davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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. (IL)

In accordance with the Fair Credit Reporting act, XXXX XXXX  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 2021-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (FL)

Hey I was inquiring about an issue that I have with Citibank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open a bank account cause of this.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I am having with the credit cards issued through Comenity Bank. I have multiple credit cards with them ( XXXX, Ann Taylor, Victoria 's Secret ) and I have been having an awful time with them for years now. 

It's at the point where I can't take it anymore and I need to contact someone about them. I believe what they are doing to customers is fraudulent. I can not sign into any of credit card accounts. It's been like this for years now. When I call customer service they give me the same line that they are updating their system. 

How many years does it take to update their system? The only way I can get on to my Victoria 's Secret account is if I create a new password every single time I sign on. I can't even get into my XXXX account. I put in my credit card #, SS and I get this message every single time : " It looks like the details you entered don't match our records. Please ensure youre using the primary cardholders information and try again. '' Screenshot is. attached. Date it happened is today XX/XX/year>. 

This is NOT normal. I think what this bank is doing is finding a way to make sure people can't pay their bills on time, which will result in numerous and hefty late fees! 

I am not the only one that is having issues with this bank. Please review their XXXX pages and see the comments : XXXX XXXX XXXX  There is a page actually called " Beware of Comenity Bank XXXX XXXX : XXXX? XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 3 credit bureaus 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 be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - CARD XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

My son was involved in a motor vehicle accident involving a XXXX XXXX which I co-own. My son was taken to the hospital and the vehicle taken to a tow yard. Shortly after, during XXXX  period my XXXX  and XXXX got XXXX. In the meantime, XXXX got XXXX  and shortly after my XXXX was XXXX  and out of work. This was also causing delays in us being able to handle any business. I was out of work for two months, my son was out of work for five months. I requested a deferment on the payment after making the XXXX payment, this was approved by Hyundai up to XXXX. In the meantime, the vehicle sat in the tow yard waiting to be resolved by insurance. I was notified by the tow yard that Hyundai 's appraiser stopped by to look at the vehicle, and they advised them they were abandoning the vehicle and had no interest in removing the vehicle but Hyundai never advised us of this. Hyundai never notified me of such action or their intent. As the days accrued at the tow yard, my drivers license was being jeopardized by the tow company which placed a lean on my license. At that moment I removed the vehicle from the tow yard. Hyundai never notified us of their intentions prior to the CHARGE OFF. I came to find this out through an alert in the credit reporting where it stated that the account was in charge off due to natural disaster and also stated that we were late on our payments. I immediately contacted Hyundai for clarification. At which point they notified me that they no longer had interest in the vehicle and that the vehicle was placed in charge off due to lack of payment. I tried to explain to them that the last payment was XX/XX/XXXX and they charged the vehicle off 10 days later. How could this information be correct? They never offered me true clarification to this matter. When we attempted to call Hyundai they initially advised my son that they would settle the debt for {$6400.00}. They later advised him that they would settle but never give us the title. We were continuously calling Hyundai, they were refusing to give us a payoff in writing and were verbally giving us different amounts from $ XXXX {$11000.00} every time we would call. They charged off the vehicle onXX/XX/XXXX, 10 days after a payment was made. My son and I asked many times to receive a phone call from supervisors and no one ever returned the call. 
I am requesting that HYUNDAI retract the delinquent reporting and the charge-off status from XX/XX/XXXX thru now in all three credit bureaus. Hyundai violated the FCRA by not giving me an opportunity to satisfy the debt prior to the reporting and no notices were sent until I saw the miss reporting information on my credit.
Consumer complaint received 2023-02-08
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. (CA)

I, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a notice from XXXX that a Bank of America inquiry was made. I called Bank of America and a credit card had been issued in my name for XXXX XXXX. I never applied for a credit card. It had my name, my address, my email, and my social security number.
Consumer complaint received 2020-10-01
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)

Within the past month, TransUnion and XXXX  have not correctly verified any of the 5-6 collection accounts on my credit report. Ive sent in dispute letters every month, to no avail. I also received notification that 2 of the collections have been closed from XXXX XXXX, but they were still listed on my report from both credit reporting agencies. Also, XXXX has 2 collections on my report and when I spoke to them a few weeks ago, they only stated I have one collection account and not 2. None of these collection companies can be verified, I did not sign a contract with any of them, yet the credit bureaus are verifying the debt, without contracts or doing due diligence to correct these errors. I am demanding they remove all of the collections from my credit report.
Consumer complaint received 2022-10-28
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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXXB - XXXX XXXX XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-10-28
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. (TX)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-10-28
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. (AZ)

I attempted to update my payment account for multiple days weeks and months. I emailed the company for assistance. I even messaged the company to make the aware that there is a glitch in the app where I couldnt update payment info due to the app asking me to verify my address and the kicking me out over and over. After looking on their instagram page many people have had the same issue and then they report payments past due when the consumer is trapped in not being able to make a payment. This app should be shut down. I would like this account removed or updated to positive payment history. I have photo and email evidence of my attempts to pay prior to being past due. Please help
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-27
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 XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Aspen Yo LLC (FL)

Back in XX/XX/XXXX, my home mortgage company was XXXX and I was in a temporary forbearance during XXXX XXXX crisis. In XX/XX/XXXX my forbearance came to a end and I received a letter that Gregory Funding LLC took over my loan from XXXX. During this time I reestablish a home modification with Gregory Funding LLC with the understanding I would need to start paying out of pocket home owners Insurance that it would not be included in my mortgage payment XX/XX/XXXX. Furthermore from the start of my loan in XXXX till today, XX/XX/XXXX, over 1 year of on time early payments, plus even setting up auto pay monthly, Gregory Funding LLC has not XXXX TIME reported my credit to any of the XXXX credit bureaus. My credit score plays a important role in my life as I am reaching age XXXX in XXXX. I need this to help me while on Social Security, car repairs, medical test my medical insurance doesn't cover, living expenses and so on ect. I think you get the picture. Credit is a valuable tool in ALL peoples life. I would greatly appreciate it if Gregory Funding would take the time to help a loyal on time customer.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Starting XX/XX/XXXX to XX/XX/XXXX there was a total deposits of {$9000.00} spending only $ XXXX of that money what happened to the rest Ive watch Bank Of America push dates back for my transactions as far as a week of my statements which make them not accurate Ive seen where theyve taken {$950.00} from me on XX/XX/23 I placed it in my checking account to cover the fees that were from debit card transactions that were cancelled but I had to wait for them to go back to my account to waking up in the morning showing someone signed into my online banking at XXXX at night when I was sleep. I have receipts showing that one amount was in my account and something was pending to be placed back into my account and then never was. The transaction disappeared. Someone is illegally taking stealing money from me and if youre not a forensics accountant you wont see it unless you see the deposits and the transactions in those time frames which doesnt add up at all. I called the fraud department on XX/XX/23 he filed one claim and then he said to file the other claim I had to wait the next day which I was confused to why I couldnt file the claim all at once but wake up on XX/XX/23 and see the same amount I was needing to file a claim on was transferred somewhere that nobody knows where that money was not there because I have a receipt to prove the money wasnt there I cant transfer {$400.00} dollars from a savings account with a balance of {$0.00} on the XXXX I woke up to XXXX so I placed that from my saving waiting on Bank of America to place what transactions that were cancelled that weekend from Friday to Sunday it was showing processing but then I replace that negative balance now its gone?? Then a week later it shows theses transactions taking place XXXX days later transactions that already posted this bank owes me without ola doubt {$2000.00} or close to it. Theyve changed the way my transactions looked since the last time I filed a complaint they are taking from my kids Im being scammed and Ive been victimized for over a decade and some how the government still allowing the imposter to take from me and the agencies covering it up. I need my kids money back. I didnt transfer {$400.00} I spoke to the agent on XXXX he said XXXX {$.00} was removed twice from my account and XXXX gave me the times and dates and now all of sudden it didnt post but it did actually because I paid for the cost until my money reappeared back to my account which never did HELP before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Im not the fraudster the imposter is not me
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent my letter off XX/XX/XXXX I told the credit bureaus to remove addresses that appear to be incorrect on my consumer profile. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, Here is a list of incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / incorrect addresses ) There should only be XXXX address Listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX { INCORRECT ADDRESSES } XXXX. XXXX XXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : { Incorrect names } XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Once you have deleted the inaccurate names and address from my credit report, please send me a copy of my updated report Thankyou,
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (GA)

XXXX Mention in their Privacy Notice ; No Sale, No Sharing We do not sell personal information. We do not share personal information for cross-context behavioral advertising. We do not allow our vendors to sell this information or to share this information for cross-context behavioral advertising. 

However my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX, XXXX, XXXX, Experian, and XXXX. XXXX did not engage in this Transaction. This is Infringement to my Privacy. 

I recently disputed XXXX ( XXXX XXXXXXXX XXXX ), because laws were broken in regards to my privacy. They responded and stated that they Service the account on my behalf, which is A violation under FCRA. ( Please See Attachment With The Statement ) ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Also Under the FDCPA Violations were broken as well.

~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.