davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (FL)

today ,XX/XX/2020, I received a notice from Comenity that my interest rate on new purchas es was going up to 2424 % from my XXXX statement rate of 14.24 % .I feel that this is an immoral and unjust increase.
Consumer complaint received 2020-04-13
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. (GA)

On XX/XX/XXXX Experian General Counsel sent consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer met criterion of Experian ADR program provided civil judgment for release of satisfaction ; his Confidential and Personal Information was unlawfully obtain for goods and services by ( XXXX  ) XXXX XXXX XXXX Dept of Social Services ; Department of Social Services ( DSS ) and administrative units of XXXX  Human Resources Administration ( HRA ) and XXXX County Support Collection Unit. There client or applicant XXXX XXXX admonition before XXXX County Criminal Court did impersonate the consumer. As direct result of Experian  Financial Services ; Experian  Holdings ; Experian  Information Systems or Experian  Consumer Services failure to reinvestigate ( 1 ) the erroneous or false reporting of XXXX  account XXXX presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CFPA 125531 ( a ) 5536 ( a ) ( 1 ( b ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )  reporting an account more than 7 years. On XXXX XXXX consumer sent certified letter signed by Experian Gen. Counsel XXXX  not contending Debt VALIDATION to date in writing or went unresponsive. As direct result of Experian  Financial Services ; Experian  Holdings ; Experian   Information Systems , Inc ( EIS ) and dba Experian  Consumer Services ( ECS  ) such false reporting of the more than 7 year old ( fraudulent account ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding   Customer  Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 invoking Section 19831985 for injunctive relief, restitution and any other relief appropriate.
Consumer complaint received 2023-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (VA)

Company abused it's relationship with me to violate FCBA & collect money not due based on a SR22 violation of statute of limitations from 2021 creditor sent account to collections in XXXX when I own my own property
Consumer complaint received 2020-06-12
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. (FL)

I've been a victim due to the COVID-19. I've been given the opportunity from XXXX Bank to delay payments due to COVID-19. I'm disputing the Credit Reporting Agency not reporting the correct information on my credit. There are accounts from XXXX that is reporting 30-60day late. I've provided you with proof of agreement and the reporting is still inaccurate. This is a violation of Section 4021 Credit Protection DUring Covid-2019 Fair Credit Reporting Act that was amended and impose due to COVID -2019. According to the amends Act, The : Credit Reporting. Section 4021 ( Credit Protection During COVID-2019 ) amends the Fair Credit Reporting Act to impose new COVID-19 related reporting requirements on furnishers of information to consumer reporting agencies. Under Section 4021, if a furnisher ( for example, a financial institution that lends money to consumers ) makes an accommodation with respect to one or more payments on a credit obligation or consumer account, the furnisher should continue to report the account as current if the consumer fulfills the terms of the accommodation. However, for accounts that were already delinquent before the accommodation was made, then the furnisher is permitted to continue reporting the account as delinquent unless the consumer brings the account current. This new reporting requirement does not apply to consumer accounts that have been charged off. These furnisher responsibilities will apply to reporting on accommodations made to consumer accounts between XX/XX/2020 until 120 days after the end of the COVID-19 national emergency.
Consumer complaint received 2021-07-06
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: Experian Information Solutions Inc. (MD)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

Dear, Im XXXX XXXX XXXX, I lost my credit card on XX/XX/2020 and I called the comenity bank to stop It but they dont want to stop the credit card and jeopardize and create financial injuries usually the address on file/birthday and ss # are sufficient As retired XXXX XXXX  from XXXX XXXX I can have 1 phone number and do subnetting It to 1000s number I really dont know what the credit bureau has I changed so many phones number do u how long It take to do change It to Creadit report according FCRA at least a month if u lucky, the Comenity bank just purchased my account from XXXX XXXX  this is illegal for what they doing, I had to call again to stop It they saying they need to transfer It to account manager wow
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (PA)

I paid XXXX XXXX XXXX XXXX XXXX {$200.00} through XXXX on XX/XX/2020 to prepare a civil complaint to be filed in the XXXX XXXX XXXX XXXX XXXX XXXX in Pennsylvania. The contact person, " XXXX XXXX '', did not fulfill the service which he was hired for and I had to prepare and file the complaint on my own. XXXX XXXX would not refund my {$200.00}. I contacted both XXXX and Direct Express to make formal complaints. On XX/XX/2020, I emailed Direct Express telling them that I disputed the transaction. They never replied back. On XX/XX/2020, I realized the company put a hold on my account and I was unable to make any purchases. Being that this is my only means of income and making payments, I emailed Direct Express asking that they release the hold. On the same day, I sent a follow up email to Direct Express explaining that the transaction dispute was due to XXXX XXXX XXXX XXXX XXXX not fulfilling their contractual duty. I never heard back from Direct Express though they did release the hold. On XX/XX/2020, I sent a letter to Direct Express via regular mail with a detailed explanation of the transaction dispute with XXXX XXXX XXXX XXXX XXXX. Direct Express never replied. On XX/XX/2020, I sent a letter to Direct Express via regular mail explaining that XXXX will not issue a refund and that per their request, I need to follow through with asking for a refund through the card company. Direct Express never replied. On XX/XX/2020, I sent a letter to Direct Express via regular mail with an attachment correspondence from XXXX. They never replied. On XX/XX/2020, I emailed Direct Express for a status update. In that email, I made it known that I tried calling Direct Express ' customer service at XXXX but the automated recording asked for a " service record number ''. I was never issued a " service record number '' and still Direct Express never replied. I switched my attention to XXXX and filed a formal complaint against them through the CFPB website. XXXX stands firm that they are not responsible for issuing a refund since XXXX is just a payment processor tool and it's up to the merchant to send a refund and when the merchant ( XXXX XXXX XXXX XXXX XXXX ) doesn't comply, then the person making the complaint needs to file a dispute with the card company where the payment was made. I have made multiple attempts to get my refund through both XXXX and Direct Express. The difference is that XXXX had the decency to reply each time I contacted them ; Direct Express has NOT REPLIED ONCE WHATSOEVER. If Direct Express is the source for me to get a chargeback of {$200.00}, then they need to comply.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I contacted XXXX, XXXX and equifax to informed them that my right to privacy, fairness and impartiality has been violated by their company according to 15 USC 1681 ( a ) ( 4 ). I did not give any consumer reporting agency to furnish a consumer report on my behalf. That is FRAUD.
Consumer complaint received 2020-04-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX Received message regarding employment. Applied for an XXXX XXXX position at XXXX on XXXX. Inside the message I received a link. http : XXXX I proceeded to fill out paper work and await for response XXXX Received emails stating that I had been employed. First task was to complete the contract agreement and fax it over so that I could officially start work. Also was given a number of the boss XXXX XXXX we were in contact he stated he had been injured and had to work from home and needed an assistant immediately. 
XXXX First task. I received check in mail from employer XXXX. The check was provided so I could pay off an invoice. I deposited the check and was notified it would take a few days to be in the account. The invoice was due that day but the company was notified and allowed a late payment. 
XXXX Made a purchase for a {$100.00} XXXX gift card because the employer thought it would be wise to give a gift because the payment was late. 
XXXX Check cleared into my account. I paid a {$1000.00} XXXX payment to XXXX XXXX for invoice and the second payment went to a XXXX XXXX XXXX XXXX  for {$1500.00}. The {$1500.00} was a cashiers check I got from my bank BB & T which is now considered Truist. I also purchased two more gift cards which where given to Mr. XXXX. I was awaiting my check in the mail on that Friday. 
XXXX Check was returned and no longer in my account. I was alerted that the check was a fraud. Couldnt file claim until the following Monday because operations were closed. Filed claim on the XXXX. 
XXXX Called BB & T to check on claim to find it was denied. Stated I was a victim of fraud but they couldnt do anything because the check was on my account and the money was gone.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

After over 9 months of trying to locate a way to view my bill for my Synchrony Bank issued XXXX XXXX, I have had no success. I have talked to over 7 different representatives who claimed they would fix this, which was never resolved. The company sends emails and texts saying that it will allow you to link the card to your XXXX account, however after 6 months of research I discovered that XXXX actually has NO association with this card or bank, and the card can not be added. Each time I made a complaint they resend the same text messages and emails which provided ZERO results. I have been lied to, lead on, and am having to pay a credit card bill which I have NOT ONCE seen an actual bill for. I had ordered a product many months ago which I never received, I was unable to provide a receipt for this purchase due to the fraudulent company and therefore had to forfeit the product which I paid for. This is absolutely ridiculous and after nearly a year I don't know where else to turn.
Consumer complaint received 2020-04-13
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 get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-06-13
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. (TX)

I retained copies of my credit reports in XXXX and noticed that XXXX XXXX XXXX placed a collection on Experian credit report in which XXXX claimed that I owe {$320.00}. I immediately disputed this item with Experian and XXXX as I have never done business with XXXX XXXX XXXX before. I requested that XXXX provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately, but XXXX was unable to do that. Over the years, XXXX has tormented me by calling and sending letters harassing me about this collection. This year XXXX, per the advice of my attorney, I sent XXXX XXXX XXXX and Experian a letter requesting removal of this item from my credit report because this Item was placed on my credit report on XX/XX/XXXX and according to FDCPA and Texas Finance Code Chapter 392 ( Debt Collection Statutes ) - The Texas Statute of Limitation for Debt Collection is four 4 years ; meaning XX/XX/XXXX made it 4 years. Texas is my home State. And Ive formally requested that XXXX XXXX XXXX and Experian remove this item from my credit reports by sending a certified return receipt letter to Experian and XXXX. But Experian has yet to remove this Item. I have maintained a careful record of my communications with Experian for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should Experian not remove this account from my Experian credit reports. 
I have reminded Experian and XXXX XXXX XXXX that they will be liable for willful non-compliance as per Texas Finance Code Chapter 392 ( Debt Collection Statutes ) and the FDCPA. Failure of Experian to remove this account from my credit report will result in a small claims action against Experian in a Texas court. I will be seeking {$10000.00} in damages for the following : 1. ) Violation of The Texas Finance Code Chapter 392 ( Debt Collection Statutes ) The Texas Statute of Limitation for Debt Collection.

2. ) Violation of the Fair Credit Reporting Act 3. ) Emotional Distress Experian will be required to appear in a court venue local to me in Texas. 
Sincerely, XXXX
Consumer complaint received 2020-06-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have asked Portfolio Recovery Associates to provide proof that they are licensed to collect in my state ( Florida ) but instead they said that they investigated my dispute. This is not a dispute but request to provide proof of Florida license.
Consumer complaint received 2023-05-26
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. (IL)

Original CFPB complaint XXXX Transunion sent a certified affidavit stating they verified a public record listed within my consumer with the court. Transunion violates the FCRA by sharing my personal information, which they purchased from a 3rd party without a permissible purpose. I've also attached an affidavit from the XXXX XXXX certifying they don't report any consumer info to CRAs. 


This a clear infraction of the law, and I demanded action be taken! 

The court letter I've attached directly refutes the claim by Transunion that this data source reported any information to this.
Consumer complaint received 2020-06-12
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. (WI)

There were fraudulent inquires done with my identity due to identity theft, Equifax lied and said they contacted the creditor and that the creditor responded back and said the inquires were accurate but the company is closed so how are they able to respond back to Equifax if this company is completely closed to to covd-19
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

I have a situation where I have two mortgages that were passed/sold/given to a mortgage servicer during XXXX time when XXXX XXXX XXXX XXXX collapsed. The servicer was XXXX XXXX, which morphed into XXXX which has since morphed again into XXXX/Loancare. The first two iterations were the same people & I suspect the current company has some or all of the same employees as well. During the time I was stuck with XXXX XXXX I had 3 different attorneys on them due to their outrageous behavior that was borderline criminal. No, I'm not exaggerating or making this up. Now I find myself in a situation due to the Covid pandemic where I've applied for help with the current servicer XXXX XXXX/ Loancare & have heard nothing. I applied on XXXX XXXX on their website for Application for Forbearance & both were accepted. I have the receipt confirmations for both. Their site stated that at the outside they would contact me in 3 days I'd have a determination on my two loans which are held by XXXX XXXX. That was 3 weeks ago. To date I have not received a response back. They did manage to find the time however to raise my mortgage payment for one property for escrow. Seems they have time to send me notification of that but not respond to my valid applications. The economy is locked up, I've had a direct loss due to this, prospective clients are not working hence unwilling to pay me. I can easily see a scenario unfold where I'm still waiting for them to respond & have not & I'm at my next payment due date of XX/XX/XXXX. Both mortgages are current & have NEVER been late, with anyone EVER. I've directly contacted the State of Michigan who referred me to XXXX XXXX XXXX XXXX who referred me to your agency. I also tried calling XXXX/Loancare & the phone was not answered. It had a voicemail loop directing me back to website so I could apply online which I'd already done. To say I don't trust these people can't begin to describe my concern. 

Thank you for your time & assistance.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently got out of an XXXX  relationship after living in a XXXX XXXX XXXX XXXX for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX