davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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: Bread Financial Holdings, Inc. (TN)

I closed my Comenity Loft Mastercard in XXXX of XXXX. I sent an electronic payment through my bank bill pay ( XXXX ) on XX/XX/XXXX in the amount of {$390.00} payable to Loft Mastercard payment clear date was XX/XX/XXXX for account number ending in XXXX. This amount paid off my entire balance due. I closed this account and made no additional charges on this account. 

Comenity never credited my account for this payment, and I began receiving past due notices/bills the following month. I called Comenity customer service and told them that I had already paid the balance in full. 

I continued to receive past due statements and incurred finance charges and interest charges on the amount even though I paid it in full. I continued to call every month to tell them that I had paid the balance in full in XXXX. 

Comenity asked my bank to provide a proof of the electronic transmittal form, which XXXX did in XX/XX/XXXX and again in XX/XX/XXXX. I mailed proof of payment along with a letter explaining the issue in XX/XX/XXXX and then again via certified mail in XX/XX/XXXX. I also submitted this online as a secured message on the Comenity site and provided the document proof of payment from XXXX. 

I have contacted Comenity every month to get this resolved, they say that the dispute department is handling it, but they said I can not call the dispute department they only communicate via email or XXXX mail. 

I went to XXXX and had the XXXXXXXX XXXX branch manager confirm that the payment was sent in XXXX as I stated above. In one letter, Comenity said they received my payment and then returned my payment due to an invalid account number. That is inaccurate because the account number listed on my transmittal was correct. My XXXX XXXX branch manager double checked just to be sure and neither XXXX nor me received any payment back from Comenity. Then in another letter they said they never received the payment. How can they say they received it and then say they didnt receive it? ( Im attaching both of those letters for your review as well. ) To make matters much worse, Comenity has reported me in collections to the credit companies and my credit score has dropped more than 100 points. THIS IS NOT GOOD. 

I have tried everything to get this resolved, I am so discouraged. I paid the amount in full when it was due and there should be no finance charges, late fees, or interest payments due, but because they never gave me credit for the payment, they keep sending me bills with interest and late fees. 

I am attaching the proof of payment provided by XXXX as well as the conflicting Comenity correspondence. Please feel to reach out to me and I will answer any questions you have regarding this matter. 

XXXX XXXX XXXX
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: EQUIFAX, INC. (IL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/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 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 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 2022-12-23
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. (AZ)

XXXX Bank is still showing me as a joint member of an account I was removed from months ago. This action has destroyed my credit score from a XXXX to a XXXX, I have attempted to go into XXXX to fix this issue and the inaccurate information appearing on my credit report. The account belongs to my former spouse.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF ED/XXXX  XXXX XXXX Owed : {$48000.00}.
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: EQUIFAX, INC. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX  out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services (CT)

I am writing to seek your assistance regarding an urgent matter involving toll citations for my vehicle. 

To be honest, I am deeply frustrated and feeling quite helpless due to the lack of resolution I have experienced with Mercedes. In XX/XX/XXXX, I received a letter from Mercedes stating that I owe them {$1700.00} in citations. However, I was perplexed as to the nature of this bill, which prompted me to contact Mercedes customer service for clarification in XX/XX/XXXX. According to their explanation, this charge is related to tolls that I owed. 

I promptly explained to the Mercedes customer service representative that I never received any bills from Mercedes regarding toll charges between XXXX and XXXX. Prior to this, I had consistently received bills directly from NY Toll by Mail and had successfully paid them off myself. I did indeed drive through the tolls, but the amount that I am being charged incorporates a large amount of fees for not paying the bills in time, when in fact I did not receive these bills as they were sent to the XXXX XXXX in Texas. In my conversation with NY Toll by Mail, they informed me that they could reopen the toll invoices if Mercedes would reverse the charges, allowing me to pay the actual toll amount without the additional violation fees. I have repeatedly contacted Mercedes for their help in this matter, however I have been diverted from one department/person/supervisor to the next, without any resolution.

At this point, my humble request to Mercedes is simply to reverse the charges to NY Toll by Mail, enabling me to proceed with the payment of the initial toll charges.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (MI)

15 U.S. Code $ 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed immediately.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (CA)

This fraudulent XXXX XXXX account doesn't belong to me. I've been disputing it for over a year but EQUIFAX and XXXX refuse to comply. They haven't provided any documentation validating this account. All they do is send me automated validation letters without merit. It's causing me great anguish, XXXX, and XXXX thoughts. I've been denied approval for a home because of this account. Please remove immediately once and for all!
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (CO)

I applied for this card in XXXX. After a few months of not receiving it, I called ( XX/XX/XXXX ) they said they will report it lost and send a new card. A week later I received a card, activated it and went on vacation to Florida tried using it but was declined. I called again and was informed that card was the original lost card and the replacement card was still on its way. I never received the replacement card! I called again in XX/XX/XXXX and told the representative to cancel the card. They said they would report it to credit. In the mean time I received a bill saying I owe money but the card was never received or activated and should not have a balance owed!
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (CA)

Around XX/XX/XXXX I received a credit monitoring alert that my student loan was paid off and was reported by Mohela as having a balance of {$0.00}. My account showed a balance of {$0.00} on the Mohela web page as well. 

I reached out to Mohela and exhausted every way possible of speaking to a customer service agent to discuss this change to my credit report and was never answered in any kind of way. Because of all of the forgiveness going around I naturally assumed that I was also forgiven like so many others, and proceeded to make purchasing and credit decisions based on this new lower debt status. Then a week ago I was sent a bill with a letter that states I was taken out of forbearance, and my payments would resume as normal. My credit file was also updated to having this debt and my credit dropped because of it.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (FL)

XX/XX/XXXX at XXXX, Spoke with XXXX he stated I was 3 months behind. I previously applied for a 3 month deferment back in XXXX of XXXX. I was then told I was assessed fees and my deferrment was approved back in XXXX of XXXX. I waited to be called back by a supervisor named XXXX. On XX/XX/XXXX I spoke with XXXX who advised my late fee of XXXX, then XXXX, then XXXX is what caused the late payment credit report. I asked why did no one call me, or send something in the mail if there was a past due balance? XXXX stated his company is not obligated to call anyone and if they do it is as a courtesy and I should read my contract. I asked why is there an account solutions department that extends this courtesy to other customers but not me when I expressed I was experiencing a financial hardship? XXXX again referred me to my contract. 

I am disputing the credit report for {$29.00} based on that XXXX never advised me of a past due balance, although they do for other consumers with past due balance, this is not Fair Treatment.
Consumer complaint received 2023-03-11
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: Pendrick Capital Partners (TX)

In accordance to with the Fair Credit Reporting Act, Pendrick Capital Partners, LLC, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section II also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-10
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: DISCOVER BANK (FL)

I was trying to buy a car and I noticed I had damages on my credit report. According to the 15 USC 1681 law, there shouldn't be any damages on my report. This is defamation of my character.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (MI)

Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.
Consumer complaint received 2023-11-30
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)

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. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : U.S. Bankruptcy Court : Account Number : XXXX Account Name : US BKPT CT IL XXXX  : Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 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 2019-12-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Mobiloans, LLC (CA)

Tried to payoff the loan in full and they refused to accept payment. They then sold my account to a collection agency ( XXXX XXXX ) which I was able to pay in full.
Consumer complaint received 2023-03-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc. (AL)

I. the consumer and natural person. was denied credit by AVANT when I applied for a {$3000.00} personal loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Avant- is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Avant due to the response I received.

Avant is in violation of 15 U.S. Code 1642.

U.S.C 168lm and 12 cfr 1002 because I, the consumer made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AVANT because XXXX wasnt approved for the loan
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

this account was opened online on XX/XX/23 {$7700.00} was direct deposited to the account on XXXX i obtained a counter check as i have never written a check off this account and didnt have any checks to pay for a tree service we had that day i wrote the counter check in the amount of {$5000.00} on XXXX the check was presented via deposit and was paid from my account on XXXX the check was returned due to no signature on the account - opened online on XXXX i was called by the Tree company because they had the returned check same day i went to bank and signed a signature form and was told the tree company would have to wait until the next day to cash. 
i told the XXXX i would just take the cash and just pay him. 
first teller told me he could not give me my money because the check had a business name on it and it didn't match my account j- this makes absolutely no sense as i didn't try to deposit it to my account. 
second teller did something and then froze my account so i couldn't get money out via ATM. 
this is not the first time the tellers could not read their system correctly and gave me bad info- THIS IS MY MONEY second teller told me to come back in an hour they had to research the check ; when i asked what exactly they were researching she told me she couldn't tell me. 
again, what's the research for since it was returned from their status of " no signature on file '' at one point she told me i had to wait 5 days to get my money since it was returned. 
it was returned because of no signature on file not because it bounced!!
Consumer complaint received 2024-02-19
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (VA)

My statement contains so many discrepancies, I can not explain them all in XXXX phone call. The statement does not show deposit of XXXX, on the XXXX, or - XXXX, XXXX collection ( XXXX ). It does not show my XXXX direct deposit from XXXX. Amounts : XXXX  & XXXX It shows a deposit of XXXX on the XXXX XX/XX/2023. This did not show on my payment logs for the XXXX. The deposit of XXXX from XXXX, is showing on XXXX. The $ XXXX XXXX from the XXXX XXXX, show on XXXX. I get paid immediately after each order. There are also XXXX other payments that show on the next day and over XXXX  was transferred to XXXX XXXX and should have only been, XXXX. And There is even a charge missing from XXXX. That shows on statement in XXXX, plus XXXX unauthorized transaction.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I voluntarily had a vehicle repossessed from XXXX XXXX XXXX back in XXXX of XXXX. The account then was closed out on my credit report XXXX of XXXX as well. On XX/XX/XXXX the account started to reflect in my open/ current accounts on my credit report when the vehicle was and the status of the vehicle was closed and sold. Ive tried reaching out to the company using the information they provide the the Creditors and it is the wrong number. Ive Also have reached out to Transunion on SEVERAL OCCASIONS and even asked to speak to a manager, which then results in me being hung up on. At this point I am going to contact my family lawyer because by law the information reporting on a consumers credit report should be up to date and accurate.