davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-28
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. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-12-28
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. (MO)

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (RI)

My XXXX payment was submitted in full to Comenity Bank on XX/XX/XXXX via electronic payment from my bank account at XXXX XXXX XXXX The funds were debited from my acct on XX/XX/XXXX and according to acct. history the check was delivered on XX/XX/XXXX. The due date on the Comenity bank statement was XX/XX/XXXX. 
I received my XXXX statement and the amount due is the previous months balance, a late payment fee and interest on the previous months amount. 
I spoke with 3 agents and each one said the previous months balance was due although I disputed that I owed anything. Not one of those agents told me that I could dispute this and I had 60 days to do so. 
I did make a payment in the amount which was reported on the XXXX statement but cancelled it after some investigation of my account history. I went to my bank got a copy of the cancelled check sent to Comenity on the XXXX which showed they received a payment in full and cleared XXXX  XXXX  on XX/XX/XXXX. 
I did make a payment of {$41.00} as a minimum payment. But I believe that is money that needs to be credited back to me since I had no balance due. 
I did file a dispute according to the instructions on the statement and sent it certified mail along with supporting documents. 
The number of phone calls from Comenity about every other day was annoying and there was one on XXXX XXXX.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Back in XXXX of 2020, I received credit adjustments on my checking account because I had fraudulent activity on my account which occurred out of state in Oklahoma. I reside in XXXX. I informed the bank I had not traveled to Oklahoma or made any such charges. They issued the credits on my account. I told them to also review the security footage because some of this fraud occurred in a casino there where there were security camera 's they could probably get access to. They obviously did none of that in terms of their investigation. Instead, they charged my account today almost {$2000.00} and caused it to go negative for that amount. I am a senior citizen on a fixed budget. I was almost in tears. I was on the phone with Bank of America trying to get through to them for almost three hours today. The representative told me to put this information in writing again to their claims department and request a resubmission, which I did. But in the interim, they refuse to take those negative charges off my checking account so I am unable to pay bills with it or buy groceries, etc. This is ludicrous. I am going to attach the copy of the letter I faxed to them earlier today for your review. It is outrageous. They originally told me they could review security footage on these transactions. I have not traveled out of state. They can not treat a senior citizen like this. I thought I had protection again fraud.
Consumer complaint received 2024-03-15
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. (LA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Account XXXXXXXX XXXX XXXX Account numberXXXX The account was settled XX/XX/XXXX per agreed terms. There is nothing owed since XX/XX/XXXX and nothing past due since XX/XX/XXXX. XXXX case # XXXX. 

Most recent contact with XXXX was XX/XX/XXXX. I have been told several times since XX/XX/XXXX the issue will be resolved yet false reporting and debt collection efforts continue. XXXX XXXX has been impacted negatively.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Account XXXXXXXX XXXX XXXXXXXX Account XXXX The account was settled XX/XX/XXXX per agreed terms. There is nothing owed since XX/XX/XXXX and nothing past due since XX/XX/XXXX. XXXX case # XXXX. 

Most recent contact with XXXX was XX/XX/XXXX. I have been told several times since XX/XX/XXXX the issue will be resolved yet false reporting and debt collection efforts continue. Credit score has been impacted negatively.
Consumer complaint received 2020-03-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (FL)

I call GM about helping me out with my Lease payment, since I lost 66 % of my income and they said that the only persons they are helping are those customers that have finance their car and not the people who have a Lease them. I think that's unfair since both have to make car payments. I feel GM talks  lot and dose very little to help all customers.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (WA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (TX)

This is my eleventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance : {$360.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-30
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)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and I did not authorize these credit checks.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

bank of america closed my checking, savings, credit card account due to some one hacked into my online account and withdrew to a neg bal. i tried to explain i was not at the location stated by the bank bank stated the IP ADD was located in a different state. i have proof that i was in XXXX tx and said day. they closed accounts what money was in accounts was never returned and flagged credit report, and XXXX, XXXX
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Reports Criminal Activity by me Falsely Destroying my Good Credit and Good Name to Credit Reporting Agencies. XX/XX/XXXX RESPONSE CFPB XXXX. USAA Also reports me as Reporting Fraud on A RETURNED ITEM {$120.00} XXXX XXXX. I AM NOT A CRIMINAL. I DID NOT REPORT XXXX XXXX {$120.00} AS FRAUD XX/XX/XXXX. AFTER IT WAS RETURNED. Several attatchments Proove that Beyond a Shadow od Doubt. ( A ) XX/XX/XXXX STATEMENT ( 1 ) confirms {$470.00} IS WITHOUT THE XXXX XXXX {$120.00}. ( 2 ) Confirms NO BEGINING USAA TEMPORARY FRAUD INVESTIGATION CREDITS. A USAA POLICY WHEN FRAUD REPORTED. ( B ) attatched FRAUD LETTER XX/XX/XXXX ( 1 ) XXXX XXXX {$120.00} refers to CREDITS BEING REVERSED. ** Clearly this could NOT HAVE BEEN REPORTED FRAUD IN XX/XX/XXXX. They WERE NOT REVERSED UNTIL XX/XX/XXXX. see attatched STATEMENT XX/XX/XXXX. I. DEMAND USAA REPORT TRUTH.
Consumer complaint received 2022-12-28
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Today XX/XX/2020 I received an email alert that an account has been reported as delinquent. I am on a program with XXXX  credit card for 3 months. I have made my payment in the amount of {$180.00} to enter into the program I was also told this account would not be reported as delinquent to the credit reporting agencies but it was which caused my credit score to drop. I was offered this program due to my temporary financial situation due to this pandemic that is going on right now. I anticipate this account will be up to date being in the program they offered. I am upset that it is reported when I specifically asked if it will be I was told no because Im in the program and attempting to clear this debt
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX  XXXX Original creditor : XXXXXXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Today XX/XX/2020 I received an email alert that an account has been reported as delinquent. I am on a program with XXXX  credit card for 3 months. I have made my payment in the amount of {$180.00} to enter into the program I was also told this account would not be reported as delinquent to the credit reporting agencies but it was which caused my credit score to drop. I was offered this program due to my temporary financial situation due to this pandemic that is going on right now. I anticipate this account will be up to date being in the program they offered. I am upset that it is reported when I specifically asked if it will be I was told no because Im in the program and attempting to clear this debt
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: American First Finance, Inc. (NC)

I purchased furniture from conns furniture on XX/XX/XXXX. they assisted me in taking a loan out from American first finance. I have never received my furniture. I have been giving the run around between these two companies to retrieve my money. No luck at all. I was told by American first finance that they never received payment. After returning to XXXX I was told to report back to American first finance. Upon returning I was told that my funds were cancelled and refunded on XX/XX/XXXX. They were not. I was told I was contacted for delivery. I was not. I was then told by more than 1 associate that I would be refunded on XX/XX/XXXX. I was not. Each time Ive reached out ( over 20 times ) I was told something completely different. I have requested proof, I have requested manager contact and nothing. Please assist me in retrieving my funds
Consumer complaint received 2022-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

Our current mortgage company LoancareXXXXXXXX has taken over {$3000.00} from my husband 's bank account without authorization. My husband and I both have contacted them numerous times by phone and by email. They have yet to refund our money nor do they have any excuse for the transacations. My husband has had overdraft fees as well as accumulated credit card fees, late fees, bills we can't pay because we have no money. Our bank account has been overdrawn since XXXX XXXXXX/XX/19 and we have no cash. Please help us get our money back. 
We have also been wronged by XXXXXXXX XXXX out of XXXXXXXX XXXX They allowed all of these transacations to go through when we were told they would not. The account was already overdrawn but they still continued to let these transactions to go through and post.