davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — Store credit 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. (TX)

I went in store at Victoria 's Secret in XX/XX/2021 to purchase product. They did not have anything in my size, so I ordered it online through the store.i never received the product. So I called XXXX  and complained. They gave the run around about it finally at the end of the conversation, they said the order was cancelled and nothing should show up on my XXXX  credit card. So I didn't worry about it until I purchased another item and it I went to pay the bill and noticed the charge of {$110.00} was still on my account. So I immediately called the XXXX  credit card company, disputed with them twice. So this took over a month. They said there was nothing they could do. Called XXXX back a few times, didn't get anywhere. But one lady I spoke with said call XXXX  customer relations. Finally i thought it was going to be fixed. They credited partial payment. So I called again and again, finally got told it was going to be fixed. But in the mean time I acrued late fees and interest charges. They said they would credit the late charges. But during that time, more charges acrued. So I called back, and the lady told me everything will be fixed. And during this time, nothing was fixed and more charges keep piling up on my account. Case # XXXX & XXXX Now I have $ XXXX in interest charges and late fees still acruing ony account for something I never received and was credit not returned to my account in a timely manner
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Paid off credit card on time and closed it in XX/XX/2022. XXXX XXXX continues to report that payments not made even though the card has a XXXX balance. Have called several times to have them remove derogs. They have ruined my credit and caused two cards to cancel me.
Consumer complaint received 2023-07-25
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: Credence Resource Management, LLC (LA)

I recently pulled my credit and this collection was on it. The Compnay never sent me anything by mail, email etc. to give me a chance to verify ( challenge ) the debt was even valid. I called and spoke to the Compnay and received letter I have uploaded in the mail. 
the latter was mailed from the Compnay and mailed to me like I type the letter. 
I asked Credence Resource for validation of debit and this is the letter I received.
Consumer complaint received 2022-04-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My closed Suntrust HELOC second mortgage account has a fixed rate balance which I have always paid on time, including extra principal payments monthly. The changeover to Truist has been a nightmare, and I believe I am being defrauded. Specifically, the highlighted XX/XX/22 statement scan attached, clearly shows that I was charged TWICE in one billing cycle for {$130.00} interest, both on XX/XX/22 and again with an extra principal payment made on XX/XX/22. Yet another payment made after this billing cycle, on XX/XX/22, shows XXXX interest deducted. I am certain that when I soon make another payment, they will yet again charge duplicate interest within the same billing cycle. Their computer system is not only incapable of applying additional principal payments correctly, it is breaking the law. 
Yet Another, second issue is that a partial month final billing from Suntrust had already charged me for approximately 10 days interest, then Truist applied overlapping interest to that with their first statment. A third issue, is that Truist is NOT applying extra principal payments as principal only. They are applying them to future month 's payments, and charging me interest from those future months at the time I am making extra principal payments! They are charging me FUTURE INTEREST! THIS IS NOT LEGAL, as there can not be a penalty for paying a loan off in advance, at least not in Florida.
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (FL)

CFPB please help me with this, Ive sent numours complaints. Both you and Equifax seems to ignore them.. Ive also reach out to Equifax via phone mail and fax. Ive requested information be blocked from my report. Ive sent ftc report, Equifax is reporting the wrong date of birth for me.. I sent in proof of idenity also. It my belief this information is fraudulent or Equifax has mixed me credit file.. This needs to be fixed ASAP. I have multiple accouts that are not showing on my report because, Equifax has the wrong date of birth..AGAIN THE IS WRONG & A VIOLATOIN OF THE FCRA, INFORMATIOM REPORTING MUST BE TRUE AND CORRET. IF IT NOE FIXED ASAP I WILL CONTACT LEGAL HELP..

1. WRONG DATE OF BIRTH XX/XX/XXXX//WRONG! ( CORRECT DATE OF BIRTH XX/XX/XXXX )!!!! PLEASE FIX ACCOUTS NOT SHOWING BECAUSE OF THIS XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX PLEASE FIX MY DATE OF BIRTH SO MY POSETIVE INFORMATION CAN BE FIXED AND ALL OF MY ACCOUNTS CAN UDATE AND POSTED TO MY EQUIFAX FILE. 

CLOSED ACCOUNT NOT MINE XXXX  1. XXXX XXXX-XXXX  XX/XX/XXXX 2. XXXX XXXX  XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7.XXXX XXXX-XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card accout ( s ) and this has caused me to be misrepresented. My creditworthiness is displayed publicly to lenders causing a hardship. I'm also getting denied for future products.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2022, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2021-02-19
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

On XX/XX/XXXX, Nissan Motor Acceptance Corporation ( NMAC ) received a check from XXXX for funds totaling {$16000.00} to pay off my truck lease. I financed the purchase of the truck through XXXX. On XX/XX/XXXX, NMAC sent a letter to XXXX requesting a completed and signed odometer statement. Apparently the completed and signed odometer statement XXXX sent with the payoff check to NMAC was misplaced in processing. I was sent a copy of the letter " for information only. '' After speaking with NMAC multiple times in XX/XX/XXXX to resolve this issue, it was determined by NMAC that a new completed and signed odometer statement was all that would be needed to close the lease account. On XX/XX/XXXX, a new completed and signed odometer statement was faxed to NMAC, along with a copy of the XX/XX/XXXX letter from NMAC that stated in writing the payoff funds had been received. On XX/XX/XXXX, I obtained a payoff letter from the NMAC payment website, confirming a payoff due of {$0.00}. Apparently the payoff information was not provided to the NMAC leasing division. As a result, the account has been reported to all three CRAs as 30 days late. I filed disputes with all three CRAs, and they are reporting that NMAC verified 30 days late as accurate. This lease account was paid on time with no missed payments, and the payoff amount that XXXX sent was quoted by NMAC.
Consumer complaint received 2024-02-19
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (TX)

I have a credit card through PNC Bank, which was formerly BBVA Compass at the time this happened. My credit card was paid off. There was a charge from XXXX that I reported as fraud for {$28.00} on my credit card. I asked my bank if I should pay it because I saw the balance on my account for a while. I had reported it as fraud. BBVA COmpass said not to pay it. I later got a 30 day late payment reported on my credit bureau for XX/XX/XXXX. I had tried to reach out to the bank by phone and the help center wasn't able to resolve it, just told me they couldn't fix it or it would take a few more months. I was very frustrated so I reached out to the CEO on Linked in who put me in touch with a rep named XXXX XXXX who started emailing me via secure BBVA email. I have a customer care # of XXXX. She had sent me a letter saying she would fix the credit bureau mistake. I had emailed her several times through their secure portal. A year later i look at my XXXX credit report and still see the 30 day late. So, I submitted a dispute through XXXX, who left it the same post investigation. The bank is now PNC so not sure if they have all the records. I logged in today to the BBVA portal and all my messages are gone so I have no proof of this but doesn't the bank have to keep records of these things? Especially when they wrote it off for fraud or have an ongoing fraud investigation on that charge. I have no one left to reach out to as my messages are missing, and my dispute did not get resolved.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX XXXX XXXX That is the name of the company I supposedly had services from that I allegedly originally owed. I looked them up and could only find any information on them about having an XXXX rating with the XXXX XXXX XXXX multiple people have had the same situation where they have not been to any of their physical locations and they have been charged similar amounts of money.
Consumer complaint received 2022-04-21
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. (MS)

XXXX credit card customer service conversation about this new card on XX/XX/XXXX revealed that late payment reporting was in error. 
XXXX has since corrected the issue on my account statement by crediting the previously recorded late payments and have reported to me, XXXX XXXX that they have also reported to the 3 credit bureaus this error for correction. Please note that this issue caused my credit score to decrease up to XXXX points in one month on XXXX and should reflect the correction by XXXX  XX/XX/XXXX and an increase in score all around. 

XXXX XXXX XXXX  {$700.00} credit limit Card # : XXXX On XX/XX/XXXX {$59.00} annual fee due on XX/XX/XXXX Not informed Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX XXXX and transunion as of today XX/XX/XXXX. 
Late fee XX/XX/XXXX Errorbut still showing past due 30 days on all credit reports, XXXX, XXXX and transunion as of today XX/XX/XXXX. 
{$3.00} monthly statement fee errorbut still showing past due 30 days on all credit reportsXXXX XXXX XXXX and transunion as of today XX/XX/XXXX. 
{$90.00} is past due as of today error but still showing past due 30 days on all credit reports, XXXX XXXX and transunion as of today XX/XX/XXXX. 
I never received a statement they never connected the cards online as I requested and by error, reported to XXXX, XXXX and transunion a 30 day late payment XXXX the Customer Service Supervisor ( XXXX ) XXXX Is the supervisor Spoke to on XX/XX/XXXX XXXX agreed to remove all fees and charge only {$59.00} for annual fee and stated that she has sent a request to correct and delete the 30 day late reporting t to all three ( 3 ) credit bureaus that the payment was never late due to the fact they were sending bills to an address I did not provide to them in error, hence, i never got them as this was a new credit card offer in the first place.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

i had a balance after moving from an apartment complex, i paid the balance off six months later prior to moving to another apartment complex but for some reason this company is trying to collect on a debt that has already been paid to the original creditor
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was under contract on condition of peonage and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under color of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I became aware of several accounts that were opened fraudulently on my behalf after receiving notification from ny bank that there had been a breach and my info had been compromised. Among these was a secured credit card issued by XXXX XXXX XXXX. Upon realizing this, I contacted the companies that were fraudulent, including XXXX XXXX, to let them know and to close all accounts affiliated with or connected in any way with the fraudulent activity. This included my actual checking account through them. They informed me that they had all been closed at that moment. I then filed a complaint with the FTC for identity theft and disputed all accounts through the credit bureaus. Yesterday, I got an alert that the XXXX XXXX secured card was delinquent and had negatively effected my credit score. I logged into the credit bureaus to verify and filed disputes for account ownership once again. I contacted XXXX XXXX and questioned them about the account and why it was still open and on my credit report. They told me that although they assured me that it would be closed, they didn't close it because I didn't have any of the account information, such as the credit card number, transaction history and cvc number. Obviously, I would not have this information because I do not and have never had this card they speak of, I didn't open the account. They refuse to remove it because I cant provide them with the information they requested. It has been reported to the credit bureaus and is effecting my ability to finance the balance owed on my home, which I am now In jeopardy of losing. I have provided them with the ftc report and they stated that it means nothing to them. They in no way offer any resolve to this issue and I have not had any access to any accounts with them since I thought they were closed in XXXX. At which time, I cut up my debit card for my checking account and uninstalled the app. They refused to confirm or deny if the balance from the secured card was additional charges or interest accrued from them not closing the account after they stated they did. Although, I'm not familiar with secured cards and how they work as I've never in my life had one, I didn't think you could spend beyond what money you had deposited to begin with. That being said, I'm not sure how it could continue to be used after the deposited amount was gone and how that would cause a negative credit action anyway? From the little information I can see on my report, it states the credit limit is only {$100.00} but that the balance is {$150.00}. I am seeking simply that green dot bank remove this account from my credit report. If not fully, then they need to provide solid confirmation that it is MY account and at the very least, show it as close from XXXX and remove the negative consequences that I am receiving from their lack of compliance and their inability to do their jobs.
Consumer complaint received 2022-04-21
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. (TX)

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. 
XXXX XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX XXXX 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 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ProCollect, Inc. (TX)

First off, Pro-Collect used my application supplied to the apartment complex to call my dad ( in XXXX ), which they are not allowed to do. They advised him of my debt and called him so many times he had to block their number. Mind you, he was not co-applicant, he was just listed as a reference. Second, I called to pay my debt and the representatives are rude, disrespectful and condescending. Never in my life have I dealt with people who so unwilling to help. After the fifth phone call I finally was able to speak with a supervisor who was unwilling to remove my debt off my credit report as requested, which I do understand is a courtesy, but I paid my balance in full. When I asked why she said because I said so and that she was hanging up on me. Their tactics and representatives are awful and they should never be allowed to operate.