davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I unexpectedly worked late on XX/XX/2021 ; as a healthcare professional during these trying times this had become the new normal. I tried to pay my bill on line at work but had trouble signing on to the website. As mentioned above, I did not expect to work late that day but it turned out to be very busy with the increase in COVID patients that I could not leave on time. As soon as I got home, I went to pay my XXXX bill ( Comenity Bank ) on line. When I tried to pay the full balance on the computer upon my return from work that day, it jumped to the next day and the computer would not take my same day payment even though it was the same day ; XXXX to be exact. I proceeded to pay the balance in full and followed up with a telephone call asking if I could get the {$29.00} late fee waived. Customer service responded that the late payment can not be waived. I then asked to speak with a Manager ; the Manager told me that they had no authority to override this late payment fee. I found this odd that a Manager could not assist me and had no authority to reverse a late payment charge that is unjustified. 
In all my experience with credit card companies, I have never seen such resistance to accommodating its customers and thinking outside the box. I have never been late with any XXXX payments ; and when I mentioned this, they did not seem to care and would not extend me the courtesy that I feel I so deserved. I can now see why XXXX terminated their contract with Comenity Bank. 
If you check my bill, I paid the balance in full that day ; my {$29.00} late fee has now turned into {$140.00} ; this is a summation of all late fees they kept adding on the a zero balance. 
I feel this is totally unjust as I initially explained to the agent that I had all intentions of paying this bill in full but had trouble signing on to the Comenity Bank website. 
If you check my credit report, you can see that this is the only one derogatory mark on my credit report and my payment history has always been excellent. 
I hope you can understand my position and look forward to your response.
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX {$39.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (NY)

I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure XXXX Experian XXXX remove the following accounts off my credit report until the investigation is complete. 

Complaint ID XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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. (MD)

In 2019 I went on vacation and was solicited by a resort promoter with free gifts and a vacation membership. I declined the offers and did not sign up. Later, the resort staff gave me some free vacation information and packet. I went home and opened it up to find a vacation membership. I was scammed by this company when they said it was free travel. They used my booking information to execute the transaction. I have called the company and disputed it directly. The original sales person doesn't work there anymore and no one is helping me. I have never used this account. I never wanted it, nor did I sign up for it. This company opened a fraudulent account and had billed me threatening to destroy my credit and foreclose on me. They have threatened to sue me. I am being defrauded and these people need to be prosecuted. This is fraud and it is not fair they are allowed to harass me. I am sure I am not the only person scammed by there people.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FREEDOM FINANCIAL NETWORK (LA)

I Have contacted XXXX and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. XXXX acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. Louisiana XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. Freedom Plus Acct num XXXX reporting {$15000.00} should be {$0.00}
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (LA)

I Have contacted XXXX and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. Discover acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. Louisiana XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. XXXX XXXX Acct num XXXX reporting {$15000.00} should be {$0.00}
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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. (TX)

There is a bankruptcy on my report that doesnt belong to me please remove. It has bee removed from all other bureaus but you constantly report monthly please remove.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (SC)

We have a conventional mortgage through Homeside Financial LLC, serviced through XXXX XXXX. This will be our second year in our home and in early XXXX we received our Real estate tax paid receipt, which showed a paid amount of {$2400.00}. We also received our end of the year escrow analysis stating that our monthly mortgage payment would remain the same at {$1800.00}. All of that looked good. Until we received our XXXX mortgage bill and noticed that our Escrow account was in the negative by over {$10000.00}. When we called the county tax office, they stated that the taxes on our house were paid in full and that we would need to contact our mortgage provider for further details. We called them right away ( early XXXX ) and tried to get answers in regards to what happened and how we could get this resolved. I logged into our online account to find that there were 4 additional county tax payments made from our escrow account on properties that we do not own and do not have any relation to. The amounts are as follows .... 

* {$6900.00} * {$2500.00} * {$1600.00} * {$100.00} We have been in contact almost everyday since early XXXX trying to get this taken care of and they keep " opening tickets '' to have this investigated but every time we call for an update, the completion date gets pushed farther and farther back with no answers. At the end of XXXX we received a " new '' Escrow analysis stating that we are short {$12000.00} and that our mortgage payment will be increasing to {$3900.00} on XX/XX/XXXX. Over double what we should be paying! We have done everything in our power since the beginning of XXXX to get this fixed before that higher payment would take effect but we still have no results. Every time we call for an update, we are only able to speak with their customer service department who reads the notes on the account, we are never able to speak with the same person. And as of this morning, XX/XX/22, we called for an update and find out that they are selling our mortgage and that we will have to pay the higher payment and wait for a refund as everything will be transferred to the new company. Completely unacceptable.
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

I loged into XXXX XXXX and it says i have {$130.00} in colections from XX/XX/2012. I should not owe anything and dont know why its saying i owe money. Please help
Consumer complaint received 2022-03-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I checked my credit score on XXXX and it was much lower than my XXXX score because they say I have an account with high usage. However, the reported account is a Bank of America Credit Card which I do not have. I have no knowledge fo this account and never opened it. As of XX/XX/XXXX, the balance of this account is {$16000.00} with a limit of {$25000.00}. According to XXXX, the account was opened in XX/XX/XXXX, however, this is NOT my account. I never opened a Bank of America Credit Card. I filed a dispute on XX/XX/XXXX, but XXXX claims the account is in my name.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I Have contacted Equifax and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. XXXX acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. XXXX  XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. XXXX XXXX Acct num XXXX reporting {$15000.00} should be {$0.00}
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (OH)

I have a XXXX  card from Upgrade and every month I pay my payment well before the due date and every month I have to call them and make them apply the payment that I made to my account. They send me e-mail after e-mail telling me that my payment is due and/or late when I have bank records showing that I paid it on time. This month, same thing again and they're telling me that it's their company policy to wait 10 days after receiving my payment to actually apply my payment. No other creditor I have accounts with waits to apply my payments. Everything else gets credited immediately upon receipt of my payment. This is frustrating and ridiculous.
Consumer complaint received 2022-01-31
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. (TN)

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I am a victim of Covid 19 and legally you should not have put them there.
Consumer complaint received 2024-03-12
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. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-12
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. (RI)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

We previously had a mortgage with Bank of America that was closed last XXXX when we refinanced through another institution. We do not have any other accounts with them. 

Yesterday someone attempted to open a Bank of America XXXX XXXX Banking Account using my SSN and an ancillary email address. Luckily a confirmation email was sent to me that an online application had been submitted. I contacted Bank of America yesterday and they confirmed that the application had indeed been submitted. They denied the application with my consent. I want to ensure no other accounts are opened fraudulently with any other financial institution. I don't know this happened as my credit scores are locked.
Consumer complaint received 2022-03-17
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. (TX)

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I had reached Equifax XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX sent me a notice of repossession for a carXXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL 3 CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.
Consumer complaint received 2022-03-17
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)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-03-17
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

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.