davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I was notified by Commenity bank that my account would be closed due to not being used. After seeing this information I went to find my XXXX XXXX  but could only find my card for when they were partnered with XXXX XXXX and not Commenity bank. I called and spoke with an employee and provided them my current billing address and requested a card to be sent to that address. They sent the new card to my previously listed address. Which required me to go into the store and make a purchase by obtaining my card info over the phone. I made the transaction solely for the purpose of keeping my account open. I then made a payment for the full amount due only to find out that they had closed my account which I find to be a deceptive practice. They weren't even the ones to notify me that my account was closed. I had a notification from XXXX XXXX that notified me. My experience with the bank has been terrible since the first interaction with them over the phone. When speaking to the customer service representative who took my payment they updated my address incorrectly which I identified and changed online XX/XX/.
Consumer complaint received 2023-02-14
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. (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. Original creditor. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX 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 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 reporting 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 customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX issued me a credit for {$90.00}. Their bank is COMENITY BANK. 
I have asked several times for my credit to be posted to my my COMENITY CREDIT CARD.
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: KEYCORP (WA)

On XX/XX/2023 I had received a check of {$16000.00} from XXXX XXXX  and deposited to key bank account and they said that check was returned and they were a fraud. I contacted by email the person who sent me a check but no more response, until now. 
I had been calling the fraud department and still investigating and my bank is now on restriction, blocked, I dont have access online bill payments, Its the only bank Im having and Im suffering now going out paying bills. 
Please help me to resolve this matter for myself and waiting for your support team to contact me via direct message to my mobile phone number Thanks
Consumer complaint received 2023-01-12
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: Bread Financial Holdings, Inc. (OH)

I have an unauthorized hard inquiry from comenity/ XXXX. I monitor my credit regularly, and as soon as I saw this I disputed it with XXXX and that did nothing. I also tried to call the company but keep getting transferred to a line that stays an hold for very extended periods of time. This is the phone number I called for the credit card company XXXX. 
XXXX was the only bureau where I didnt have my credit frozen, and I now do. I have not sought to open any credit cards or lines of credit in many years. This is absolutely not authorized by me.
Consumer complaint received 2023-05-18
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. (MO)

XXXX reports alleged medical debt that is less than XXXX year past due. 
The legal definition of medical debt is debt that arose from the receipt of medical services products or devices.

I was forced to receive medical services products and devices. Thats the alleged medical debt.

It is irrelevant as to how medical debt is financed its only relevant whether it arose from the receipt of medical services.

Per law Medical Debt can not be reported on the credit report until is at least 365 days past due. XXXX continues to be in violation of this law. 
Please see attachments for the legal description of medical debt. 
XXXX failed to respond my Better Business Bureau complaint about the ledge medical debt. 
I do not want XXXX to disclose any information other than information about the medical debt and how its going to be rich move from my credit report.
Consumer complaint received 2023-02-14
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-01-05
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. (OK)

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be blind because everything is inconsistent.
Consumer complaint received 2023-02-27
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. (FL)

I appreciate you taking the time to delete some of the fraudulent accounts and information from my credit report, but further investigation of my credit report revealed other issues. I observed that many of the fraudulent products are still present. You must delete the fake accounts and information you report on my credit file in accordance with Fair Credit Reporting Act section 605b. Please remove the remaining items from my credit file as quickly as feasible in accordance with Fair Credit Reporting Act section XXXX ; XXXX : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In order to have the fraudulent accounts and information removed from my credit file as quickly as possible, I am submitting this CFPB complaint. Even though I respect the deletion and action you took, my credit file should also have had the remaining items removed.
Consumer complaint received 2022-04-18
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: OneMain Finance Corporation (PA)

I have unauthorized inquiries on my credit report that I have attempted to get removed from my credit report on several occasions to no resolution. As well as disputing these inquiries on my credit report. 

List of inquiries : OneMain Financial : XX/XX/2020 XXXX  : XX/XX/2020 XXXX XXXX XXXX : XX/XX/2020 XXXX  XXXX XXXX  : XX/XX/2020 XXXX  XXXX XXXX  XXXX  : XX/XX/2020 XXXX XXXX of XXXX : XX/XX/2020 XXXX  : XX/XX/2020
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I requested Wells Fargo Bank for a wire transfer of {$100000.00}. 
Transaction Reference Number : XXXX. They said money should be received within an hour and of course there was {$30.00} processing fee. 
Rest assured I left the bank. 
That night, checking my account online I notice something strange : My account showed a withdraw of {$100000.00} and at the same time a credit of {$99000.00}. I was puzzled and confused! I called the XXXX number, wells Fargo customer service. I was told that money was sent and any problem should be solved at the branch level, but branch was closed then. 
The next day the receiving agency called and said that they have not received the funds. 
I went to the branch and talked to the branch manager : XXXX XXXX. He said that there was no problem and money was in fact was sent. I insisted that he would look at my bank account on myXX/XX/XXXX and I showed him the credit of {$99000.00} to my account. He seemed to be puzzled too. I told him that my receiving agency called and said that they have not received the funds. 

He then proceeded to cancel the transaction and tried to send the money again and assuring us me and the receiving agency, XXXX XXXX, on a conference call that the money will be there within an hour. Once again, I left the bank. 

Hours past, our morning turned to and afternoon, aboutXX/XX/XXXXXXXX XXXX called again to inform me that they still have not received the transfer of funds. I was driving out of town, I had to cut my trip short and rush back to the bank again. This time the manager assigned the task to a banker name XXXX XXXX. He proceeded to cancel the second transaction and send the transfer again, Transaction Reference Number : XXXX. I waited for the confirmation of transfer from the receiving agency. An about XX/XX/XXXX she called and said we have not received the money yet and they have to have it by the end of the day by XXXX XX/XX/XXXX. 
I then put the bank manager and XXXX XXXX from XXXX XXXX on a conference call again. She requested because we lost a lot of time, then if possible that the bank would issue a cashiers check? So that I physically take it to their office. Bank manager reluctantly agreed, and I had to rush the check driving 30 miles out of my way to its destination. 

Reason for complain : Each time Wells Fargo debited my account {$100000.00}, there was {$30.00} processing fee. In making correction they credited my account with {$99000.00}. I am short of {$100.00}. Wells Fargo takes a position that US Bank ( receiving institution ) has deducted the money. 

I am however not responsible for Wells Fargo employee 's incompetence in completing a simple wire transfer. Twice they debited my account for {$100000.00} and credited {$990000.00}. In doing so they shorted me {$100.00}. when I asked for correction, they then reversed the last {$30.00} service fee. 
My account is shorted of {$70.00} and should be restored with {$70.00} credit. 

Thank you
Consumer complaint received 2023-02-14
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. (NY)

this complaint is being made by me personally not by a third party or just some template letter. I tried to purchase something on credit and they told me i didnt qualify and then when i looked at my credit report i noticed some accounts that i never signed up for.
Consumer complaint received 2023-02-14
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2021-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (OK)

On XX/XX/XXXX, I paid a principal payment of {$500.00}. My regular monthly payment is due on the first of each month. I have the payment of {$160.00} automatically withdrawn and the loan is current. My complaint is that Best Egg only paid {$440.00} off my principal and took {$59.00} out in interest. The CSR stated that if I wanted to make a principal payment I should do it the day after the regular payment is due. Is this a correct calculation of a principal payment make later in the month as opposed to later in the month? 
Please advise is this is a best practices consumer loan practice. 
Thank you
Consumer complaint received 2024-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST COMMUNITY MORTGAGE, INC. (FL)

I called FCM as I was attempting to get placed on Bi-weekly payments. I'd waited to submit payment since I'd prepaid my mortgage to be sure that I could enroll... There was an issue enrolling in bi-weekly payments & I've got some late fees that I still disagree with. 

I placed a payment with the person on the phone on XX/XX/2024 to be current and was told to call in XXXX for the next payment to process - unbeknownst to me- the payment being as large as it was, bounced in my account. The funds are there. They payment bounced on XX/XX/2024 with no notification being sent to ANY of my communication devices - email, phone, text, ie. I received a generic call ( see attached for transcript ) on XX/XX/2024. Seeing as in the past - these have sometimes been sent by mistake, I ignored it. I've logged in to pay my next months bill only to find the payment has bounced AND I've been accessed a late fee- this will involve me again going through a phone call to work with the agent to get my loan current & I've been dinged on my Credit as they've already processed a late payment on my Credit History. 

How would I have known!?
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$100.00}
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in XXXX of 2020 I file my first dispute with all 3 credit bureaus. 
I have yet to receive anything from that dispute, so I file another one in XXXX and yet again NOTHING. Why is it so hard to send me information I'm asking for? What do I have to do to get a reply from them so I can fix my credit? I should not have to keep filing disputes and writing complaints just to get what I want.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (IL)

I was unable to keep up with 3 chase credit card payments, I spoke with Chase on XX/XX/2023 and made arragments and enterred into a repayment plan with 0 % interest for 5 years, i made the intital payment and chase did not honor that agreement and charged off one account after an repayment agrement was made.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (PA)

This happened at Truist Bank. We had money disappear from our account we went in to the bank on several occasions to get it fixed. They gave us a run around. Someone there started some kind of cash reserve and money was going out without our permission. This happened to several of our accounts. 
On one occasion we went and reported it and they tried to say we did on line. We dont touch anything banking other than transfers between accounts and checking them online.
Consumer complaint received 2024-04-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Genesis Recovery Services, Inc. (DE)

GENESIS RECOVERY SERVICES INC. has a fraudulent default judgment against me for a debt they can not legally collect. Upon my own research GENESIS RECOVERY SERVICES INC. is not legally bonded to go after me for any debts owed because I am a Resident in the state of Delaware. They have been illegally garnishing my wages and exhibiting abusive debt collection practices. They also have been committing fraud by contacting and suing me for a debt that I do not owe them.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX  acct 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

on XX/XX/2020 I mailed in dispute letters to XXXX, Transunion and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home. Also I am a victim of the XXXX  data breach. Its been over 45 days and i have not gotten any results.
Consumer complaint received 2020-06-16
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. (MI)

Experian did not investigate my original complaint Experian just sent the complaint to the furnisher as usually. 
Experian investigation includes the ARM Rule for furnishers : Collection Agency must have a Creditor Code which is not listed.

Collection Agency must report a contract there is no XXXX contract reported. 
Collection Agency must report Full Monthly File which is not presented. 
Experian under the Fair Credit Reporting Act must verify the accuracy of the furnisher like all the above and XXXX XXXX XXXX does not have an license to Collect in Michigan and other states. 
I have sent Experian a copy of the XXXX stating that the only one who is reporting XXXX  as an debit is XXXX XXXX XXXX and Experian. XXXX   states I do not have an account with XXXX .Remove this account immediately and return my 20 point credit score. 
This is an fraudulent Collection Agency Experian let on my credit report without verify the furnisher.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I purchased an item online on XXXX and I sent this person {$150.00} dollars on XX/XX/XXXX. They said they were going to send the item to me and never did. He ended up being a scam. I contacted them and they ended up blocking me and ended up changing their name on XXXX. The number they texted me from and I sent the money to was XXXX XXXX XXXX XXXX. Their XXXX was XXXX XXXX but they changed it toXXXX. I contacted chase as well and XXXX & said they couldnt do anything for me.