davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I opened an account with famous footwear on XX/XX/XXXX. XXXX XXXX goes through Comenity Bank. 
My mistake was not expecting a bill with a due date of XX/XX/XXXX and because I dont check my mail that often I missed the due date of XX/XX/XXXX. I paid account in full on XX/XX/XXXX hoping that would bring my account to {$0.00} and no fees would be added. I signed up for electronic statements that same day. 
I never got a bill, even though they say they emailed me the statement, it simply did not come to my inbox. In XXXX, they had added a late fee of {$30.00}, but I did not pay it because I was unaware. In XXXX, they added another late fee of {$30.00}, which now brings me to a balance of {$63.00}. 
I only found out about it because I got a call letting me know my account was past due, but the call confused me because they told me it was famously you so at first, I didnt even think XXXX XXXX, I thought it was a scam. I asked the caller if the store had a different name and she told me no. So that left me convinced it was a spam. Until I got another call with a message, they were trying to get a hold of me on my account and I called back, and it was XXXX XXXX. Their practices are not very clear. The email to change my password comes from XXXX, so maybe thats why I missed the email about confirming my email? Im so confused by this company. 
They asked me to start a dispute on the website, but I dont know how to do that or where to start and when I called again the employee didnt know how to help me. 
How can they get away with adding fees to an account that is {$0.00} balance, is that ok?
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName XXXX XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. DOB - XXXX XXXX. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
7. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
9. XXXX XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a personal and business account at Bank of America. If I change my passwordk on my business account my personal account password does not work. If I attempt to use my ATM, Account Number, Social Security Number on either account I can not reset my password. If I can not log in with my password then I am not verified and therefore can not access my accounts online.
Consumer complaint received 2022-04-14
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. (PA)

in accordance with the Fair Credit Reporting act XXXX  ACCT # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IL)

A Huntington bank representative called me on XXXX of XX/XX/2022 from phone # XXXX and promised that {$150.00} would arrive my account XXXX by XX/XX/2022. However, it did not arrive by today XX/XX/2022. I called the phone # but reached no one. I left message twice but no one called back by this writing. I request Huntington bank to keep its promise. The bank said phone conversation would be recorded. I recorded it too, hence available for checking.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (NJ)

Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information IMMEDIATELY!
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX This account is being reported on my credit profile years past the legal statute. 
The date of last activity shown is XX/XX/XXXX. 
The last reported update of this account is XX/XX/XXXX. Both of these dates should have signaled to the Creditor as well as the Credit Bureaus that this item be removed according to the FCRA as well as the FDCPA.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted documentation showing that the documentation from XXXX could not verify XXXX and update and correct my credit report and they did not. 

The certified mail was sent on XX/XX/XXXX and received on XX/XX/XXXX to date correction has not been made by Transunion and XXXX
Consumer complaint received 2022-04-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I HAVE FILED A DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECIEVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Received HELOC from SunTrust around XX/XX/2020. Sun Trust transitioned to Truist and my payments were not being recorded thereby decreasing my credit score by XXXX points. I have spoken to multiple Truist representatives and they are unable to assist despite the fact that they see the payments. Truist also changed part of the loan to a variable interest to increase their profit margins.
Consumer complaint received 2022-04-14
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. (MI)

In accordance with the Fair Credit Reporting Act, 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 2022-04-14
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. (MI)

In accordance with the Fair Credit Reporting Act, 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 2023-06-26
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. (FL)

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$5300.00}, XXXX XXXX  XXXX Balance : {$10000.00}
Consumer complaint received 2022-04-14
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. (CA)

Hello, thank for taking the time to read this. I have contacted trans union to remove the inquiries off of my account that I did not authorize, the representative said that they could not do that when I know that they can and that it is only right that they do seeing that I did not authorize these transactions. There are eight inquiries that need to be deleted youll see listed below. 

XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (LA)

These inquiries were obtained without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-12-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BTH Management (CA)

Debt formerly held by XXXX, sold to XXXX XXXX, then resold to XXXX XXXX for a former debt holder XXXX? 

A debt has been removed from my report, has now been resold and re-posted. A violation on of the Dobb Frank act if I am not mistaken.
Consumer complaint received 2022-02-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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: Avant Holding Company, Inc. (MA)

On XXXX my card was used twice. {$24.00} & {$72.00}. Both at XXXX On XX/XX/XXXX my card was then used twice again. {$290.00} & {$310.00} both at XXXX XXXX. 
On XX/XX/XXXX my card was used 7 times. {$13.00}, {$50.00}, {$42.00}, {$24.00}, {$31.00}, {$39.00}, {$120.00}. 
On XX/XX/XXXX my card was used 2 more times. {$36.00} ; & {$9.00} To note here I have never charged more then 2 charges in one month. I have never went over 10 % of my balance. Here the repeated charges pushed my balance to XXXX dollars over the limit. This has been reported to the credit bureau. 
On XX/XX/XXXX I called Avant a webbank affiliate to declare my card lost stolen. And to report the charges in Dispute by me. These charges were not made by me or anybody I know or even with any knowledge these charges or this was going on.. A third party vendor hired by avant made a case and I was told to wait 5 businesses days and someone would contact me. No one ever did. On XX/XX/XXXX I called in to avant to ask why no one has called. I was then told the issue was re-escalated and I had to wait 10 business days for contact. I received an email stating if applicable preliminary credits would be applied and I would only be contacted if need be. I waited those 10 business days. Once again I called after the date, and asked what was going on and why credits have not been applied. No one can ever answer anything. The call center has limited knowledge and can not transfer a call to fraud even if they wanted to. So I. Allied everyday sence then. No one could tell me who was handling my case, why no credit was applied. No answer to nothing. Then on XX/XX/XXXX late in the day I seen preliminary credits. On XX/XX/XXXX those credits were taking back. I called to ask why. I was told I was found responsible for the charges. How? Why? What happened to only reaching out if more info was needed by avant from me. Avant wouldnt even know if I had a police report. They never asked. The never asked if I called vendors and got any photo or camera footage. Avant has left me completely in the dark. Avant has also lied to a XXXX  complaint answer. When I activated my card its clearly says zero percent liability. By federal law, I am only entitled to pay 50 dollars. Because the card was used In Person not online. Avant refuses to discuss this personally with me. Because they know they are doing a wrong. On top of this I am trying to rewrite my equity line on my home in which I have XXXX children. I now have to wait until I can clear this up to do that. To note in the three months before this fraud happened I used this card once.
Consumer complaint received 2023-04-07
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. (IN)

ive tried correcting my address with experian several times over the last few months. according to CFPB the only address allowed on my credit report is the one where mail can be delivered by the USPS. all former addresses i can not receive mail there
Consumer complaint received 2022-02-25
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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. (OH)

I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName : XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  4. DOB - XXXX XXXX. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXX XXXX : XXXX****Please remove this inaccurate information from my credit report. 
7. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXX XXXX : XXXX****Please remove this inaccurate information from my credit report. 
9. XXXX XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number XXXX XXXX****Please remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX
Consumer complaint received 2024-04-23
Product: Credit 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: Upgrade, Inc. (CA)

The communal mailbox at the XXXX XXXX I live in was broken into on XX/XX/year>. Unbeknownst to me Upgrade and XXXX XXXX XXXXXXXX had sent out new cards since my previous cards were going to expire. I have not used my Upgrade Card in years and don't even carry it with me and same goes for the XXXX XXXX XXXXXXXX XXXX and I rarely check my mail box so when I received calls from Upgrade and XXXX XXXX XXXXXXXX on XX/XX/year> regarding suspicious charges I immediately called both and advised that they were unauthorized fraud charges and to stop the cards and dispute the charges. XXXX XXXX XXXXXXXX immediately resolved the XXXX fraud charges and reimbursed my account. However XXXX has to say the least been very difficult to work with and are denying my claim to get reimbursed for the XXXX XXXX XXXX charges ( however they noted that the target charge was unauthorized and did not charge my card ). One charge in the amount of {$780.00} and another one in the amount of {$590.00} which the charges were made in XXXX, CA about XXXX miles from me and made during my work hours. I also filed a police report which the last Representative at Upgrade accused me of making a fraudulent report. Not only has this cost me hours of time, loss of sleep and undue stress.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CT)

President - i now opened a citibank checking XXXX and savings XXXX accounts. i needed to change my phone number from XXXX to XXXX i called they did that. i needed to get a text from XXXX to add them to my XXXX  checking XXXX i needed to receive a text. XXXX still had the old number. i called they said it takes 14 days to update. that needs to be fixed. my checking had three transfers {$2500.00} from XXXX XXXX that has been deposited and is available plus {$300.00} from XXXX. td bank is transferring {$2500.00} and {$1400.00} to my checking. it was started on the XXXX. i called yesterday. it was pending for three days. they said yesterday that it was scheduled to go in today. it didnt. {$35000.00} was transferred to citibank savings from XXXX XXXX that was pending for three days. a few minutes ago i went to that account and red account blocked is across savings only. so i need answers. i tried calling my they speak to low and i hung up twice to find out why this is. so im writing you and walking away from calling them since i never got a call or email professionally telling me this which should have happened and didnt. get back to me with there response in 15 days. ill wait but remember you, and the other fbi agents were declared the winners today by me. you defeated the us governments attempted candidates strategy of trying to end that governments problems. but i now realize that no ones causing me a problem except the person who im mad at the most with who wont leave my body ( remember?? ) and i dont know how to get him out. thank you, winners. do that now. signed president of the usa XXXX XXXX XXXX, XXXX XXXX est.