davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (GA)

I have a XXXX  store card with comenity bank. I purchased a sofa with my store card on XXXX. I made a {$390.00} payment on the store card and then my sofa purchase was cancelled by XXXX. The {$390.00} I had already paid showed up on my following statement as a - {$390.00} balance. In the last month I have made {$410.00} in purchases from XXXX. Now on my most recent statement it shows me owing {$410.00} instead of my {$390.00} credit being on there which should make my true balance of {$15.00}. The state shows a minimum payment due of {$27.00} which is more than I should actually owe them. I have sent comenity bank 2 secure messages on their website regarding the dispute and have received no response. I have also tried calling their customer service number but the rep I spoke with did not help me at all. Im at a loss at how to get this corrected and have lost all confidence in comenity bank.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo Mortgage put me in the forbearance program without my knowledge or consent. I have been making my mortgage payments on time and as agreed. Wells Fargo has NOT been applying these payments to my mortgage and this is showing up on my credit report and affecting my ability to get a refinance. They have no right to put me in the forbearance program without my consent. If they have done this to me, how many millions of others have they done this to and where have my payments gone? there is also the question of any all late fees and additional interest that is being applied to my account. I have called Wells Fargo and filed a complaint.
Consumer complaint received 2022-03-08
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. (AL)

I have been trying since XX/XX/2021 to dispute a XXXX bank account on my credit profile. after a breif removal it was placed back again on my credit profile with a different balance. original balance when i first disputed was about $ XXXX. now its over {$13000.00}. 

i have been trying to reach XXXX bank fraud department unsuccessfully. Even with my latest dispute with XXXX I asked to have the merchant contact me at a number i provided. they have never tried yet kept allowing the card to make purchases knowing that I have disputed it almost a year ago. 

i was finally able to locate a phone number for the XXXX bank fraud dept. I called their card members and asked for that number and was given ( XXXX ). after holding for good 20 minutes i spoke with some very rude lady who was literally yelling at me and she said my claim needs to be handled by the card member services.. whene i told her i was transfered to her from their she ignored and sent me back to the que with about 30 minutes hold. 

i have never had an account with this company and they have not follow procedure when opening an account ( fraud alert on my profile ) and ignore all my disputes of the account being fraudulent and let it continue to add charges.. making my credit profile look very bad. 

i demand they remove this identity theft account pursuant to the Fair Credit Reporting Act Section 605B
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associate ( XXXX XXXX XXXX repeatedly contacting me to collect a debt I do not owe. Several months ago, I proved it was not my account and original creditor, XXXX Office, cleared my information however, XXXX XXXX, ruined my credit report and caused damage despite me proving I was not the person that owed the XXXX bill.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act 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 2022-03-08
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. (AL)

I have been trying since XX/XX/2021 to dispute a XXXXXXXX XXXX account on my credit profile. after a breif removal it was placed back again on my credit profile with a different balance. original balance when i first disputed was about $ XXXX. now its over {$13000.00}. 

i have been trying to reach XXXXXXXX XXXX fraud department unsuccessfully. Even with my latest dispute with transunion I asked to have the merchant contact me at a number i provided. they have never tried yet kept allowing the card to make purchases knowing that I have disputed it almost a year ago. 

i was finally able to locate a phone number for the XXXXXXXX XXXX fraud dept. I called their card members and asked for that number and was given ( XXXX ). after holding for good 20 minutes i spoke with some very rude lady who was literally yelling at me and she said my claim needs to be handled by the card member services.. whene i told her i was transfered to her from their she ignored and sent me back to the que with about 30 minutes hold. 

i have never had an account with this company and they have not follow procedure when opening an account ( fraud alert on my profile ) and ignore all my disputes of the account being fraudulent and let it continue to add charges.. making my credit profile look very bad. 

i demand they remove this identity theft account pursuant to the Fair Credit Reporting Act Section 605B
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX, & XXXX continue to report incorrect information on my conaumer file. There are several names and address listed that are not mine and I have NEVER lived there. Consumer agencies are required to report accurate information or it is a violation of the Fair Credit Reporting Act ( FCRA ). 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Ive been a loyal customer with Wells Fargo for 10+ years. Ive never had an issue with them until recently. I was a victim of theft and some unauthorized charges reflected on my account because of this issue. After reaching out to them and explaining my situation they submitted my claim for review. After almost a month I get sent an email stating that they denied the claim. Can you imagine being held responsible for almost {$300.00} worth of charges that were not yours? The claims department told me there was nothing more we needed from you I made myself available for follow up and was willing to provide supporting documents to help prove my position but they took it upon themselves to shove these {$300.00} down my throat and repeatedly say it was denied. Im terminating my relationship with them and will express my frustration on every possible platform. I took it upon myself to encargare my friends and family to terminate the relationship with them as well. I feel completely unappreciated. Shame on you!
Consumer complaint received 2021-10-24
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)

These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law 15 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!
Consumer complaint received 2022-06-20
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted this company at least 3 times. I have disputed this with XXXX, Equifax several times, as fraudulent. Once I called both bureaus, they keep stating is that it will remain on the credit for 2 years. Also, for the inquiry on XX/XX/XXXX, there isn't even an application per XXXX XXXX. I need these inquiries removed from my report, as they we unauthorized!
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed my XXXX XXXX XXXX  credit card I have with them, because of my credit report showing delinquency with another account that has no association with American Express . My accounts is in good standing by not being in default or delinquent so adverse does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and XXXX  since being stripped of my credit card, making it difficult pay bills and get gas for my car. American Express is responsible for all damages resulting from there actions towards me
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (LA)

I have been disputing a medical debt collection notice from " XXXX '' since XX/XX/2017. I received a notice from XXXX XXXX that they had disclosed an account from XXXX XXXX  XXXX for {$420.00} up for collection, opened on XX/XX/2017 on my XXXX report. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX using XXXX XXXX. 

I also received the exact same amount from a separate debt collector, " XXXX XXXX XXXX XXXX '' that I sent in a separate claim about for XXXX XXXX XXXXXXXX XXXX. They have closed that account. I still have not received any mail or calls referring to this matter from XXXXXXXX XXXX XXXXXXXX or the XXXX XXXXXXXX, and therefore can not be sure of its validity or that it is even my debt in the first place.
Consumer complaint received 2022-03-03
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. (FL)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX  XXXX : XXXX -- -> : {$300.00} XXXX XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$3300.00} XXXX XXXX XXXX : XXXX -- XXXX : {$68.00}
Consumer complaint received 2021-10-24
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. (PA)

These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law 15 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (KY)

I have a mortgage with US BANK. I have come to find out that the bank has deleted all of my Credit Reporting trade lines on all major cbrs. I had a tennant since 2013. They were aware it was a rental property. My Renter filed a chapter XXXX bankruptcy. not myself. The bank used her address and considered my loan bankrupt. This has been going on since 2013. I have not received credit for payments made for over 6 years.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2022 I disputed the accuracy of account XXXX XXXX DEALER SERVICES # XXXX with TRANSUNION due to inaccurate information. TRANSUNION stated they conducted an investigation and verified the account yet failed to add the " Account Disputed by Consumer '' under the " Remarks '' which is a violation of the FCRA. Please see attached document. This is grounds for the removal of this account from my consumer 's credit report. Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are not reported accurately, the consumer reporting agencies shall promptly delete the account from the consumer 's credit file.
Consumer complaint received 2022-03-03
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. (FL)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX : XXXX -- -> : {$300.00} XXXX XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$3300.00} XXXX XXXX XXXX : XXXX -- XXXX : {$68.00}
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

We have in numerous occasions contacted SPS to attempt to refinance, loss mitigation and offered a short sale which should be on recorded conversations with the company. We were told that we were not eligible for any assistance options at all. 
Then when we found a foreclosure realtor specialist she was told that we were sent a letter in XXXX that said we were eligible for a short sale.

We never received said letter and we were told verbally on a recorded line by a SPS representative, after being placed on hold, that we were not eligible for a short sale. So we felt we had exausted every opportunity we had. Now to find out it was all a lie.
Consumer complaint received 2022-03-08
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: JPMORGAN CHASE & CO. (NY)

I canceled an air ticket purchased with my credit card issued by Chase Bank on XX/XX/2022. It shows clearly that the tickets were Fully Flex which means " refund permitted free of charge '' in the email from the merchant XXXX. The merchant failed to process the refund within their promised duration, and I raised a dispute against the merchant with Chase Bank. However, Chase refused to refund the full amount of the value of the tickets citing misleading if not fabricated at all, copies of " refund policies '' submitted by the merchant without providing a fair opportunity for the consumer to provide their evidence.
Consumer complaint received 2021-12-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (FL)

Received a letter asking to pay {$320.00}. I sent them a Debt Validation LetteXXXX which they failed to Validate. Instead, they sent a Itimized billing containing my medical procedure which clearly is a violation of my HIPAA rights. This bill was already paid to the hospital.
Consumer complaint received 2020-12-16
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. (WA)

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2020-12-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

I made a payment for my XXXX payment. The bank charged me not one but four payments. I was able to cancel two of the four but unfortunately two of the payments posted to my mortgage payments. I called regarding the issue and was told I could not request a refund because they would not issue me one and had to go through my actual bank. So I did go through XXXX XXXX was able to issue me a refund for the duplicate payment. Then out of nowhere Freedom decided to issue me a refund check. I then received a letter in the mail stating I had a late charge added to my account. A late charge on a mistake the bank made. They refunded me in their own error. Then I received foreclosure notices, a delinquency was made on my account, my credit score dropped XXXX points. This bank is ridiculous, they are blaming me for a mistake that they made. I have been making on time payments every months. Ever since I purchased the home my payments were made on time every month, now one payment is late not by my own fault but because they refunded me in error and Im being threatened with foreclosure and collection agencies. This is not how you treat people, we are in the middle of a pandemic. Is this how people who cant pay are treated?? I didnt even make the mistake and Im getting attacked on all ends.
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GOLD KEY CREDIT, INC. (NJ)

I have documentation that providers at XXXX XXXX were paid for Emergency room visit Date of Service XX/XX/2017 on XX/XX/XXXX. Please review page 2. Provider has a contract with XXXX XXXX XXXX when they are in-Network provider. Because XXXX XXXX are in network, they are allow to Bill for services per contracted amount. XXXX XXXX recently notified XXXX and XXXX through Gold Key that debt has not been satisfied despite not only being reimbursed per contracted amount, but also violating provision of contract with XXXX XXXX. 

This constitutes unfair debt collection practices as debt collection practices by XXXX XXXX and Gold Key ; who are deliberately utilizing defamatory, unfair, malicious, cruel, and predatory to collect monies that theyve already received.
Consumer complaint received 2022-03-07
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. (NC)

I incurred an inaccurate 30 day late payment in my credit report XX/XX/2021. I have contacted all three credit bureaus and XXXX. After 4 months in XXXX the creditor finally contacted me via secure message to tell me that it is incorrect and they would be removing it. I disputed it with all three credit bureaus and included the secure message. The concluded the disputes and did not remove the late payment. This inaccuracy has caused me not to be able to get any loans or build my credit. My next step after this will be suing. I am at a loss and this is wreaking havoc on my ability to move forward.