, they are now adding a monthly charge of XXXXXXXX XXXX XXXX to your balance owed for paper statements if you don't opt out of paper statements.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (TX)

XXXX has not properly investigated the accounts in question on my credit report. I have attached a copy of my report, complaint, along with the accounts in question. I have communicated that these accounts are unverifiable and MUST legally be removed from my credit report. I sent my dispute via certifed mail : XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX To Whom It May Concern : I am the XXXX XXXX XXXX XXXX for XXXX ( age XXXX ) and XXXX ( age XXXX ) XXXX and am writing on their behalf regarding a disturbing series of interactions with a company that is harassing them and claiming that they owe them a debt. 

The XXXX reside ( since XXXX ) at XXXX XXXX XXXX XXXX. 
Several weeks ago, a man came to XXXX XXXX and put some papers in her hand that she did not understand for XXXX XXXX. The person in these papers is not my client XXXX XXXX, who has not had any dealings with the vendor. 

This person threatened a frail and incapacitated XXXX XXXX and told her she has a duty to give this paper to XXXX XXXX. XXXX XXXX angst has been heightened by a letter sent to her home erroneously regarding XXXX XXXX. 

They are both elderly and frail and can not get around. They want the harassment to stop and asked me to write this on their behalf. 

Please help. 

for, XXXX and XXXX XXXX
Consumer complaint received 2022-11-25
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. (CA)

I have reached out to Transunion over 20 times through the last 30 days between phone calls, letters, and e-mails to your executives which have all gone unanswered. 

To date Transunion has triggered an unsolicited fraud alert and unilaterally decided to send that information to the other 2 major credit reporting agencies. 

Since the fraud alert, I have called in to confirm that I had given no consent for any changes to be made to my account and had been assured on each occasion that the fraud alerts have been lifted. 

I can confirm that Transunion still has my credit frozen. So I repeat, I demand that ALL reports through Transunion under my name are to be unfrozen immediately as I never requested or gave any consent for a credit freeze to be implemented or communicated to another report as that constitutes as non-public information.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I signed up for myEquifax on XX/XX/2022 to freeze my credit but was never able to get into the website due to an error. " We are temporarily unable to complete this request. Please try again later. '' I was able to freeze XXXX and XXXX but forgot to go back to Equifax until I got an email on XX/XX/2022 that someone pulled a hard inquiry on my Equifax report. I still can not log into the website to either freeze my credit or check my free annual report.
Consumer complaint received 2023-04-27
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. (IN)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$14000.00} XX/XX/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
Consumer complaint received 2023-05-24
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: PENTAGON FEDERAL CREDIT UNION (NY)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX PENTAGON FCU XXXX Balance XXXX XXXX
Consumer complaint received 2020-08-07
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: Bread Financial Holdings, Inc. (GA)

I have a loan with XXXX, XXXX XXXX and CB/VICSCRT. I have always made my payments on time. As you can see, I have always had a XXXX   payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and XXXX, XXXX XXXX  and CB/VICSCRT with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-01-07
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. (CA)

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX ... . Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX ... . Balance : {$28000.00}
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CBC Companies, Inc. (NC)

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.