davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I contacted XXXX XXXX on XX/XX/XXXX, my payment due date, because I wasn't able to make the payment online. The clerk took the payment and I asked her XXXX times if I was going to be charged a late feel, and she said " no ''. I asked if I would be charged for making the payment over the phone, she said " no ''. XX/XX/XXXX, I was checking my account and noticed I had a late fee charged! I called the company and spent XXXX XXXX minutes on their automated system only to find out they were closed. I called back on XX/XX/XXXX dealt with their system again and it closed my account. It's impossible to reach a live person. When I finally get through, I spent over XXXX minutes with " XXXX ''. I explained XX/XX/XXXX to her and she checked and said my account was closed and called me confused. I explained the automated system did that. She stated that I had called after XXXX XXXX and that's why I was charged a late fee. I asked what it took to pay my account off and she said it would take {$330.00}. I also requested to be removed from the mailing list and receive something in writing stating my account was closed and I've been removed. She said I would. I never did and I continue to receive their catalogs every day. I also sent a message through their website which goes to comenity. Their response was I had an outstanding balance of {$4.00} for the month of XXXX and a {$2.00} finance charge was added. This was not true at all. The {$4.00} was a finance charge which I didn't understand because I closed the account before the due date 10 days. They say my account was already closed so they can't credit me any fees and they are continuing to add charges. My account is paperless so I was, in good faith, believing that my account was closed and that I owed nothing until I received an email in XXXX saying I needed to make a payment. As stated above, I recorded the conversation from XX/XX/XXXX because at that time I didn't trust them any more. I don't know how to attach that.
Consumer complaint received 2022-10-05
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. (OR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-03
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)

ON MY CONSUMER REPORT I REALIZED THAT THERE WERE ACCOUNTS THAT WERE OPEN FRAUDULENTLY IN MY NAME. I DONT KNOW HOW SAID PERSON GOT MY INFORMATION TO OPEN THIS ACCOUNT BUT THIS IS VERY SCARY. I AM WRITING THIS COMPLAINT TO LET YOU KNOW I DID NOT AUTHORIZE THIS ACCOUNT AND IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY PURSUING TO 15 U.S. CODE 1602 ( P ). THIS IS A VIOLATION TO MY RIGHTS OF PRIVACY ACCORDING TO 15 U.S. CODE 1681 ( A ) ( 4 ) BECAUSE INACCURATE INFORMATION IS BEING REPORTED ON MY CONSUMER REPORT THATS MESSING UP MY LIFE WHICH I DID NOT AUTHORIZE DUE TO IDENTITY THEFT, YET YOU REPORTED IT ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION ACCORDING TO 15 U.S. CODE 1681B ( A ) ( 2 ) WHICH IS AGAINST THE LAW AND IS ANOTHER FORM OF IDENTITY THEFT. 

THE ACCOUNTS BELOW WERE NOT AUTHORIZED BY ME NOR CAN IT BE VALIDATED THAT I OPENED THESE TRADELINES. ACCORDING TO THE LAW 15 U.S. CODE 1681S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY. I WILL PUT THE INFORMATION OF THE ACCOUNTS BELOW AS THIS IS INVOLVED IN LITIGATION. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (MI)

follow up to XXXX XXXX XXXX it was closed but it has not been resolved I needed to add attachments to show that they are not reporting all of the info. I have also included the screen shots from another account that I have that does show all the info correctly. Commenity Bank should be showing the 4 years and 4 months of payments made in full and on time.
Consumer complaint received 2022-10-05
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$23000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$31000.00}
Consumer complaint received 2022-10-05
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. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (DE)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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: Early Warning Services, LLC (GA)

On XXXX XXXX was notified that I had information in Early warning reporting agency. After notifying the agent of my concerns XXXX was very rude and condescending. He then began to antagonize me. After asking for a supervisor he refused. I got no help.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (SC)

ATTACHED IS EMAIL TO THE EXECUTIVE OFFICERS AT WELLSFARGO My name Is XXXX XXXX XXXX. I have been a Wells Fargo customer since XXXX in XXXX. 
Around XXXX maybe, i added my mom XXXX XXXX as a user on another account ATTACHED TO MY ACCOUNT. 
ON XX/XX/XXXX I LOST MY FAVORITE GIRL ( MOM ) VERY UNEXPECTEDLY. 
I received death certificates on XXXX. 
I THEN RECEIVED A LETTER FROM WELLS FARGO REQUESTING A DEATH CERTIFICATE. THE LETTER WAS SENT BACK TO WELLSFARGO with Dates of death and so on. 
I had an ATTORNEY AND MY ASSISTANT monitor this account as iwas in a very dark place.Everything seemed ok no one reached out to me. I log in to the account possibly in XXXX / XXXX and I see Wells Fargo is allowing this account to operate. They are adding monthly fees, as well as paying creditors who have already been contacted. 
I contacted Wells Fargo, these people are questioning me like I'm a criminal and not the victim. I received a few calls from higher ups. Today I received a call while being asleep explaining that I would receive a letter. Me .... just understanding that WellsFargo and their History and Reputation ..i log in to the account .they have the account in a negative almost XXXX balance. 

I'm not wasting another minute of my life on the phones with these XXXX XXXX, from this day forward its legal actions. 
I WILL NOT CALL ANOTHER CREDITOR TO EXPLAIN ANYTHING, THE COMPLAINT WILL NOW GO TO Federal Trade Commission. 


KEY COMPONENT I KNOW THEY RECEIVED THE PROPER INFO TO CLOSE THE ACCOUNT, BECAUSE AS OF XXXX THE CARD FOR THE ACCOUNT NO LONGER WORKED. 

ONCE THIS IS CLEARED .I WANT NO AFFILIATION WITH WELLS FARGO EVER AGAIN.COURT IT IS. 

XXXX XXXX XXXX
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I opened a chade ink business card in the branch the teller told me my first year would be waived but I found out its not. I tried calling chase about it and they stonewalled me. They want me to go into the branch and have the branch manager call them to admit some type of mistake happened I just dont have time to drive down there and deal with this right now but I do feel misled about the first year not being waived.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I'm a trustee for my best friend XXXX XXXX XXXX who passed away last XX/XX/XXXX and I'm taking care of his bills and all that. I called Equifax credit report who said I can mail death certificate, driver license and trust document. I refused due to no security through mail especially these are sensitive information. Nowadays they are crazy stealing identify when seeing death certificate or my driver license or trust information. I would prefer fax or email using encryption. They said no they require me to mail as it's their policy. I said that's no good as it has sensitive information and can lost in mail, and someone can find it and use it against that. They said oh it's very secure at their office. I said right at their office or at my home but not between here to their office that postmaster can accidently slip mail or hack the mailbox or too many crazy ideas way to steal that information. I'm not comfortable to do that. They refused to provide alternative but must mail originals to their office which i disagreed. That's not professional and bad way to not secure through mail. They need to do better to find other ways rather than mail upon customer request. Please advise what alternative and All credit report offices needs to strength and improve how to secure if mail between my home to their office as i believe NO way it will secure at all. Encryption email or fax is better and safer. 
I'm trying to get credit report so I can start working on paying bills and close accounts etc. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Living Trust dated XX/XX/XXXX I can be reached at XXXX as I'm deaf or call me at XXXX as all my calls automatically with interpreter ( XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

I have several loans being serviced by Navient, one is a Dept of Education loan. I have made a number of payments to the DOE loan and on XX/XX/XXXX looked online and could not see payments that I mailed last month posted. I provided Navient via email on their site, the most recent check # s made & sent to pay the loan at the XXXX, GA XXXX address that I always mail the payments to, and requested for them to look into it. I have not received a response. However, the second request I made the same day via email ( through the Navient site ) to change the payment date for the other 2 loans, to match my pay period at work was denied -- NOTE : that email was IMMEDIATELY responded to by Navient. They also make it difficult to retrieve my communication with them via email through their site but are quick to email me regarding late payments ( pdf doc in their website under my profile ). This morning, I set up Bill Pay through my financial services department, so that Navient will stop charging me late fees. I can absolutely understand why people get frustrated and file complaints against Navient.
Consumer complaint received 2022-10-05
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. (NY)

In accordance with Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-05
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. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-01-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RAS LaVrar, LLC (SC)

I need your help in having Judgement removed from my record. This is an old debt and collectors are still trying to collect. XXXX XXXX  XXXX sent me a letter ( dated XX/XX/XXXX ) stating that XXXX, XXXX recently recalled account from their officeand to their understanding account was placed with RAS LaVrar. 

A compliant was filed by me ( XX/XX/XXXXXXXX-XXXX ) against RAS LaVrar for what I now believe to be fraudulent. The reason I say this because in looking over all my records I found inconsistence with RAS claim. For example, I was told that XXXX wanted nothing to do with this account. If XXXX did give this account to RAS LaVrar, why was I threaten that I was going to be taken to court and property would be taken from me -- I had already been to court ( XX/XX/XXXX ). Also, RAS LaVrar said that I owed more ( {$18000.00} ) which I never owedplus I made payments for over a year. 

Record confirms that on XX/XX/XXXX, that account was referred to the law office of XXXX XXXX for collection. Account was charged off as bad debt on XX/XX/XXXX, by XXXX ( for a while debt was at all credit bureaus. On XX/XX/XXXX, XXXX XXXX filed a Motion for Judgement against me ( which I think it was in retaliation against me. How can that be if account was charged off as bad debt and I was taken to court after the fact? I will send letter dated XX/XX/XXXX, confirming debt charge off date from XXXX. Also, I will send letters from XXXX XXXX  XXXX and RAS LaVrar. 

XX/XX/XXXX, I reached out to both XXXX XXXX  XXXX and RAS LaVrar to get conformation stating that XXXX had given account to RAS LaVrar, but without any success.
Consumer complaint received 2022-10-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XXXX
Consumer complaint received 2022-10-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2020-01-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!