davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2021 credit XXXX collection ( XXXX ) was removed from XXXX and has now been placed back on my account. Ive disputed the account explaining the account was not mines and was not in my name. Ive reached out to XXXX, credit XXXX collection XXXX and the credit bureaus to have information removed/corrected. However the collection account is still reporting negatively. XXXX XXXX is also reporting negatively on XXXX as this account is not mines it should be deleted from report. Collection was removed from XXXX XX/XX/2021. The account is not in my name and doesnt belongs to me. Also l will like to file complaint against Victoria secret /comenity bank for reporting differently on different account and reporting inaccurate information. ( LATE PAYMENTS ) Comenity/Victoria Secret is reporting positively with XXXX  % on time payment on equifax but reporting negative on XXXX and XXXX. Contacted them to have information corrected, and to report positively on XXXX and XXXX as well, account is still reporting negatively on XXXX accounts ( XXXX and XXXX ) and positive on XXXX. The account needs to reflect positively payment reports to all XXXX bureaus. I will like to file complaint with comenity bank/foreve21 account was paid /closed and on time, they are reporting incorrect information and also reporting differently as far as late on each credit report. Please have these late reportings deleted its paid/closed and reporting incorrectly. Ive been getting denied for home-buying due to this negative information reporting on my report, Im a single mother with XXXX kids. My home is molded Ive been trying to move and this has been causing me to be denied please assist.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-12-16
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. (GA)

I did not consent to, or authorize or benefit from the following fraudulent inquiries. PLEASE block and remove them. XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
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. (GA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my Transunion credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My husband and I signed up for the Capital One XXXX credit card. He is the primary account owner, and I am an authorized user. The intended use was to apply points to flights and hotels. At the time of signing up, we were told we could use the points with any companion airline ( where deals are very good ) or through Capital One 's portal ( where deals are much worse ). This card has a {$390.00} fee that is charged as soon as you sign up. We went to book flights with a XXXX  XXXX  XXXX weeks after getting the card, and were told that our identitiy could not be verified. Upon looking at forums online, it appeared that Capital One, without saying so in their Terms and Conditions, doesn't allow new users to apply points to XXXX XXXX for an undetermined amount of time after opening a new card. This is not mentioned in their Terms. My husband called Capital One to get this sorted out, and they told him they couldn't help him, and that the only option was to use the much worse points transfer through the Capital One portal. They refused to escalate the issue, then hung up on him with no resolution after refusing the refund the {$390.00} fee. We have gone through this process several times with other credit card companies, and have never had this issue, or been deceived about the Terms and Conditions.
Consumer complaint received 2022-05-20
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. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal is now fining their consumers whose points of view they disagree with. I in no way want anything to do with such a company. I have tried to close my account but they will not let me close it. This is tied to my bank account. I no longer want to use their services. I went through all the steps to close my account, but they would not close it. I called to find out why and they said that it's because I have a PayPal credit card so I can't close it. This puts me in a situation where my credit score would take a detrimental hit in length of credit history. In this, I am being penalized for no longer using their services. Is this even legal, and how?
Consumer complaint received 2021-11-14
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)

I first noticed this problem when XXXX XXXX didnt update my credit report in time to reflect that my credit card is showing a XXXX balance & now Im seeing that theyve also added a remark to my Equifax report which has lowered my credit score XXXX points. My credit score cant increase due to how theyre reporting on it
Consumer complaint received 2021-11-14
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. (TN)

I have several inquiries listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information.
Consumer complaint received 2019-11-22
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: DISCOVER BANK (CA)

On XX/XX/2019 I purchased a pair of XXXX XXXX XXXX XXXX XXXX XXXX size XXXX using my Discover credit card. The seller described the shoes as authentic and charged the high price authentic shoes. When I received the shoes in the mail, it was very evident the shoes were illegal XXXX counterfeit fakes. The seller refused to allow a return or refund and completely defrauded and ripped me off. I filed a chargeback dispute with Discover shortly after being denied a return from the seller on XX/XX/2019. On XX/XX/19 Discover denied my dispute in favor of the fraudulent, criminal seller. I presented evidence from an authorized XXXX retailer that detailed the shoes were counterfeit but Discover still decided to recharge me and deny my claim. The seller presented falsified evidence to Discover and their fraud team failed to recognize this. 

On XX/XX/19 I received the dispute package with all the merchant 's evidence. The seller submitted a fake store receipt for the purchase of the shoes he sold to me. The receipt was dated XX/XX/19. I bought the shoes from the seller on XX/XX/19. How can a seller sell an item on XX/XX/19 but show a receipt as evidence that the purchase he originally made was on XX/XX/19?! This idiotic criminal seller wasn't even bright enough to create a fake receipt that is dated correctly and you all at Discover still fell for it and penalized me.
Consumer complaint received 2019-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I jace had someone steal my identity and use it to take out loans and other credit accounts. These accounts have been reported investigated and removed however the inquiries are still present on my credit report and is hurting my credit file. I need for these inquiries to be deleted. I have submitted a identity theft report prior and the company stated I needed to send a letter giving authorization to remove the fruad inquiries. I have since written the letter and listed the inquiries
Consumer complaint received 2022-10-12
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. (IL)

15 USC 1681a ( 4 ) Consumers right to privacy. My right to privacy has been violated by reporting this information to my consumer reports.

15 USC 1681b ( a ) ( 2 ) Permissible Purpose Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 a2b ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

My recent Experian credit history is now showing a new home address in Delaware. I have never ever lived in the Delaware state. I have never ever had any home there. The same recent report is also showing that I have been employed by a company. I have never been employed by the listed company. I have never ever been employed in the US by any company. We contacted the IRS, the XXXX and the XXXX and they did all confirmed that they do not report such mistaken data to any credit bureaus. As Experian do not provide the precise list of such erroneous furnishers or sources of wrong data, they leave us without any means and without any recourses to have this bad information removed.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Home Mortgage, my property reclosure dismissed by, Judge, XXXX XXXX, Probate Justice System, on XX/XX/XXXX. 
XX/XX/XXXX, I was approved for HOME AFFORDABLE MODIFICATION AGREEMENT. 
From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo NEVER notified me, by letter, or served me any documents that my property was in forclosure from XXXX to XXXX, XXXX XXXX Circuit Court Probate Records does not have foreclosure dockets, after dismissal XX/XX/XXXX, Another servicing error from Wells Fargo, I complaint, in writing, XX/XX/XXXX, I requested itemized bill for charges of {$110000.00} added to the principle I owed, itemized bill per charge was given in lump sum. 
Final reply on XX/XX/XXXX, I still disagree with their reply. XX/XX/XXXX, I received a letter from a gentleman, XXXX XXXX, enclosed with his letter, copies of letter from Wells Fargo, addressed to my property address, XXXX XXXX XXXX XXXX, XXXX Florida XXXX, mailed to him, this letter containing personal information sent to Mr. XXXX, address in Washington instead tu us. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ThunderRoad Financial, LLC (NC)

This is about a XXXX report I reviewed and seen a negative account thats on there, the account is called XXXX- Thunder Road address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, Date Opened XX/XX/2014, it states there is a XXXX balance but it also states the account got transferred/sold but doesn't give any other information, this doesn't Belong to me please delete Immediately.
Consumer complaint received 2021-02-12
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/XXXX. My daughters student loan was placed on a repayment plan. she has made payments to this loan ever since. President Biden has put a freeze on student loans at this time. 

my credit report shows it is serious delinquent. this loan is being taken care by my daughter. i believe that it should not reflect delinquent.
Consumer complaint received 2021-11-14
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. (FL)

In XX/XX/2021 I paid my final payment to XXXX credit. They emailed me a letter congratulating me on paying off my loan XX/XX/2021. On XXXX XXXX I noticed in my experian credit report it is still being reported as open and the balance had yet to be reported since XXXX of 2021. I contacted XXXX and I was informed that they updated the account was closed on XXXX of 2021. I also called experian and was told to dispute it with my payoff letter. After disputing the results I received a notice that the information was accurate and will remain the same.
Consumer complaint received 2018-09-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: DISCOVER BANK (FL)

My name is XXXX XXXX, In XXXX I refinance my home mortgage. I also did a cash out where I sent payments to several of my creditors. Ten creditors and personal loan companies. All have applied the mailed payments with the exception of two. Discover Bank and XXXX XXXX  / XXXX ( XXXX XXXX XXXX ). The XXXX XXXX XXXX XXXX I have asked that my Loan Company stop payment on the check and issue a new check and mail. However, Discover Bank Received the check payment, check # XXXX for {$5200.00}, on or before XX/XX/XXXX. According to my new mortgage company the check cleared on XX/XX/XXXX. On phone conversations with Discover Bank Loan Personal Department Manager XXXX, they admit receiving the payment. However, since XX/XX/XXXX. they have been telling me that the payment will be applied the next day. It is now XX/XX/XXXX and the payment of {$5200.00} has not been applied. With no explanation? Can you help me??
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Chapter 7 Bankruptcy XXXX XXXX # XXXX In XXXX of 2016, I filed for bankruptcy. Since then the bankruptcy has been discharged and is reporting on my credit reports. 

I sent a letter to the XXXX XXXX XXXX Illinois asking them to verify the information that was reporting to the credit bureaus, Experian, XXXX and XXXX and the XXXX XXXX XXXX XXXX responded saying that they do not work with any credit bureaus. 

I have previously disputed with Each bureau XXXX, XXXX, and XXXX an in response they reported the information as accurate, stating that the information was verified with each bureau. That has been found not to be true since the courts veriifed that they dont work with credit bureaus. 

I am requesting that this bankruptcy be removed from my credit reports since the courts stated that they do not work with any credit Bureaus.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

This fake company sent me an unsolicited email. I sent them a foul message in return and it was returned to me stating it could not be delivered. So this tells me this is an identity theft person who stole some things from other web sites to try to look legit. More needs to be done to stop this mess!
Consumer complaint received 2021-11-14
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)

hello; last year i reach out to XXXX XXXX XXXXequesting an explanation why they ding my credit ; they blame me for applying for car loan which was incorrect ; it turns out not only was my identity used and they provided another XXXX dollar credit ; but they lied about it ; now on my credit when I ask for an increase they only increased my XXXX year account by XXXX ; I don't understand how someone who isn't really me could get a account and still use my credit without my consent and lower my score ; I need help
Consumer complaint received 2021-11-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc. (NJ)

XX/XX/2021 This company is call tracing and calling everyone involved with me.

They are not even letting me get into my account and may have sold it off with out reason or notice.

Due to Covid and life events, I am having by alot of trouble making ends meet and they are no where to be found. 

People have so many XXXX and XXXX  complaints online. 

They stopped using my file number or accepting payments and I needed to make arrangements or even questions the validity of the debt.